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.
Exit load of 0.25% (on YTM) applies for sell orders
AAARating
The rating agency for this Bond is CARE.
What is rating?
Rating reflects its creditworthiness and past performance. It may change based on the company’s financial health and ability to repay.
Categories
Lowest risk
AAA
Low risk
AA+, AA, AA-
Moderate risk
A+, A, A-
High risk
BBB+, BBB, BBB-
Highest risk
BB+, BB, BB-, B, B-, C, D
YTM
8.60%
Price/unit₹98,045.60
Tenure47 months
Interest payoutAnnual
Principal payoutBullet
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.
Calculate your returns
You invest₹00 qty
You get₹0
Interest +₹0
+ ₹25K
+ ₹50K
+ ₹1L
+ ₹2L
Payout Schedule
Maturing on 31 Oct '30 • Annual payout
Upcoming payouts
No upcoming payouts
About
Poonawalla Fincorp Limited (PFL), formerly known as Magma Fincorp Limited, is a non-deposit-taking systemically important NBFC that commenced operations in 1989. The company was rebranded in 2021 following the acquisition of a controlling stake by Rising Sun Holdings Private Limited (RSHPL), an investment holding company owned and controlled by Mr. Adar Poonawalla, which currently holds a 62.46% stake in PFL. PFL offers a diversified suite of retail and MSME financial products—including personal loans, business loans, preowned car finance, and loans against property—and operates a 'phygital' model that combines AI-focused digital technology with a ground-level network of 102 branches. Led by MD and CEO Mr. Arvind Kapil, the company targets urban and semi-urban markets with an ambitious plan to grow its Assets Under Management (AUM) by 5x-6x from FY24 levels over the next five years.;
Pros and Cons
Pros
Cons
Exceptional Credit Ratings: Crisil Ratings assigned a 'Crisil AAA/Stable' rating to the company's Rs. 750 crore subordinated debt and Rs. 8,000 crore Non-Convertible Debentures, while reaffirming existing 'Crisil AAA' and 'Crisil AA+' ratings across its bank facilities and debt instruments.
Strong Promoter Support & Capitalization: The company benefits from the financial backing of the Cyrus Poonawalla group, evidenced by a massive equity infusion of ₹1,499.98 crore in September 2025, which further fortified its tangible net worth to ₹7,983 crore (as of June 30, 2025).
Diversified and Cost-Effective Funding: PFL has successfully diversified its borrowing profile away from high-cost public sector bank loans, accessing capital markets and securing a weighted average cost of borrowings of just 7.83% on ~Rs. 52,004 crore of gross funds raised in FY25.
Robust Liquidity Position: The company maintains a superior liquidity profile, boasting positive cumulative ALM gaps and a total liquidity buffer of ₹4,465 crore (including ₹963 crore in cash and cash equivalents and undrawn bank lines) as of June 30, 2025.
Strong AUM Growth: The company recorded a ~43% growth in its AUM in fiscal 2025, reaching Rs. 35,631 crore by March 31, 2025, and further expanding its standalone AUM to ₹41,273 crore by June 30, 2025.
Other details
Clean price₹97,699.30
Dirty price₹98,045.60
Current yield8.60%
Security cover--
Issue size10000.00Cr
Original bond tenure59 months
TrusteeCatalyst Trusteeship Limited,.
Mode of issueNCD
Listed onNSE
Listing date25 Nov 2025
Coupon rate7.90%
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.
