Security Name: 8.20% Credila Financial Services Limited 23 Jul 2027
ISIN: INE539K08153
Taxable
Tax Category
23 Jul, 2027
Maturity Date
(1 Yr 8 Mo 16 D to mature)
Yearly
Interest Payment Frequency
Yes
NRI Eligibility
24 Jul, 2017
Allotment Date
NA
Put Date
24 Jul, 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
8.2%
Coupon
Fixed Interest
Coupon Basis
8.2338%
Current Yield
09 Jul, 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
Repayment Priority
Higher the level, higher the priority of investment repayment on default
Security with Collateral?
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ISSUER
Credila Financial Services Limited
Credila was incorporated on February 1, 2006, promoted by Mr Anil Bohora and Mr Ajay Bohora. The company is registered as a non-deposit taking NBFC with the Reserve Bank of India. It is in the business of originating, funding and servicing educational loans. With HDFC buying out the promoters’ stake in fiscal 2020, the company became a wholly owned subsidiary of HDFC on December 12, 2019. In March 2024, EQT and ChrysCapital acquired 72% and 18% stake in Credila with the remaining less than 10% held by HDFC Bank. Credila has eight offices, and a network of 17 branches from where it conducts its business activities. The company uses various channels for sourcing and marketing, which include the internet, branch network of HDFC Bank and a few private sector banks, partnering with colleges, education consultants, and test preparation centres, advertising, and direct marketing.
The ratio in FY25 is 8.79x and it was 9.96x in FY24, indicating decrease in the debt level due to continued improvement in asset quality and the company's strong market position in the overseas education loan segment, contributed to the overall growth.
Debt/EBITDA
The ratio in FY25 is 1.46x and it was 1.41x in FY24, indicating a slight improvement in the issuer's debt servicing ability. This is driven by a 70.32% increase in total sales to ₹4,719.73 crore, fueled by strong loan disbursement growth of 47.67%.
Interest coverage ratio
Recent News
ADIA may buy 10% of HDFC Credila from EQT Baring
Jul 26, 2024 | Credila Financial Services Limited
HDFC Credila Financial Services standalone net profit rises 65.72% in the September 2024 quarter
Nov 26, 2024 | Credila Financial Services Limited
Education loan provider Credila in talks to raise $600m via ECB
Aug 27, 2025 | Credila Financial Services Limited
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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 INE539K08153 |
|---|
| 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 |
|---|
| 8.20% Credila Financial Services Limited 23 Jul 2027 |
| Credit Rating |
|---|
| AA Stable by ICRA AA + /Stable by CRISIL |
| Coupon Frequency |
|---|
| Yearly |
| Face Value |
|---|
| ₹10,00,000 |
| Coupon |
|---|
| 8.200000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 23/07/2027 |
| Security |
|---|
| Senior Unsecured |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Nov 06,2025 |
| Principal Amount |
|---|
| ₹9,95,894 |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹1 |
| Total Amount Payable |
|---|
| ₹9,95,895 |
| Price |
|---|
| ₹99.5894 |
| 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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