Security Name: 11.25% Indel Money Limited 23 Apr 2027
ISIN: INE0BUS07BW7
Taxable
Tax Category
23 Apr, 2027
Maturity Date
(1 Yr 5 Mo 20 D to mature)
Monthly
Interest Payment Frequency
Yes
NRI Eligibility
23 Jul, 2025
Allotment Date
NA
Put Date
23 Nov, 2025
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
11.25%
Coupon
Fixed Interest
Coupon Basis
11.0855%
Current Yield
08 Nov, 2025
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
Repayment Priority
Higher the level, higher the priority of investment repayment on default
Security with Collateral?
An investment secured with collateral helps
ISSUER
Indel Money Limited
Indel Money, a non-deposit-taking NBFC, was incorporated in 1986 as Payal Holdings Pvt Ltd. It was acquired by the current promoters in July 2012 and got its current name in January 2013. Indel Money primarily extends loans against gold jewellery. It also operates in the traders’ loans, business loans, loans against property, vehicle loans, and money transfer segments. Indel Corporation Private Ltd, the holding company, is promoted by Mr Mohanan Gopalakrishnan and Mr Umesh Mohanan. It operates in the hospitality, and media and communication segments through various companies.
The ratio in FY25 is 5.73x and it was 4x in FY24, indicating increase in the debt level due to increase in the borrowings in FY25.
Debt/EBITDA
The ratio in FY25 is 1.42x and it was 1.48x in FY24, indicating slight decrease in the debt servicing ability of the issuer due to increase in interest expenses which led to overall increase in finance cost in FY25.
Interest coverage ratio
Recent News
Indel Money may onboard new co-lending partners by Sept-end
May 22, 2024 | Indel Money Limited
Indel Money to offer NCD yielding 12.25% for 6 years; subscription open till January 30
Jan 25, 2024 | Indel Money Limited
Indel Money aims to double AUM to ₹4,000 cr by FY26 on gold loan demand
Sep 01, 2025 | Indel Money Limited
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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.
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BOND VALUE DETAILS
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Total Investment
| Cashflow for INE0BUS07BW7 |
|---|
| 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 |
|---|
| 11.25% Indel Money Limited 23 Apr 2027 |
| Credit Rating |
|---|
| BBB+ Stable by CRISIL |
| Coupon Frequency |
|---|
| Monthly |
| Face Value |
|---|
| ₹1,00,000 |
| Coupon |
|---|
| 11.250000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 23/04/2027 |
| Security |
|---|
| Senior Secured |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Nov 03,2025 |
| Principal Amount |
|---|
| ₹1,01,484.1 |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹0 |
| Total Amount Payable |
|---|
| ₹1,01,484.1 |
| Price |
|---|
| ₹101.4841 |
| 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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