Security Name: 11.80% Vedika Credit Capital Limited 21 Aug 2027
ISIN: INE04HY07302
Taxable
Tax Category
21 Aug, 2027
Maturity Date
(1 Yr 11 Mo 2 D to mature)
Monthly
Interest Payment Frequency
Yes
NRI Eligibility
21 Aug, 2025
Allotment Date
NA
Put Date
21 Oct, 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
11.8%
Coupon
Fixed Interest
Coupon Basis
11.9192%
Current Yield
06 Oct, 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
Vedika Credit Capital Limited
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
SBI signs pact with three NBFC-MFIs for co-lending to joint liability groups
Jan 21, 2024 | Vedika Credit Capital Limited
Vedika Credit Capital standalone net profit rises 91.94% in the September 2024 quarter
Nov 04, 2024 | Vedika Credit Capital Limited
Vedika Credit Capital standalone net profit declines 66.21% in the March 2025 quarter
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.
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BOND VALUE DETAILS
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Total Investment
| Cashflow for INE04HY07302 |
|---|
| 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 |
|---|
| 11.80% Vedika Credit Capital Limited 21 Aug 2027 |
| Credit Rating |
|---|
| A- Stable by IVR |
| Coupon Frequency |
|---|
| Monthly |
| Face Value |
|---|
| ₹1,00,000 |
| Coupon |
|---|
| 11.800000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 21/08/2027 |
| Security |
|---|
| Senior Secured |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Sep 17,2025 |
| Principal Amount |
|---|
| ₹99,000 |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹0 |
| Total Amount Payable |
|---|
| ₹99,000 |
| Price |
|---|
| ₹99 |
| 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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