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The rating agency for this Bond is CRISIL.
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Iifl Finance Ltd. Mar '27
₹1,04,137.08YTM
8.20%Tenure left
6 monthsInterest payout
Interest On MaturityPrincipal payout
BulletBond details
Minimum investment₹1,04,137.08
Date of maturity24 Mar 2027
ISININE530B07666
Bond typeSenior
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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 (IIFL Home) and IIFL Samasta Finance Ltd (IIFL Samasta). 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 comfortable capitalization backed by a demonstrated ability to raise equity from marquee investors (including Fairfax, CDC Group, and ADIA) and a Rs 1,272 crore rights issue in May 2024, resulting in a consolidated net worth of Rs 15,152 crore and an adjusted gearing of 5.5 times as of December 31, 2025.
The company benefits from an established track record and an extensive network of 4,761 branches as of December 31, 2025, enabling wide market reach and cross-selling capabilities across group entities.
The core gold loan portfolio has successfully rescaled following the lifting of the business embargo in September 2024, with gold loan AUM expanding to Rs 43,432 crore by December 31, 2025.
The portfolio is highly granular, with 98% of consolidated AUM deployed in retail asset classes with ticket sizes under Rs 1 crore, while non-core developer finance and capital market lending have been scaled down to 2%.
The group holds a strong liquidity position of Rs 6,492 crore in cash, liquid equivalents, and unutilized credit lines as of December 31, 2025, providing a 1.1 times cover over debt obligations due over the next two months.
Other details
Clean price₹1,00,131.60
Dirty price₹1,04,137.08
Current yield8.20%
Security cover--
Issue size121.58Cr
Original bond tenure12 months
TrusteeCatalyst Trusteeship Ltd..,
Mode of issueNCD
Listed onNSE
Listing date10 Mar 2026
Coupon rate8.60%
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