Security Name: 9.50% SMFG India Credit Company Limited 13 Oct 2025
ISIN: INE535H08637
Taxable
Tax Category
13 Oct, 2025
Maturity Date
(-3 Mo -26 D to mature)
Yearly
Interest Payment Frequency
Yes
NRI Eligibility
13 Oct, 2015
Allotment Date
NA
Put Date
13 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
Quote Not Available
Dirty Price
9.5%
Coupon
Fixed Interest
Coupon Basis
Quote Not Available
Current Yield
28 Sep, 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
Risk gauge from Low to High Safety. Needle points near High Safety. Credit rating is AAA Stable (ICRA).
| Rating agency | Rating | Needle position |
|---|---|---|
| ICRA | AAA Stable | near High Safety |
| CARE | AAA Stable | near High Safety |
Repayment Priority
Higher the level, higher the priority of investment repayment on default
Security with Collateral?
An investment secured with collateral helps
LIQUIDITY INDICATOR #
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Transaction Count
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Volume Traded
as on -- (in Lakhs)
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Transaction Count
(since 3 months)
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Volume Traded
(since 3 months) (in Lakhs)
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# Updates every 15 minutes during market hours
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ISSUER
Established in 2005 via Asia Financial Holding's acquisition of Dove Finance, the firm evolved into Fullerton India Credit before becoming a wholly owned SMFG subsidiary in March 2024. As of September 2025, it operates 989 branches providing secured (mortgages, LAP, commercial vehicles) and unsecured (personal, rural group) lending solutions.
The ratio in FY25 is 10.25x and it was 8.75x in FY24, indicating increase in the debt level of the issuer due to increase in the borrowings of the issuer in FY25.
Debt/EBITDA
The ratio in FY25 is 1.15x and it was 1.33x in FY24, indicating decrease in the debt servicing ability of the issuer due to 51% unsecured loans (March 2025), the company’s asset quality is vulnerable, affecting profitability.
Interest coverage ratio
Recent News
Mar 26, 2024 | SMFG India Credit Company Limited
Jun 07, 2024 | SMFG India Credit Company Limited
Aug 01, 2025 | SMFG India Credit Company 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.
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.
