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The rating agency for this Bond is CARE Ratings.
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Krazybee Services Limited Aug '28
YTM
10.00%Tenure left
22 monthsInterest payout
MonthlyPrincipal payout
StructuredBond details
Minimum investment₹1,00,591.47
Date of maturity25 Aug 2028
ISININE07HK07882
Bond typeSenior Secured
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About
KrazyBee Services Limited (KrazyBee) is a non-banking financial company (NBFC) incorporated on March 16, 2016, which received its NBFC license from the Reserve Bank of India in May 2017. It commenced operations in June 2017 with a focus on student personal loans before diversifying in April 2018 to offer unsecured personal loans to young professionals under the brand name 'KreditBee'. The company operates a technology-driven digital lending platform utilizing advanced analytics and digital onboarding, managing an AUM of ₹14,783 crore as of March 31, 2026, which primarily consists of unsecured personal loans alongside co-lending partnerships, business loans, loans against property, and two-wheeler loans.;
Pros and Cons
Pros
Cons
Scalable technology-driven digital lending platform supported by advanced analytics, enabling rapid customer acquisition, efficient portfolio management, and a strong presence in the unsecured retail lending segment.
Comfortable capitalisation profile and strong capital buffers supported by ₹2,029 crore Series E equity infusion from marquee institutional investors, bringing tangible net worth to ~₹6,000 crore and lowering leverage below 3x.
Healthy profitability with consolidated Profit After Tax (PAT) growing by ~39% y-o-y to ₹657 crore in FY26 and Return on Managed Assets (ROMA) sustaining at 4.8%, supported by operating leverage and reduced credit costs.
Improving and diversifying resource profile with a growing share of bank borrowings (increasing to 33.8% of total borrowings in FY26), an expanded lender base, and a declining incremental cost of funds.
Strong liquidity profile backed by short-tenor loans (<2 years), positive asset-liability maturity mismatches across all 1-year time buckets, and significant cash reserves/investments.
Other details
Clean price₹1,00,510.10
Dirty price₹1,00,591.50
Current yield9.85%
Security cover110%
Issue sizeNA
Original bond tenure24 months
TrusteeSBICAP Trustee Company Limited
Mode of issueNCD
Listed onNSE
Listing date25 Aug 2026
Coupon rate9.90%
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