Security Name: 11.90% Vedika Credit Capital Limited 25 Jun 2026

ISIN: INE04HY07120

Taxable

Tax Category

25 Jun, 2026

Maturity Date
(9 Mo 16 D to mature)

Monthly

Interest Payment Frequency

Yes

NRI Eligibility

25 Jun, 2024

Allotment Date

Put Date

25 Aug, 2025

Next Interest Payment Date

15 days

Shut Period

Both

Active on NSDL/CDSL

Non-Guaranteed

Type of Guarantee

Perpetual

Private Placement

Mode of Issue

Listed

Listing Details

Non Public Sector Undertaking

Type of Issuer

Quote Not Available

Dirty Price

11.9%

Coupon

Fixed Interest

Coupon Basis

Quote Not Available

Current Yield

10 Aug, 2025

Record Date

YOUR EARNING

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Final Payout

₹0

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*All Interest Payments will be subject to TDS (Not Applicable on Government Securities and Tax Free Bonds)

YOUR RISK

Repayment Priority

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Security with Collateral?

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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

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

Clean Price

Yield (YTM)

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Number of bonds

BOND VALUE DETAILS

Face Value

Market Value

Stamp Duty

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as on Invalid date

as on Sep 10, 2025

Total Investment

Cashflow for INE04HY07120

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
11.90% Vedika Credit Capital Limited 25 Jun 2026

Credit Rating
A- Stable by IVR

Coupon Frequency
Monthly

Face Value
₹1,00,000

Coupon
11.900000%

YTM or YTC
YTM

Maturity Date
25/06/2026

Security
Senior Secured

No. of Bonds
1

Settlement Date

Principal Amount
₹NaN

Accrued Interest
₹0

Stamp Duty
₹0

Total Amount Payable
₹NaN

Price
₹NaN

Yield
%

Year	Payment Date	Amount	Amount after TDS	Payout Type

Quote Not Available for purchase

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.