Security Name: 10.25% Vedika Credit Capital Limited 31 Jul 2028
ISIN: INE04HY07294
Taxable
Tax Category
30 Jul, 2028
Maturity Date
(2 Yr 5 Mo 2 D to mature)
Quarterly
Interest Payment Frequency
Yes
NRI Eligibility
31 Jul, 2025
Allotment Date
NA
Put Date
30 Apr, 2026
Next Interest Payment Date
15 days
Shut Period
Both
Active on NSDL/CDSL
Non-Guaranteed
Type of Guarantee
No
Perpetual
Private Placement
Mode of Issue
Listed
Listing Details
Non Public Sector Undertaking
Type of Issuer
₹NaN
Dirty Price
10.25%
Coupon
Fixed Interest
Coupon Basis
10.6771%
Current Yield
15 Apr, 2026
Record Date
YOUR EARNING
Your Investment
Final Payout
₹0
Error Generating Cashflow 😥. We are looking into this.
*All Interest Payments will be subject to TDS (Not Applicable on Government Securities and Tax Free Bonds)
YOUR RISK
Risk gauge from Low to High Safety. Needle points between Medium and High Safety. Credit rating is A / Stable (ACUITE).
| Rating agency | Rating | Needle position |
|---|---|---|
| ACUITE | A / Stable | between Medium and High Safety |
Repayment Priority
Higher the level, higher the priority of investment repayment on default
Security with Collateral?
An investment secured with collateral helps
LIQUIDITY INDICATOR #
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Transaction Count
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Volume Traded
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(since 3 months)
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Volume Traded
(since 3 months) (in Lakhs)
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ISSUER
Vedika Credit Capital Ltd is a Non-Deposit taking, Non-Banking Finance Company (NBFC-MFI). The Company was originally registered as a Private Limited Company but was later converted into a Public Limited Company in November, 1995. It was recognized and re-registered to carry out the business as NBFC-MFI with approval from Reserve Bank of India in 2015 although since 2007 the company is into Microfinance products like Joint Liability Groups loans and Individual Loans and provide assistance to women borrowers as per RBI regulations. The company is operating across 7 states (Jharkhand, Bihar, West Bengal, Uttar Pradesh, Assam, Odisha & Tripura)
The ratio in FY25 is 5.87x and it was 6.18x in FY24, indicating decrease in the debt level due to strong asset quality with a high collection efficiency of 99% despite challenges in the sector.
Debt/EBITDA
The ratio in FY25 is 1.33x and it was 1.32x in FY24, indicating almost no difference in the debt servicing ability of the issuer in FY25.
Interest coverage ratio
Recent News
Jan 21, 2024 | Vedika Credit Capital Limited
Nov 04, 2024 | Vedika Credit Capital Limited
Jul 01, 2025 | Vedika Credit Capital Limited
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STEPS TO BUY THIS BOND
Information required for KYC
PAN Card
Bank Account Proof
Aadhaar Card
Demat Account Proof
How to exit the investment?
To know more about the Bond and the issuer, download the Information Memorandum.
To read about the reasons for the ratings assigned to the Bond, download the Rating Rationale.
Principal Amount
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BOND VALUE DETAILS
Face Value
Market Value
Stamp Duty
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Total Investment
| Cashflow for INE04HY07294 |
|---|
| Disclaimer: The actual dates and interest amounts can vary depending on Bank closures, holidays etc. Tax Deducted at Source (TDS) is applicable on interest receivable based on relevant tax regulations. You can avail TDS credit while filing your Income Tax Return (ITR). |
|---|
| Security Name |
|---|
| 10.25% Vedika Credit Capital Limited 31 Jul 2028 |
| Credit Rating |
|---|
| A / Stable by ACUITE |
| Coupon Frequency |
|---|
| Quarterly |
| Face Value |
|---|
| ₹1,00,000 |
| Coupon |
|---|
| 10.250000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 30/07/2028 |
| Security |
|---|
| Senior Secured |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Feb 26,2026 |
| Principal Amount |
|---|
| ₹96,000 |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹0 |
| Total Amount Payable |
|---|
| ₹96,000 |
| Price |
|---|
| ₹96 |
| Yield |
|---|
| 0% |
| Year | Payment Date | Amount | Amount after TDS | Payout Type |
|---|
Disclaimer: Investments in Debt Securities/ Municipal Debt Securities/ Securitised Debt Instruments are subject to risks including delay and/ or default in payment. Read all the Offer Related documents carefully.
Source: Issuer website, Rating Rationale, Issuer Annual Report, Information Memorandum and News from Google.
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