Five-Star Business Finance Ltd.

Nbfc · Financial Services

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Methodology v1.0 Download Report (PDF)
Latest Rating
AA (INDIA_RATINGS)
Total Debt Outstanding
₹850 Cr
Across 6 instruments
Listed Bonds
6
First Issue
2020-09-30
Latest Issue
2024-04-22
Maturity Range
2026 - 2029
Observation
6 active bonds tracked from this issuer.
View details →
Coverage: Medium Data Quality: Medium Sources: NSE, BSE, SEBI, rating agencies
01 Issuer Overview
Sector
Financial Services
Issuer Type
Nbfc
First Tracked Bond
2020-09-30
Start of this issuer's debt program timeline
  • 6 active bonds tracked from this issuer.
  • 3 of 3 tracked bonds with a stated security status are secured. (based on 3 bonds with a disclosed security status)

Operating in the financial services sector, Five-Star Business Finance Ltd. is classified as an NBFC. Bond coupons here span 9.10% - 10.91%, paid semi annual. The maturity ladder spans 2026 - 2029.

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
6
Tracked by RetailBonds
Amount Tracked
₹850 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 3 of 6 bonds)
Avg Coupon
9.73%
Range 9.10% - 10.91%
Avg Remaining Tenure
1.3 Yrs
Nearest maturity 2026-12
Secured
100%
3 of 3 bonds with known status
Callable
0
Of 6 bonds
Avg Spread vs G-Sec
+410 bps
Credit premium (indicative)

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (2 bonds).

0 2026: 2 bonds, ₹350 Cr tracked, avg coupon 9.30% 2 bonds 2026 2027: 2 bonds 2 bonds 2027 2028: 1 bond, ₹500 Cr tracked, avg coupon 9.40% 1 bond 2028 2029: 1 bond, avg coupon 10.91% 1 bond 2029

Security Type / Instrument Mix

  • NCD 6 bonds · 100% · ₹850 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2023: ₹350 Cr issued 2023 2024: ₹500 Cr issued 2024 Cumulative: ₹350 Cr Cumulative: ₹850 Cr

Based on 3 of 6 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

Financial Snapshot

Q1 FY26
Debt / Equity
0.01
 
Revenue from Operations
₹828.98 Cr
 
Net Profit / Loss
₹271.41 Cr
 
Profit Before Tax
₹361.95 Cr
 

As filed under SEBI LODR Reg 52(4) / Integrated Filing, filed 25 Jul 2026. Figures are reported facts, not a rating or recommendation.

03 Credit Profile
  • AA 3 bonds · 50%
  • A 3 bonds · 50%
AgencyRatingOutlookBonds
ICRA A 2
ICRA A Stable 1
ICRA AA 1
INDIA_RATINGS AA Stable 1
INDIA_RATINGS AA- 1

Recent Rating Actions

No rating action history available.

04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade
INE128S07606 9.50% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE. LETTER OF ALLOTMENT DATE OF MATURITY 12/12/2026. 9.50% AA- (INDIA_RATINGS) 2026-12-12
INE128S07598 FSBFL-9.1%-15-12-26-PVT 9.10% AA (ICRA) 2026-12-15
INE128S07549 FSBF-GSEC-16-12-27-PVT A (ICRA) 2027-12-16
INE128S07556 FSBF-GSEC-17-12-27-PVT A (ICRA) 2027-12-17
INE128S07614 FSBFL-9.40%-22-4-28-PVT 9.40% AA (INDIA_RATINGS) 2028-04-22
INE128S07507 FSBFL-10.91%-30-9-29-PVT 10.91% A (ICRA) 2029-09-30
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YTM and Last Trade depend on secondary-market volume — shown only for bonds with a recorded BSE/NSE trade.

05 Market Activity

No recorded secondary-market trades in the last 30 days.

06 Regulatory Filings
07 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 6 2024-04-30
Rating Actions History 0
Secondary-Market Trades 0
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 Five-Star Business Finance Ltd. have?

Five-Star Business Finance Ltd. currently has 6 active bonds with coupons 9.10% - 10.91%, maturities spanning 2026 - 2029.

What is Five-Star Business Finance Ltd.'s credit rating?

The most recent rating on Five-Star Business Finance Ltd.'s bonds is AA (INDIA_RATINGS), published by ICRA, INDIA_RATINGS.

Are Five-Star Business Finance Ltd.'s bonds secured?

Of the 3 bonds with a disclosed security status, 3 are secured (100%) and 0 are unsecured.

When do Five-Star Business Finance Ltd.'s bonds mature?

Five-Star Business Finance Ltd.'s active bonds mature between 2026 - 2029; the nearest matures in 2026-12; the average tenure is 1.3 Yrs.

What is the average coupon on Five-Star Business Finance Ltd.'s bonds?

The average coupon across Five-Star Business Finance Ltd.'s 6 active bonds is 9.73%.

Disclaimer: This page aggregates publicly available data about Five-Star Business Finance Ltd. 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.