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Godrej Housing Finance Limited — Bonds & AA+ (CARE) Rating

NBFC · Real Estate

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Methodology v1.0 Download Report (PDF) Watch
Agency Rating
AA+ (CARE)
Most common current rating on senior bonds
2 of 2 rated · CARE, 14 Jan 2026
Total Debt Outstanding
₹1,945 Cr
Across 7 instruments
Active Bonds
7
First Issue
30 Jul 2024
Latest Issue
24 Sep 2026
Maturity Range
2027 - 2036
Observation
7 active bonds tracked from this issuer.
View details →
Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies

Latest events

Last 90 days · company disclosures to the exchanges and agency announcements. Not our assessment.
  • 21 Oct 2026 New rating assigned to AA+ CRISIL
Issuer health card Nothing flagged on record
  • Current ratings CARE AA+
  • Rating range All current ratings are AA+ (CARE 14 Jan 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  • Rating withdrawn, 12 months No withdrawal of this issuer's rating in 12 months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 21 Oct 2026
  • Payment record 1 payment disclosure since 17 Jul 2026: all on time
  • Defaults on record No bond marked defaulted
  • Traded in the last 30 days 1 of 7 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names this issuer, not pools or trusts it originated; a withdrawal is flagged only when the issuer's rating itself is withdrawn, not a single facility.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 Godrej Housing Finance 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
Real Estate
Issuer Type
NBFC
First Tracked Bond
30 Jul 2024
Start of this issuer's debt program timeline
  • 7 active bonds tracked from this issuer.
  • 5 of 7 tracked bonds with a stated security status are secured. (based on 7 bonds with a disclosed security status)
  • Most recent rating action: initial by CRISIL on 21 Oct 2026.

Godrej Housing Finance Limited is an NBFC in the Real Estate sector. Coupon rates on outstanding bonds range from 8.15% - 8.50%, paid annually. Bonds mature between 2027 - 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
7
Tracked by RetailBonds
Amount Tracked
₹1,945 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt
Avg Coupon
8.37%
Range 8.15% - 8.50%
Avg Remaining Tenure
4.5 Yrs
Nearest maturity Nov 2027
Secured
71%
5 of 7 bonds with known status
Callable
0
Of 7 bonds
Avg Spread vs G-Sec
+154 bps
Credit premium, from 1 bond with a current market yield

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (1 bond).

0 2027: 1 bond, ₹250 Cr tracked, avg coupon 8.50% 1 bond 2027 2028: 1 bond, ₹210 Cr tracked, avg coupon 8.40% 1 bond 2028 2029: 1 bond, ₹235 Cr tracked, avg coupon 8.45% 1 bond 2029 2030: 1 bond, ₹500 Cr tracked, avg coupon 8.17% 1 bond 2030 2031: 1 bond, ₹500 Cr tracked, avg coupon 8.40% 1 bond 2031 2035: 1 bond, ₹100 Cr tracked, avg coupon 8.15% 1 bond 2035 2036: 1 bond, ₹150 Cr tracked, avg coupon 8.50% 1 bond 2036

Security Type / Instrument Mix

  • NCD 7 bonds · 100% · ₹1,945 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2024: ₹695 Cr issued 2024 2025: ₹600 Cr issued 2025 2026: ₹650 Cr issued 2026 Cumulative: ₹695 Cr Cumulative: ₹1,295 Cr Cumulative: ₹1,945 Cr

Based on 7 of 7 active bonds with a known issue date and issue size.

03 Credit Profile
  • AA 5 bonds · 71%
  • Unrated 2 bonds · 29%
AgencyRatingOutlookBonds
CARE AA+ Stable 2
CRISIL AA NSDL record — 3

Rating History (Trend)

AAA AA A BBB Below BBB Unrated CRISIL: AA on 2026-06-22 CRISIL: AA on 2026-06-26 CRISIL: AA on 2026-07-14 CRISIL: AA on 2026-10-21
Jun 26 — Oct 26 CRISIL

Recent Rating Actions

21 Oct 2026 · CRISIL
AA+
Initial · Stable
14 Jul 2026 · CRISIL
AA+
Reaffirmed · Stable
26 Jun 2026 · CRISIL
AA+
Reaffirmed · Stable
22 Jun 2026 · CRISIL
AA+
Reaffirmed · Stable
04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade Details
INE02JD07033 Godrej Housing Finance 8.50% Nov 2027 NCD 8.50% AA (CRISIL, NSDL record 2024) 2027-11-30 — —
INE02JD07041 Godrej Housing Finance 8.40% Jan 2028 NCD 8.40% AA (CRISIL, NSDL record 2024) 2028-01-05 — —
INE02JD07058 Godrej Housing Finance 8.45% Sep 2029 NCD 8.45% AA (CRISIL, NSDL record 2024) 2029-09-18 — —
INE02JD07066 Godrej Housing Finance 8.17% Mar 2030 NCD 8.17% AA+ (CARE) 2030-03-04 — —
INE02JD07074 Godrej Housing Finance 8.40% Sep 2031 NCD 8.40% — 2031-09-17 — —
INE02JD08015 Godrej Housing Finance 8.15% Apr 2035 NCD 8.15% AA+ (CARE) 2035-04-25 — 2026-08-07
INE02JD08023 Godrej Housing Finance 8.50% Sep 2036 NCD 8.50% — 2036-09-24 8.80% 2026-11-06
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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)
18
Avg. Yield (Last 30 Days)
8.71%
06 Payment Disclosures (SEBI Reg52(4)) 1 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
18 Sep 2026 8.45% SECURED RATED LISTED... Interest ₹19,86,00,000.00 ₹19,86,00,000.00 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
Credit Rating Rationale
08 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 5 2026-01-14
Rating Actions History 4 2026-10-21
Secondary-Market Trades 24 2026-11-06
Reg52(4) Payment Disclosures 1 2026-09-18

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

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

Godrej Housing Finance Limited currently has 7 active bonds with coupons of 8.15% - 8.50%, maturities spanning 2027 - 2036.

What is Godrej Housing Finance Limited's credit rating?

The most common current rating on Godrej Housing Finance Limited's senior bonds is AA+ (CARE). Ratings on file come from CARE.

Are Godrej Housing Finance Limited's bonds secured?

Of the 7 bonds with a disclosed security status, 5 are secured (71%) and 2 are unsecured.

When do Godrej Housing Finance Limited's bonds mature?

Godrej Housing Finance Limited's active bonds mature between 2027 - 2036; the nearest matures in Nov 2027; the average tenure is 4.5 Yrs.

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

The average coupon across Godrej Housing Finance Limited's 7 active bonds is 8.37%.

Disclaimer: This page aggregates publicly available data about Godrej 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.