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Aditya Birla Housing Finance Limited — Bonds & AAA (ICRA) Rating

NBFC · Real Estate

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Methodology v1.0 Download Report (PDF) Watch
Agency Rating
AAA (ICRA)
Most common current rating on senior bonds
37 of 37 rated · ICRA, 7 Oct 2026
Total Debt Outstanding
₹21,140 Cr
Across 45 instruments
Active Bonds
45
First Issue
4 Jul 2016
Latest Issue
18 Aug 2026
Maturity Range
2026 - 2036
Observation
45 active bonds tracked from this issuer.
View details →
Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies
Issuer health card Nothing flagged on record
  • Current ratings ICRA AAA, CRISIL AAA, India Ratings AAA
  • Rating range All current ratings are AAA (CRISIL 31 Aug 2026, ICRA 7 Oct 2026, India Ratings 23 Sep 2026)
  • Rating direction, 12 months 0 upgrades, 0 downgrades
  • Watch / negative outlook None in 12 months
  • Issuer not cooperating No such actions in 12 months
  • Rating withdrawn, 12 months No withdrawal of this issuer's rating in 12 months
  • Newest agency rating Dated 7 Oct 2026
  • Payment record 12 payment disclosures since 17 Jul 2026: all on time
  • Defaults on record No bond marked defaulted
  • Traded in the last 30 days 7 of 45 active bonds had an exchange trade
  • Exchange filings, 90 days 0 filings on NSE/BSE

A checklist of published facts, not a rating or a view on credit quality. Ratings are the agencies' own; payment record covers NSE disclosures since 17 Jul 2026; "late" means paid more than 3 days after the due date (next-working-day payments are allowed). Rating range covers every current rating on the issuer's active bonds, with each agency's rating date. Rating actions count only when the agency's heading names this issuer, not pools or trusts it originated; a withdrawal is flagged only when the issuer's rating itself is withdrawn, not a single facility. Rating age uses the newest rating date on file and is flagged when older than 12 months. See methodology.

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01 Issuer Overview
Sector
Real Estate
Issuer Type
NBFC
First Tracked Bond
4 Jul 2016
Start of this issuer's debt program timeline
  • 45 active bonds tracked from this issuer.
  • 36 of 45 tracked bonds with a stated security status are secured. (based on 45 bonds with a disclosed security status)
  • Most recent rating action: reaffirm by ICRA on 7 Oct 2026.

Aditya Birla Housing Finance Limited, an NBFC in the Real Estate sector, is tracked on RetailBonds.in. Outstanding bonds carry coupons between 6.70% - 8.94%, paid annually. Maturities on outstanding bonds fall between 2026 - 2036.

Data sourced from NSDL, BSE, NSE, and registered credit rating agencies. Verify against the issuer's offer document before transacting.

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02 Debt Profile
Outstanding Bonds
45
Tracked by RetailBonds
Amount Tracked
₹21,140 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 37 of 45 bonds)
Avg Coupon
7.95%
Range 6.70% - 8.94%
Avg Remaining Tenure
2.9 Yrs
Nearest maturity Dec 2026
Secured
80%
36 of 45 bonds with known status
Callable
0
Of 45 bonds
Avg Spread vs G-Sec
+143 bps
Credit premium, from 7 bonds with a current market yield

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (12 bonds).

0 2026: 1 bond, ₹300 Cr tracked, avg coupon 8.10% 1 bond 2026 2027: 12 bonds, ₹4,270 Cr tracked, avg coupon 7.98% 12 bonds 2027 2028: 11 bonds, ₹6,610 Cr tracked, avg coupon 7.88% 11 bonds 2028 2029: 8 bonds, ₹3,525 Cr tracked, avg coupon 8.01% 8 bonds 2029 2030: 3 bonds, ₹2,250 Cr tracked, avg coupon 7.56% 3 bonds 2030 2031: 2 bonds, ₹575 Cr tracked, avg coupon 7.84% 2 bonds 2031 2032: 1 bond, ₹600 Cr tracked, avg coupon 8.15% 1 bond 2032 2034: 3 bonds, ₹710 Cr tracked, avg coupon 8.20% 3 bonds 2034 2035: 3 bonds, ₹1,800 Cr tracked, avg coupon 7.88% 3 bonds 2035 2036: 1 bond, ₹500 Cr tracked, avg coupon 8.23% 1 bond 2036

Security Type / Instrument Mix

  • NCD 45 bonds · 100% · ₹21,140 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2017: ₹160 Cr issued 2017 2019: ₹200 Cr issued 2019 2021: ₹75 Cr issued 2021 2022: ₹850 Cr issued 2022 2023: ₹2,310 Cr issued 2023 2024: ₹5,995 Cr issued 2024 2025: ₹9,650 Cr issued 2025 2026: ₹1,900 Cr issued 2026 Cumulative: ₹160 Cr Cumulative: ₹360 Cr Cumulative: ₹435 Cr Cumulative: ₹1,285 Cr Cumulative: ₹3,595 Cr Cumulative: ₹9,590 Cr Cumulative: ₹19,240 Cr Cumulative: ₹21,140 Cr

Based on 37 of 45 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

03 Credit Profile
  • AAA 37 bonds · 82%
  • Unrated 8 bonds · 18%
AgencyRatingOutlookBonds
ICRA AAA — 37
India Ratings AAA — 17
CRISIL AAA — 9
CRISIL AAA Stable 9

Rating History (Trend)

AAA AA A BBB Below BBB Unrated INDIA_RATINGS: AAA on 2026-09-23 ICRA: AAA on 2026-10-07
Sep 26 — Oct 26 India Ratings ICRA

Recent Rating Actions

7 Oct 2026 · ICRA
AAA
Reaffirmed · Stable
23 Sep 2026 · India Ratings
AAA
Reaffirmed · Stable
04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade Details
INE831R07474 Aditya Birla Housing Finance 8.10% Dec 2026 NCD 8.10% AAA (ICRA) 2026-12-22 — —
INE831R07318 Aditya Birla Housing Finance 6.70% Jan 2027 NCD 6.70% AAA (ICRA) 2027-01-22 — 2026-07-24
INE831R07425 Aditya Birla Housing Finance 8.20% Feb 2027 NCD 8.20% AAA (ICRA) 2027-02-26 7.80% 2026-11-02
INE831R07391 Aditya Birla Housing Finance 8.03% Mar 2027 NCD 8.03% AAA (ICRA) 2027-03-15 8.70% 2026-10-30
INE831R08050 Aditya Birla Housing Finance 8.50% May 2027 NCD 8.50% AAA (ICRA) 2027-05-14 — —
INE831R07441 Aditya Birla Housing Finance 8.20% May 2027 NCD 8.20% AAA (ICRA) 2027-05-19 — 2026-08-31
IN8831R07010 Aditya Birla Housing Finance 8.20% May 2027 NCD 8.20% — 2027-05-19 — —
INE831R08068 Aditya Birla Housing Finance 8.50% Jun 2027 NCD 8.50% AAA (ICRA) 2027-06-01 8.69% 2026-10-30
INE831R07557 Aditya Birla Housing Finance 7.90% Jun 2027 NCD 7.90% AAA (ICRA) 2027-06-08 — 2026-07-02
INE831R07607 Aditya Birla Housing Finance 7.11% Jul 2027 NCD 7.11% AAA (ICRA) 2027-07-30 — —
INE831R07466 Aditya Birla Housing Finance 8.17% Aug 2027 NCD 8.17% AAA (ICRA) 2027-08-25 8.69% 2026-10-30
IN8831R07036 Aditya Birla Housing Finance 8.17% Aug 2027 NCD 8.17% — 2027-08-25 — —
INE831R07482 Aditya Birla Housing Finance 8.05% Dec 2027 NCD 8.05% AAA (ICRA) 2027-12-03 8.71% 2026-10-30
INE831R07516 Aditya Birla Housing Finance 7.85% Mar 2028 NCD 7.85% AAA (ICRA) 2028-03-10 — —
IN8831R07044 Aditya Birla Housing Finance 7.85% Mar 2028 NCD 7.85% — 2028-03-10 — —
INE831R07359 Aditya Birla Housing Finance 8.10% Apr 2028 NCD 8.10% AAA (ICRA) 2028-04-26 — —
INE831R07581 Aditya Birla Housing Finance 7.31% May 2028 NCD 7.31% AAA (ICRA) 2028-05-22 — 2026-10-01
INE831R07540 Aditya Birla Housing Finance 7.86% Jun 2028 NCD 7.86% AAA (ICRA) 2028-06-08 — —
INE831R07367 Aditya Birla Housing Finance 8.02% Jul 2028 NCD 8.02% AAA (ICRA) 2028-07-13 — —
INE831R07565 Aditya Birla Housing Finance 7.90% Aug 2028 NCD 7.90% AAA (ICRA) 2028-08-11 — 2026-09-29
IN8831R07069 Aditya Birla Housing Finance 7.90% Aug 2028 NCD 7.90% — 2028-08-11 — —
INE831R07573 Aditya Birla Housing Finance 7.86% Sep 2028 NCD 7.86% AAA (ICRA) 2028-09-07 — 2026-10-07
IN8831R07051 Aditya Birla Housing Finance 7.86% Sep 2028 NCD 7.86% — 2028-09-07 — —
INE831R07409 Aditya Birla Housing Finance 8.13% Nov 2028 NCD 8.13% AAA (ICRA) 2028-11-01 — —
INE831R07631 Aditya Birla Housing Finance 7.62% Jan 2029 NCD 7.62% AAA (CRISIL) 2029-01-25 — 2026-08-14
INE831R07458 Aditya Birla Housing Finance 8.12% May 2029 NCD 8.12% AAA (ICRA) 2029-05-15 — —
INE831R07656 Aditya Birla Housing Finance 8.22% Jun 2029 NCD 8.22% AAA (CRISIL) 2029-06-05 — 2026-09-25
INE831R08076 Aditya Birla Housing Finance 8.94% Jun 2029 NCD 8.94% AAA (ICRA) 2029-06-08 — 2026-08-27
INE831R07508 Aditya Birla Housing Finance 7.82% Aug 2029 NCD 7.82% AAA (ICRA) 2029-08-06 — —
INE831R07490 Aditya Birla Housing Finance 8.03% Sep 2029 NCD 8.03% AAA (ICRA) 2029-09-11 — —
IN8831R07028 Aditya Birla Housing Finance 8.03% Sep 2029 NCD 8.03% — 2029-09-11 — —
INE831R07524 Aditya Birla Housing Finance 7.29% Dec 2029 NCD 7.29% AAA (ICRA) 2029-12-26 — —
INE831R07532 Aditya Birla Housing Finance 7.85% Jan 2030 NCD 7.85% AAA (ICRA) 2030-01-17 — —
INE831R07599 Aditya Birla Housing Finance Jun 2030 NCD — AAA (ICRA) 2030-06-26 — —
INE831R07623 Aditya Birla Housing Finance 7.28% Nov 2030 NCD 7.28% AAA (CRISIL) 2030-11-18 — —
INE831R08084 Aditya Birla Housing Finance 7.43% Jan 2031 NCD 7.43% AAA (ICRA) 2031-01-15 — —
INE831R07649 Aditya Birla Housing Finance 8.25% Jun 2031 NCD 8.25% AAA (CRISIL) 2031-06-05 8.40% 2026-11-06
INE831R07334 Aditya Birla Housing Finance 8.15% Oct 2032 NCD 8.15% AAA (ICRA) 2032-10-25 — 2026-08-18
INE831R07417 Aditya Birla Housing Finance 8.00% Jan 2034 NCD 8.00% AAA (ICRA) 2034-01-31 — —
INE831R08092 Aditya Birla Housing Finance 8.30% Oct 2034 NCD 8.30% AAA (ICRA) 2034-10-30 — —
IN8831R08018 Aditya Birla Housing Finance 8.30% Oct 2034 NCD 8.30% — 2034-10-30 — —
INE831R08100 Aditya Birla Housing Finance 8.03% Apr 2035 NCD 8.03% AAA (ICRA) 2035-04-23 — —
IN8831R08026 Aditya Birla Housing Finance 8.03% Apr 2035 NCD 8.03% — 2035-04-23 — —
INE831R07615 Aditya Birla Housing Finance 7.58% Jul 2035 NCD 7.58% AAA (CRISIL) 2035-07-31 — —
INE831R08118 Aditya Birla Housing Finance 8.23% Aug 2036 NCD 8.23% AAA (CRISIL) 2036-08-18 8.06% 2026-11-03
Compare (/) Compare Bonds

YTM is the market yield from the latest BSE/NSE trade. It shows “—” when that trade is over 30 days old, the bond is under 30 days from maturity, it is a market-linked debenture, or the price failed our checks (hover the dash for the reason). A coupon is never shown as a yield.

05 Market Activity

Last 30 days, across all outstanding bonds from this issuer.

BSE Traded Value (Last 30 Days)
—
Number of Trades (Last 30 Days)
13
Avg. Yield (Last 30 Days)
8.34%
06 Payment Disclosures (SEBI Reg52(4)) 10 disclosed

Interest and redemption payments as broadcast by NSE under SEBI LODR Reg 52(4)/60, across all outstanding bonds from this issuer -- actual disclosed events, not a projected schedule.

Due DateBondTypeAmount DueAmount PaidStatusFiling
6 Nov 2026 ABHFL-7.8241%-6-8-29-PVT Interest ₹57,51,00,000.00 ₹57,51,00,000.00 Paid XBRL →
2 Nov 2026 ABHFL-8.13%-1-11-28-PVT Interest ₹21,95,00,000.00 ₹21,95,00,000.00 Paid XBRL →
26 Oct 2026 ABHFL-8.15%-25-10-32-PVT Interest ₹48,90,00,000.00 ₹48,90,00,000.00 Paid XBRL →
11 Sep 2026 ABHFL-8.03%-11-9-29-PVT Interest ₹36,94,00,000.00 ₹36,94,00,000.00 Paid XBRL →
7 Sep 2026 ABHFL-7.8618%-7-9-28-PVT Interest ₹91,59,00,000.00 ₹91,59,00,000.00 Paid XBRL →
7 Sep 2026 ABHFL-7.8618%-7-9-28-PVT Interest ₹91,59,00,000.00 ₹91,59,00,000.00 Paid XBRL →
11 Aug 2026 ABHFL-7.90%-11-08-28-PVT Interest ₹45,83,00,000.00 ₹45,83,00,000.00 Paid XBRL →
4 Aug 2026 ABHFL-7.58%-31-07-35-PVT Interest ₹1,13,70,00,000.00 ₹1,13,70,00,000.00 Paid XBRL →
30 Jul 2026 ABHFL-7.1104%-30-07-27-PVT Interest ₹17,71,00,000.00 ₹17,71,00,000.00 Paid XBRL →
30 Jul 2026 ABHFL-8.30%-30-10-34-PVT Interest ₹23,66,00,000.00 ₹23,66,00,000.00 Paid XBRL →

Source: NSE Debt Centralised Database, per SEBI LODR Reg 52(4)/60. Coverage begins 2 Aug 2026 — history accumulates as disclosures are broadcast.

07 Regulatory Filings

No regulatory filings captured yet for this issuer.

08 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 72 2026-10-07
Rating Actions History 2 2026-10-07
Secondary-Market Trades 35 2026-11-06
Reg52(4) Payment Disclosures 10 2026-11-06

Methodology version 1.0. See full methodology for sources and limitations.

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Frequently Asked Questions
How many active bonds does Aditya Birla Housing Finance Limited have?

Aditya Birla Housing Finance Limited currently has 45 active bonds with coupons of 6.70% - 8.94%, maturities spanning 2026 - 2036.

What is Aditya Birla Housing Finance Limited's credit rating?

The most common current rating on Aditya Birla Housing Finance Limited's senior bonds is AAA (ICRA). Ratings on file come from CRISIL, ICRA, India Ratings.

Are Aditya Birla Housing Finance Limited's bonds secured?

Of the 45 bonds with a disclosed security status, 36 are secured (80%) and 9 are unsecured.

When do Aditya Birla Housing Finance Limited's bonds mature?

Aditya Birla Housing Finance Limited's active bonds mature between 2026 - 2036; the nearest matures in Dec 2026; the average tenure is 2.9 Yrs.

What is the average coupon on Aditya Birla Housing Finance Limited's bonds?

The average coupon across Aditya Birla Housing Finance Limited's 45 active bonds is 7.95%.

Disclaimer: This page aggregates publicly available data about Aditya Birla Housing Finance Limited for informational purposes only. Ratings shown are the opinion of the issuing rating agency and are not buy/sell recommendations. RetailBonds.in does not issue its own ratings or investment advice. Verify all data against the issuer’s offer document before transacting.