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Credila Financial Services Limited — Bonds & AAA (CRISIL) Rating on senior bonds

NBFC · Financial Services

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Methodology v1.0 Download Report (PDF) Watch
Agency Rating
AAA (CRISIL)
Most common current rating on senior bonds
12 of 20 rated · CRISIL, 29 Feb 2024
AT1 / perpetual: AA (CARE)
Total Debt Outstanding
₹7,200 Cr
Across 34 instruments
Active Bonds
34
First Issue
9 Jul 2014
Latest Issue
6 Oct 2026
Maturity Range
2027 - 2035
Observation
34 active bonds tracked from this issuer.
View details →
Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies
Issuer health card 1 item to look at
  • Current ratings CRISIL AAA, CRISIL AA+, CARE AA
  • Rating range Current ratings on senior bonds range from AA+ (CRISIL 30 Jun 2026) to AAA (CARE 31 Aug 2021, CRISIL 29 Feb 2024)
  • 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  • Rating withdrawn, 12 months No withdrawal of this issuer's rating in 12 months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 30 Jun 2026
  • Payment record No payment disclosures since 17 Jul 2026
  • Defaults on record No bond marked defaulted
  • Traded in the last 30 days 4 of 34 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names this issuer, not pools or trusts it originated; a withdrawal is flagged only when the issuer's rating itself is withdrawn, not a single facility.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.

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.
01 Issuer Overview
Sector
Financial Services
Issuer Type
NBFC
First Tracked Bond
9 Jul 2014
Start of this issuer's debt program timeline
  • 34 active bonds tracked from this issuer.
  • 19 of 33 tracked bonds with a stated security status are secured. (based on 33 bonds with a disclosed security status)
  • Most recent rating action: update by CRISIL on 12 Oct 2026.

Credila Financial Services Limited is an NBFC in the Financial Services sector. Coupon rates on outstanding bonds range from 7.00% - 11.75%, paid annually. Bonds mature between 2027 - 2035.

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
34
Tracked by RetailBonds
Amount Tracked
₹7,200 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 33 of 34 bonds)
Avg Coupon
8.67%
Range 7.00% - 11.75%
Avg Remaining Tenure
3.4 Yrs
Nearest maturity Jun 2027
Secured
57%
19 of 33 bonds with known status
Callable
4
Of 34 bonds
Avg Spread vs G-Sec
+162 bps
Credit premium, from 4 bonds with a current market yield

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (7 bonds).

0 2027: 6 bonds, ₹950 Cr tracked, avg coupon 8.15% 6 bonds 2027 2028: 3 bonds, ₹1,000 Cr tracked, avg coupon 8.52% 3 bonds 2028 2029: 7 bonds, ₹1,300 Cr tracked, avg coupon 8.85% 7 bonds 2029 2030: 1 bond, ₹225 Cr tracked, avg coupon 8.49% 1 bond 2030 2031: 2 bonds, ₹675 Cr tracked, avg coupon 8.37% 2 bonds 2031 2032: 6 bonds, ₹1,525 Cr tracked, avg coupon 8.07% 6 bonds 2032 2034: 1 bond, ₹210 Cr tracked, avg coupon 9.60% 1 bond 2034 2035: 1 bond, ₹740 Cr tracked, avg coupon 9.00% 1 bond 2035 2042+: 7 bonds, ₹575 Cr tracked, avg coupon 9.48% 7 bonds 2042+

Security Type / Instrument Mix

  • NCD 34 bonds · 100% · ₹7,200 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2014: ₹50 Cr issued 2014 2015: ₹100 Cr issued 2015 2017: ₹150 Cr issued 2017 2018: ₹75 Cr issued 2018 2019: ₹550 Cr issued 2019 2020: ₹200 Cr issued 2020 2021: ₹250 Cr issued 2021 2022: ₹1,825 Cr issued 2022 2023: ₹790 Cr issued 2023 2024: ₹670 Cr issued 2024 2025: ₹1,665 Cr issued 2025 2026: ₹875 Cr issued 2026 Cumulative: ₹50 Cr Cumulative: ₹150 Cr Cumulative: ₹300 Cr Cumulative: ₹375 Cr Cumulative: ₹925 Cr Cumulative: ₹1,125 Cr Cumulative: ₹1,375 Cr Cumulative: ₹3,200 Cr Cumulative: ₹3,990 Cr Cumulative: ₹4,660 Cr Cumulative: ₹6,325 Cr Cumulative: ₹7,200 Cr

Based on 33 of 34 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

03 Credit Profile
  • AAA 19 bonds · 56%
  • AA 14 bonds · 41%
  • Unrated 1 bond · 3%
AgencyRatingOutlookBonds
CRISIL AAA — 7
CRISIL AA+ Stable 5
CRISIL AAA Stable 4
CRISIL AA+ — 3
CARE AA — 1
CARE AAA — 1
CARE AAA NSDL record — 5
CARE AA NSDL record — 1
CARE AA+ NSDL record — 1
CRISIL AA+ NSDL record — 1
CRISIL AAA NSDL record — 1
ICRA AA NSDL record — 1
ICRA AA+ NSDL record — 1
ICRA AAA NSDL record — 1

Recent Rating Actions

12 Oct 2026 · CRISIL
—
Update
17 Aug 2026 · CRISIL
—
Update
21 Jul 2026 · CRISIL
—
Other
04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade Details
INE539K07304 Credila Financial Services Jun 2027 NCD — AA+ (CRISIL) 2027-06-11 — —
INE539K07320 Credila Financial Services 8.24% Jun 2027 NCD 8.24% AA+ (CRISIL) 2027-06-15 8.67% 2026-10-23
INE539K07262 Credila Financial Services 9.23% Jul 2027 NCD 9.23% AA+ (CRISIL, NSDL record 2024) 2027-07-22 — —
INE539K08153 Credila Financial Services 8.20% Jul 2027 NCD 8.20% AAA (CRISIL, NSDL record 2017) 2027-07-23 — —
INE539K07171 Credila Financial Services 7.00% Nov 2027 NCD 7.00% AAA (CRISIL) 2027-11-12 — 2026-09-25
INE539K08161 Credila Financial Services 8.10% Nov 2027 NCD 8.10% AAA (ICRA, NSDL record 2017) 2027-11-16 — —
INE539K07338 Credila Financial Services 8.37% Mar 2028 NCD 8.37% AA+ (CRISIL) 2028-03-15 8.60% 2026-10-15
INE539K07254 Credila Financial Services 8.25% Mar 2028 NCD 8.25% AAA (CRISIL) 2028-03-29 — 2026-09-07
INE539K07353 Credila Financial Services 8.95% Jun 2028 NCD 8.95% AA+ (CRISIL) 2028-06-22 — 2026-10-07
INE539K07213 Credila Financial Services 7.30% Feb 2029 NCD 7.30% AAA (CRISIL) 2029-02-23 — —
INE539K08195 Credila Financial Services 9.12% Jun 2029 NCD 9.12% AAA (CRISIL) 2029-06-06 — 2026-08-17
INE539K08245 Credila Financial Services 9.60% Jun 2029 NCD 9.60% AAA (CRISIL) 2029-06-29 — —
INE539K07122 Credila Financial Services 8.85% Jul 2029 NCD 8.85% AAA (CRISIL) 2029-07-06 — 2026-08-27
INE539K07130 Credila Financial Services 8.70% Aug 2029 NCD 8.70% AAA (CRISIL) 2029-08-01 — 2026-08-17
INE539K07361 Credila Financial Services 9.25% Oct 2029 NCD 9.25% — 2029-10-05 — —
INE539K07288 Credila Financial Services 9.10% Dec 2029 NCD 9.10% AA+ (CRISIL) 2029-12-13 — —
INE539K07312 Credila Financial Services 8.49% Sep 2030 NCD 8.49% AA+ (CRISIL) 2030-09-19 — —
INE539K07346 Credila Financial Services 9.51% Jun 2031 NCD 9.51% AA+ (CRISIL) 2031-06-04 8.77% 2026-11-06
INE539K07189 Credila Financial Services 7.23% Aug 2031 NCD 7.23% AAA (CARE) 2031-08-01 8.62% 2026-10-23
INE539K07205 Credila Financial Services 7.50% Jan 2032 NCD 7.50% AAA (CRISIL) 2032-01-30 — 2026-08-11
INE539K08203 Credila Financial Services 8.40% Jun 2032 NCD 8.40% AAA (CARE, NSDL record 2022) 2032-06-30 — 2026-07-15
INE539K07221 Credila Financial Services 8.15% Jul 2032 NCD 8.15% AAA (CARE, NSDL record 2022) 2032-07-07 — 2026-09-15
INE539K08211 Credila Financial Services 8.25% Jul 2032 NCD 8.25% AAA (CARE, NSDL record 2022) 2032-07-23 — 2026-07-15
INE539K07239 Credila Financial Services 8.17% Oct 2032 NCD 8.17% AAA (CRISIL) 2032-10-14 — —
INE539K07247 Credila Financial Services 7.95% Nov 2032 NCD 7.95% AAA (CRISIL) 2032-11-24 — —
INE539K08252 Credila Financial Services 9.60% Feb 2034 NCD 9.60% AAA (CRISIL) 2034-02-24 — 2026-10-05
INE539K07296 Credila Financial Services 9.00% Feb 2035 NCD 9.00% AA+ (CRISIL) 2035-02-10 — —
INE539K08120 Credila Financial Services 10.50% Perpetual NCD 10.50% AA (CARE) Perpetual — —
INE539K08187 Credila Financial Services 9.35% Perpetual NCD 9.35% AA+ (ICRA, NSDL record 2018) Perpetual — 2026-07-14
INE539K08179 Credila Financial Services 8.75% Perpetual NCD 8.75% AA+ (CARE, NSDL record 2017) Perpetual — 2026-09-28
INE539K08237 Credila Financial Services 8.15% Perpetual NCD 8.15% AAA (CARE, NSDL record 2023) Perpetual — 2026-08-24
INE539K08229 Credila Financial Services 8.36% Perpetual NCD 8.36% AAA (CARE, NSDL record 2022) Perpetual — —
INE539K08138 Credila Financial Services Perpetual NCD — AA (CARE, NSDL record 2015) Perpetual — —
INE539K08112 Credila Financial Services 11.75% Perpetual NCD 11.75% AA (ICRA, NSDL record 2014) Perpetual — —
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)
7
Avg. Yield (Last 30 Days)
8.86%
06 Regulatory Filings
Credit Rating Rationale
07 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 33 2026-06-30
Rating Actions History 3 2026-10-12
Secondary-Market Trades 126 2026-11-06
Reg52(4) Payment Disclosures 0 —

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

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Frequently Asked Questions
How many active bonds does Credila Financial Services Limited have?

Credila Financial Services Limited currently has 34 active bonds with coupons of 7.00% - 11.75%, maturities spanning 2027 - 2035.

What is Credila Financial Services Limited's credit rating?

The most common current rating on Credila Financial Services Limited's senior bonds is AAA (CRISIL). Ratings on file come from CARE, CRISIL. Other instrument classes: AT1 / perpetual: AA (CARE).

Are Credila Financial Services Limited's bonds secured?

Of the 33 bonds with a disclosed security status, 19 are secured (57%) and 14 are unsecured.

When do Credila Financial Services Limited's bonds mature?

Credila Financial Services Limited's active bonds mature between 2027 - 2035; the nearest matures in Jun 2027; the average tenure is 3.4 Yrs.

What is the average coupon on Credila Financial Services Limited's bonds?

The average coupon across Credila Financial Services Limited's 34 active bonds is 8.67%.

Disclaimer: This page aggregates publicly available data about Credila Financial Services 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.