Credila Financial Services 7.23% Aug 2031 NCD (INE539K07189)

CARE AAA Secured NCD

Credila Financial Services Limited

Secured, Rated, Taxable, Redeemable NCD

Browse: AAA rated bonds · bonds maturing in 2031

33 more bonds from Credila Financial Services Limited →

Current YTM

8.62%

Market YTM

Coupon Rate

7.23%

Per annum

Maturity Date

01 Aug 2031

4.7 Yrs to Maturity

Interest Payment

Annual

Frequency

Face Value

₹10,00,000

Per Bond

Market Position

YTM (Annual)

8.62%

Last traded 23 Oct 2026 (end of day)

10Y G-Sec Benchmark

7.19%

Reference point, not this bond's tenor

Spread over G-Sec

+145 bps

vs 4.7Y G-Sec at 7.17%

Below the median spread for similar-tenor peers

Tenure

4.7 Years

Remaining to maturity

Price vs Yield

— Price (Clean) — Yield (YTM)

6 Aug 202623 Oct 2026

Showing last 10 trades.

Price data as a table: Recent Market Prices

Cashflow Timeline

2 Aug 2027

Interest Payment

₹72,300.00 / Bond

₹65,070.00 net of 10% TDS (est.)

2 Aug 2028

Interest Payment

₹72,300.00 / Bond

₹65,070.00 net of 10% TDS (est.)

2 Aug 2029

Interest Payment

₹72,300.00 / Bond

₹65,070.00 net of 10% TDS (est.)

2 Aug 2030

Interest Payment

₹72,300.00 / Bond

₹65,070.00 net of 10% TDS (est.)

1 Aug 2031

Final coupon (part period) + principal

₹10,72,101.92 / Bond

₹72,101.92 coupon + ₹10,00,000 face value

5 coupons remaining, the last paid with principal at maturity · per ₹10,00,000 face value · projected dates

Net amounts are estimates: 10% TDS applies to a resident with PAN once interest from one issuer reaches ₹10,000 in a financial year. Below that, or with Form 15G/15H, no TDS is deducted. Not tax advice.

Bond Timeline

— Issue / Maturity | Coupon (projected) ┊ Today

Key Metrics

Coupon Rate

7.23%

YTM (Annual)

8.62%

Credit Rating

AAA

(CARE) · rated 31 Aug 2021, 5 years ago

Over 15 months old; see below

Remaining Tenure

4.7 Years

AAA (CARE): Rated 31 Aug 2021 (5 years ago) — no review in the last 15 months that our sources show; the agency may have reviewed it since.

Advanced metrics

Modified Duration

3.75 Yrs

Macaulay Duration

4.08 Yrs

Issue Size

₹250 Cr

Minimum Investment

₹10,00,000

1 bond × ₹10,00,000 face value (BSE market lot)

Market Characteristics

Modified Duration

3.75 Yrs

Price sensitivity per 1% yield move

Payment Frequency

Annual

Last Trade

23 Oct 2026

BSE

Trades (30 Days)

Exchange-reported sessions

Security Status

Secured

No call option

Observations

This bond is secured.
3 secondary-market trades recorded in the last 30 days.
Coupon is 2.97 percentage points below the median for tracked NCD bonds. (based on 20,403 tracked NCD bonds with a stated coupon)

Structured Overview

Data as of 8 Nov 2026

Issuer

Credila Financial Services Limited

Instrument Type

NCD

Issue Date

2 Aug 2021

Day Count Convention

ACT/ACT

Listed Exchange

BSE

Call / Put Option

None disclosed

Issued by Credila Financial Services Limited, Credila Financial Services 7.23% Aug 2031 NCD is a secured, rated NCD. It pays a 7.23% p.a. coupon, annually. Principal is repaid at maturity.

Rating Action History

3 actions

Agency actions on Credila Financial Services Limited and its instruments, not only this bond. Rows marked “This bond” carry this ISIN or an exchange filing that names it.

Date	Agency	Action	Rating	Outlook	Rationale
2026-10-12	CRISIL	Update	—	—	View →
2026-08-17	CRISIL	Update	—	—	View →
2026-07-21	CRISIL	Other	—	—	View →

Issuer health card · ratings, payment record, defaults, trading, filings 1 item to look at →

Rating Actions on Credila Financial Services Limited

last 12 months

Agencies rate the issuer and its instruments together; an action may cover bank loans or other instruments rather than this bond. This bond marks actions that carry this ISIN or whose exchange filing names it.

Date	Agency	Action	Rating	Rationale
2026-10-12	CRISIL	Update	—	View →
2026-08-17	CRISIL	Update	—	View →
2026-07-21	CRISIL	Other	—	View →

Alert me about Credila Financial Services Limited An email when a rating agency acts on this issuer (including any cut to default grade D) or a payment is disclosed late or short. Free, no account needed.

Recent Market Prices

Recent BSE trades for INE539K07189: trade date, clean price, YTM and number of trades
Trade Date	Clean Price	YTM (%)	Trades
2026-10-23	94.6700	8.6200	1
2026-10-22	90.7069	9.7346	—
2026-10-15	90.6500	9.7436	—
2026-09-30	93.5400	8.9160	3
2026-09-16	90.6500	9.7141	1
2026-09-15	93.2000	9.0000	1
2026-09-07	92.4400	9.2000	1
2026-08-12	94.5300	8.6300	2
2026-08-07	93.1583	8.9903	1
2026-08-06	94.1094	8.7300	1

Data Coverage

Dataset	Records	Detail	Freshness
Credit Ratings	1	CARE	2021-08-31
Rating Actions History	3	—	2026-10-12
Secondary-Market Trades	10	BSE	2026-10-23
Reg52(4) Payment Disclosures	0	—	—

Documents

Entity metadata

Source: BSE
Last Updated: 8 Nov 2026

Risk warning: This page is for informational purposes only. Bond investments carry credit risk, interest rate risk, and liquidity risk. Credit ratings reflect agency opinion at a point in time. Nothing here constitutes investment advice or a recommendation. Verify all details against the issuer's offer document and the exchange. RetailBonds.in is not a SEBI-registered intermediary. See our full disclaimer.

₹9,46,700.00

YTM8.62%

Trade Date 23 Oct 2026 16d ago

SourceBSE

Accrued interest (est.)₹19,808.22

Dirty price (est.)₹9,66,508.22

View on BSE → Calculate YTM for this bond

Frequently Asked Questions

What is the coupon rate on Credila Financial Services 7.23% Aug 2031 NCD?

Credila Financial Services 7.23% Aug 2031 NCD carries a coupon of 7.23%, paid annual, on a face value of ₹10,00,000.

When does Credila Financial Services 7.23% Aug 2031 NCD mature?

Credila Financial Services 7.23% Aug 2031 NCD matures on 1 Aug 2031, 4.7 years from today.

What is Credila Financial Services 7.23% Aug 2031 NCD rated?

Credila Financial Services 7.23% Aug 2031 NCD is rated AAA by CARE (rating dated 31 Aug 2021).

Is Credila Financial Services 7.23% Aug 2031 NCD secured?

Credila Financial Services 7.23% Aug 2031 NCD is a secured bond.

Where does Credila Financial Services 7.23% Aug 2031 NCD trade?

Credila Financial Services 7.23% Aug 2031 NCD is listed on BSE.

What yield does Credila Financial Services 7.23% Aug 2031 NCD currently offer?

The last recorded trade on 23 Oct 2026 priced Credila Financial Services 7.23% Aug 2031 NCD at ₹9,46,700.00 per bond, implying a yield to maturity of 8.62%.

More Bonds from This Issuer

Credila Financial Services Jun 2027 NCD

INE539K07304

AA+

Coupon

—

Maturity

11 Jun 2027

View Details

Credila Financial Services 8.24% Jun 2027 NCD

INE539K07320

AA+

Coupon

8.24%

Maturity

15 Jun 2027

View Details

Credila Financial Services 9.23% Jul 2027 NCD

INE539K07262

AA+ NSDL record, 2024

Coupon

9.23%

Maturity

22 Jul 2027

View Details

Credila Financial Services 8.20% Jul 2027 NCD

INE539K08153

AAA NSDL record, 2017

Coupon

8.20%

Maturity

23 Jul 2027

View Details

Compare (/) Compare Bonds

Comparable NCDs maturing near 2031

Active bonds from other issuers with maturity within 12 months of this one, listed first when they are in the same face-value band as this bond and traded in the last 30 days, then by closest coupon to 7.23%. For comparison only, not a recommendation.

Bond	Issuer	Rating	Coupon	Maturity
INE134E08NZ6	Power Finance Corporation Limited	AAA	7.24%	2031-02-17
INE787H08220	India Infrastructure Finance Company Limited	AAA	7.25%	2031-06-09
INE557F08GB0	National Housing Bank	AAA NSDL record, 2024	7.20%	2031-10-03
INE020B08GC6	REC Limited	AAA	7.19%	2031-03-15
INE557F08GC8	National Housing Bank	AAA NSDL record, 2025	7.29%	2031-07-04
INE020B08GF9	REC Limited	AAA	7.17%	2031-07-01

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