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The rating agency for this Bond is ICRA.
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Iifl Finance Limited Apr '27
₹1,043.54YTM
8.10%Tenure left
7 monthsInterest payout
YearlyPrincipal payout
BulletBond details
Minimum investment₹1,043.54
Date of maturity21 Apr 2027
ISININE530B07534
Bond typeSenior Secured
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About
IIFL Finance Limited is a systemically important non-deposit-taking NBFC and the listed holding company of the IIFL Finance group. The company operates both directly and through its major lending subsidiaries, IIFL Home Finance Ltd and IIFL Samasta Finance Ltd. The group offers a diverse range of retail lending products, primarily gold loans (44% of AUM), affordable home loans (32%), loan against property (9%), microfinance (9%), and unsecured personal/business loans (4%), managing a consolidated Assets Under Management (AUM) base of Rs 98,336 crore as of December 31, 2025. Supported by an extensive physical footprint of 4,761 branches across India, the group caters predominantly to retail clients.;
Pros and Cons
Pros
Cons
The group maintains a comfortable capitalization profile supported by demonstrated equity raising capabilities from marquee global investors and a Rs 1,272 crore rights issue, resulting in a consolidated net worth of Rs 15,152 crore.
The company benefits from an established operational track record and a nationwide physical presence of 4,761 branches, facilitating extensive market reach and cross-selling capabilities.
The core gold loan portfolio has successfully rescaled following the lifting of the business embargo in September 2024, expanding gold loan AUM to Rs 43,432 crore as of December 31, 2025.
The loan portfolio is highly granular, with 98% of consolidated AUM deployed in retail asset classes with ticket sizes under Rs 1 crore, while scaling down non-core developer and capital market exposures to 2%.
The group holds a strong liquidity buffer of Rs 6,492 crore in cash, liquid equivalents, and unutilized credit lines, providing 1.1 times cover over debt obligations due over the next two months.
Other details
Clean price₹1,005.83
Dirty price₹1,043.54
Current yield8.10%
Security cover--
Issue size102.00Cr
Original bond tenure24 months
TrusteeVardhman Trusteeship Private Limited
Mode of issueNCD
Listed onNSE
Listing date21 Apr 2025
Coupon rate9.30%
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