Security Name: 12.40% Chaitanya India Fin Credit Private Limited 21 May 2028
ISIN: INE140R08072
Taxable
Tax Category
21 May, 2028
Maturity Date
(2 Yr 7 Mo 14 D to mature)
Monthly
Interest Payment Frequency
Yes
NRI Eligibility
21 Feb, 2023
Allotment Date
NA
Put Date
31 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
12.4%
Coupon
Fixed Interest
Coupon Basis
11.3757%
Current Yield
16 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
Chaitanya India Fin Credit Private Limited
CIFCPL is a microfinance institution (MFI), which started operations from October 2009. CIFCPL lends to women, primarily in rural areas, under the Grameen Bank Group Lending model. It offers microfinance loans under the JLG model as well as individual loans. As on December 31, 2021, CIFCPL was operating out of 10 states across 117 districts and 411 branches with 6.8 lakh active borrowers.
The ratio in FY24 is 5.28x and it was 7x in FY23, indicating decrease in debt levels, due to significant increase in profitability of the issuer.
Debt/EBITDA
The ratio in FY24 is 1.95x and it was 1.73x in FY23, indicating increase in issuers debt servicing ability, due to the asset quality having seen improvement in FY24 with gross non-performing asset (GNPA) at 1.9% as against 3.3% in FY23.
Interest coverage ratio
Recent News
Svatantra Microfin completes acquisition of Chaitanya India Fin Credit
Apr 04, 2024 | Chaitanya India Fin Credit Private Limited
PE firms Advent, Multiples to invest Rs 1,930 cr in Svatantra Microfin
Apr 04, 2024 | Chaitanya India Fin Credit Private Limited
Chaitanya India Fin Credit Pvt standalone net profit declines 11.86% in the September 2024 quarter
Nov 05, 2024 | Chaitanya India Fin Credit Private 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 INE140R08072 |
|---|
| 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 |
|---|
| 12.40% Chaitanya India Fin Credit Private Limited 21 May 2028 |
| Credit Rating |
|---|
| AA- / Stable by IND |
| Coupon Frequency |
|---|
| Monthly |
| Face Value |
|---|
| ₹1,00,000 |
| Coupon |
|---|
| 12.400000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 21/05/2028 |
| Security |
|---|
| Unsecured Subordinated Tier 2 |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Oct 07,2025 |
| Principal Amount |
|---|
| ₹1,09,003.9 |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹0 |
| Total Amount Payable |
|---|
| ₹1,09,003.9 |
| Price |
|---|
| ₹109.0039 |
| 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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