You can sell this Bond anytimeThis Bond can be sold directly, anytime before maturity, at the current price. The amount will be credited in 2 days, in your demat linked bank account.
YTM
9.90%
Tenure left
22 months
Interest payout
Monthly
Principal payout
Bullet
Yield to Maturity (YTM)YTM defines the annual return a bond offers if held to maturity. It assumes all payouts received get reinvested at the same rate until maturity.
YTM is XIRR of bonds.
Principal is returned in bullet instalments
The Principal is returned in bullet instalments for this Bond, so you receive a portion of your invested amount back regularly.
As principal is returned, interest is earned on the outstanding principal.
Bond details
Minimum investment₹995.83
Date of maturity19 Aug 2028
ISININE420C07205
Bond typeSenior Secured
Rating
AA
What does rating mean?
Rating
The rating of an issuer company reflects its past growth and performance. The rating increases when the company consistently performs well and decreases when it is not performing well.
Categories
Low risk:
AAA, AA+, AA, AA-, A+, A, A-
Moderate risk
BBB+, BBB, BBB-, BB+, BB
High risk
BB-, B+, B, B-, C, D
The rating agency for this Bond is BRICKWORK RATINGS INDIA PRIVATE LIMITED.
Calculate your returns
You invest₹00 unit
You get₹0
Interest +₹0
Payout Schedule
Maturing on 19 Aug '28 • Monthly payout
About
Paisalo Digital Limited, established in 1992 as S. E. Investments Limited, is a Systemically Important Non-Deposit Accepting NBFC (NBFC-SI-ND) focused on debt financing for self-employed, underpenetrated, and underserved segments, specifically micro, small, and medium enterprises (MSMEs) and small businesses. The company operates a high-touch, hi-tech model blending traditional field force reach with AI-led digital underwriting and collection workflows. Headquartered with a robust physical and semi-digital distribution infrastructure across 22 states, the company maintains 402 branches, 3,041 distribution points, and 1,429 business correspondent (BC) locations. As of December 31, 2025, Paisalo Digital Limited manages a consolidated Asset Under Management (AUM) portfolio of Rs. 5,508 crore and employs approximately 3,147 personnel.;
Pros and Cons
Pros
Cons
Brickwork Ratings assigned a long-term rating of BWR AA/Stable for bank loan facilities of Rs. 4,500.00 crore, reaffirmed BWR AA/Stable for proposed NCDs of Rs. 1,500.00 crore, and reaffirmed BWR A1+ for Commercial Paper of Rs. 540.00 crore.
The company demonstrates a comfortable capitalization profile, with tangible net worth improving to Rs. 1,706 crore and maintaining a high Total CRAR of 38.30% alongside a moderate overall leverage of 2.23x as of December 31, 2025.
Operations are supported by a scalable, zero-capex distribution expansion model via dealer partnerships and an established franchise network built on strong relationships with major commercial banks like the State Bank of India.
The earnings profile continues to improve steadily, evidenced by the Operating Expenses to AUM ratio declining to 2.54% and Net Interest Margins (NIM) expanding to 6.63% by the end of December 2025.
The company holds a strong liquidity position, featuring positive cumulative mismatches across all buckets up to 5 years and a Liquidity Coverage Ratio (LCR) of 6 times, well above the regulatory requirement.
Other details
Clean price₹994.33
Dirty price₹995.83
Current yield9.90%
Security cover--
Issue size481.00Cr
Original bond tenure24 months
TrusteeAxis Trustee Services Limited
Mode of issueNCD
Listed onNSE
Listing date19 Aug 2026
Coupon rate9.15%
Other details
Clean priceThe bond's original price without earned interest on it.
Dirty priceThe total price you pay - bond price plus accrued interest.
Security coverThe value of assets pledged by the issuer as backup, shown as a multiple of the outstanding loan amount.
Issue sizeThe total amount of money the company is raising through this bond issue.
Original bond tenureThe total duration of the bond from issue date to maturity date.
TrusteeAn independent entity appointed to protect bondholders' interests and monitor the issuer.
Mode of issueHow the bond is offered to investors (e.g., public issue open to all investors).
Listed onStock exchanges where the bond can be bought and sold after issuance.
Listing dateThe date from which the bond became available for trading on the stock exchange.
Maturity dateThe date when the company repays the bond's principal amount.
Coupon rateThe fixed annual interest rate paid to investors on the bond's face value.
Current yieldThe annual interest you earn divided by the bond's current market price.
