Lulu Financial Services (india) Private Limited

Nbfc · Financial Services

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Methodology v1.0 Download Report (PDF)

Latest Rating

BBB- (INDIA_RATINGS)

Total Debt Outstanding

₹59 Cr

Across 60 instruments

Listed Bonds

First Issue

2025-01-08

Latest Issue

2026-05-18

Maturity Range

2026 - 2029

Observation

60 active bonds tracked from this issuer.

View details →

Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies

01 Issuer Overview

Sector

Financial Services

Issuer Type

Nbfc

First Tracked Bond

2025-01-08

Start of this issuer's debt program timeline

60 active bonds tracked from this issuer.
60 of 60 tracked bonds with a stated security status are secured. (based on 60 bonds with a disclosed security status)

Lulu Financial Services (india) Private Limited, an NBFC in the financial services sector, is tracked on RetailBonds.in. Outstanding bonds carry coupons between 10.00% - 12.40%, paid monthly. Maturities on outstanding bonds fall between 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

Tracked by RetailBonds

Amount Tracked

₹59 Cr

Of bonds tracked by RetailBonds — not the issuer's total outstanding debt

Avg Coupon

10.74%

Range 10.00% - 12.40%

Avg Remaining Tenure

1.4 Yrs

Nearest maturity 2026-10

Secured

100%

60 of 60 bonds with known status

Callable

Of 60 bonds

Avg Spread vs G-Sec

+517 bps

Credit premium (indicative)

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (24 bonds).

Security Type / Instrument Mix

NCD 60 bonds · 100% · ₹59 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)

Based on 60 of 60 active bonds with a known issue date and issue size.

03 Credit Profile

BBB 32 bonds · 53%
Below BBB 28 bonds · 47%

Agency	Rating	Outlook	Bonds
INDIA_RATINGS	BB+	—	28
INDIA_RATINGS	BBB-	—	20
ACUITE	BBB-	—	12

Recent Rating Actions

No rating action history available.

04 Outstanding Bonds View all bonds →

ISIN	Bond Name	Coupon	Rating	Maturity	YTM	Last Trade
INE16OZ07374	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 2 CUMULATIVE DATE OF MATURITY 16/10/2026	10.00%	BB+ (INDIA_RATINGS)	2026-10-16	—	—
INE16OZ07358	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 4 CUMULATIVE DATE OF MATURITY 16/10/2026	10.25%	BB+ (INDIA_RATINGS)	2026-10-16	—	—
INE16OZ07366	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 1 DATE OF MATURITY 16/10/2026	10.00%	BB+ (INDIA_RATINGS)	2026-10-16	—	—
INE16OZ07382	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 3 DATE OF MATURITY 16/10/2026	10.25%	BB+ (INDIA_RATINGS)	2026-10-16	—	—
INE16OZ07440	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 4 DATE OF MATURITY 30/11/2026	10.25%	BB+ (INDIA_RATINGS)	2026-11-30	—	—
INE16OZ07416	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 1 DATE OF MATURITY 30/11/2026	10.00%	BB+ (INDIA_RATINGS)	2026-11-30	—	—
INE16OZ07432	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 3 DATE OF MATURITY 30/11/2026	10.25%	BB+ (INDIA_RATINGS)	2026-11-30	—	—
INE16OZ07424	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 2 DATE OF MATURITY 30/11/2026	10.00%	BB+ (INDIA_RATINGS)	2026-11-30	—	—
INE16OZ07143	10.50% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE OPTION 6 DATE OF MATURITY 08/01/2027	10.50%	BB+ (INDIA_RATINGS)	2027-01-08	—	—
INE16OZ07549	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 4 DATE OF MATURITY 30/01/2027	10.25%	BBB- (INDIA_RATINGS)	2027-01-30	—	—
INE16OZ07572	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 3 DATE OF MATURITY 30/01/2027	10.25%	BBB- (ACUITE)	2027-01-30	—	—
INE16OZ07580	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 2 DATE OF MATURITY 30/01/2027	10.00%	BBB- (ACUITE)	2027-01-30	—	—
INE16OZ07598	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 1 DATE OF MATURITY 30/01/2027	10.00%	BBB- (ACUITE)	2027-01-30	—	—
INE16OZ07689	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES E OPTION 1 DATE OF MATURITY 15/03/2027	10.00%	BBB- (INDIA_RATINGS)	2027-03-15	—	—
INE16OZ07622	10% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES E OPTION 2 DATE OF MATURITY 15/03/2027	10.00%	BBB- (ACUITE)	2027-03-15	—	—
INE16OZ07648	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES E OPTION 3 DATE OF MATURITY 15/03/2027	10.25%	BBB- (ACUITE)	2027-03-15	—	—
INE16OZ07747	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 4 DATE OF MATURITY 15/06/2027	10.25%	BBB- (INDIA_RATINGS)	2027-06-15	—	—
INE16OZ07721	10.00% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 2 DATE OF MATURITY 15/06/2027	10.00%	BBB- (INDIA_RATINGS)	2027-06-15	—	—
INE16OZ07713	10.00% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 1 DATE OF MATURITY 15/06/2027	10.00%	BBB- (INDIA_RATINGS)	2027-06-15	—	—
INE16OZ07739	10.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 3 DATE OF MATURITY 15/06/2027	10.25%	BBB- (INDIA_RATINGS)	2027-06-15	—	—
INE16OZ07242	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 6 CUMULATIVE DATE OF MATURITY 20/06/2027	10.75%	BB+ (INDIA_RATINGS)	2027-06-20	—	—
INE16OZ07341	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 5 DATE OF MATURITY 14/10/2027	10.75%	BB+ (INDIA_RATINGS)	2027-10-14	—	—
INE16OZ07408	10.50% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 5 DATE OF MATURITY 28/11/2027	10.50%	BB+ (INDIA_RATINGS)	2027-11-28	—	—
INE16OZ07457	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 6 DATE OF MATURITY 28/11/2027	10.75%	BB+ (INDIA_RATINGS)	2027-11-28	—	—
INE16OZ07150	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE OPTION 7 DATE OF MATURITY 08/01/2028	11.00%	BB+ (INDIA_RATINGS)	2028-01-08	—	—
INE16OZ07168	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE OPTION 8 DATE OF MATURITY 08/01/2028	11.00%	BB+ (INDIA_RATINGS)	2028-01-08	—	—
INE16OZ07184	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE OPTION 10 DATE OF MATURITY 08/01/2028	11.25%	BB+ (INDIA_RATINGS)	2028-01-08	—	—
INE16OZ07564	10.50% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 5 DATE OF MATURITY 28/01/2028	10.50%	BBB- (INDIA_RATINGS)	2028-01-28	—	—
INE16OZ07606	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 6 DATE OF MATURITY 28/01/2028	10.75%	BBB- (ACUITE)	2028-01-28	—	—
INE16OZ07556	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 7 DATE OF MATURITY 28/01/2028	10.75%	BBB- (INDIA_RATINGS)	2028-01-28	—	—
INE16OZ07531	10.50% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 8 DATE OF MATURITY 28/01/2028	10.50%	BBB- (INDIA_RATINGS)	2028-01-28	—	—
INE16OZ07630	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES E OPTION 4 DATE OF MATURITY 13/03/2028	10.75%	BBB- (INDIA_RATINGS)	2028-03-13	—	—
INE16OZ07614	12% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES F DATE OF MATURITY 16/03/2028	12.00%	BBB- (ACUITE)	2028-03-16	13.00%	2026-08-25
INE16OZ07788	10.5% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 5 DATE OF MATURITY 15/05/2028	10.50%	BBB- (INDIA_RATINGS)	2028-05-15	—	—
INE16OZ07770	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 6 DATE OF MATURITY 15/05/2028	10.75%	BBB- (INDIA_RATINGS)	2028-05-15	—	—
INE16OZ07705	10.75% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 7 DATE OF MATURITY 15/05/2028	10.75%	BBB- (INDIA_RATINGS)	2028-05-15	—	—
INE16OZ07234	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 7 MONTHLY DATE OF MATURITY 20/06/2028	11.00%	BB+ (INDIA_RATINGS)	2028-06-20	—	—
INE16OZ07200	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 12 CUMULATIVE DATE OF MATURITY 20/06/2028	11.25%	BB+ (INDIA_RATINGS)	2028-06-20	—	—
INE16OZ07218	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 9 QUARTERLY DATE OF MATURITY 20/06/2028	11.25%	BB+ (INDIA_RATINGS)	2028-06-20	—	—
INE16OZ07309	11% SECURED UNRATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 10 DATE OF MATURITY 20/06/2028	11.00%	BB+ (INDIA_RATINGS)	2028-06-20	—	—
INE16OZ07226	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 8 MONTHLY DATE OF MATURITY 20/06/2028	11.25%	BB+ (INDIA_RATINGS)	2028-06-20	—	—
INE16OZ07192	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A OPTION 11 CUMULATIVE DATE OF MATURITY 20/06/2028	11.00%	BB+ (INDIA_RATINGS)	2028-06-20	—	—
INE16OZ07317	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 8 DATE OF MATURITY 14/10/2028	11.25%	BB+ (INDIA_RATINGS)	2028-10-14	—	—
INE16OZ07333	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 6 DATE OF MATURITY 14/10/2028	11.00%	BB+ (INDIA_RATINGS)	2028-10-14	—	—
INE16OZ07390	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 9 CUMULATIVE DATE OF MATURITY 14/10/2028	11.25%	BB+ (INDIA_RATINGS)	2028-10-14	—	—
INE16OZ07325	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B OPTION 7 CUMULATIVE DATE OF MATURITY 14/10/2028	11.00%	BB+ (INDIA_RATINGS)	2028-10-14	—	—
INE16OZ07473	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 8 DATE OF MATURITY 28/11/2028	11.25%	BB+ (INDIA_RATINGS)	2028-11-28	—	—
INE16OZ07465	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C OPTION 7 DATE OF MATURITY 28/11/2028	11.00%	BB+ (INDIA_RATINGS)	2028-11-28	—	—
INE16OZ07515	11% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 13 DATE OF MATURITY 28/01/2029	11.00%	BBB- (ACUITE)	2029-01-28	—	—
INE16OZ07523	11.25% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES D OPTION 10 DATE OF MATURITY 28/01/2029	11.25%	BBB- (ACUITE)	2029-01-28	—	—

Compare (/) Compare Bonds

YTM and Last Trade depend on secondary-market volume — shown only for bonds with a recorded BSE/NSE trade.

05 Market Activity

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

Traded Value (Last 30 Days)

₹0.0 Cr

Number of Trades (Last 30 Days)

Avg. Yield (Last 30 Days)

12.75%

06 Regulatory Filings

No regulatory filings captured yet for this issuer.

07 Methodology & Data Coverage

Dataset	Count	Freshness
Credit Ratings (current)	60	2026-01-07
Rating Actions History	0	—
Secondary-Market Trades	4	2026-08-25
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 Lulu Financial Services (india) Private Limited have?

Lulu Financial Services (india) Private Limited currently has 60 active bonds with coupons 10.00% - 12.40%, maturities spanning 2026 - 2029.

What is Lulu Financial Services (india) Private Limited's credit rating?

The most recent rating on Lulu Financial Services (india) Private Limited's bonds is BBB- (INDIA_RATINGS), published by ACUITE, INDIA_RATINGS.

Are Lulu Financial Services (india) Private Limited's bonds secured?

Of the 60 bonds with a disclosed security status, 60 are secured (100%) and 0 are unsecured.

When do Lulu Financial Services (india) Private Limited's bonds mature?

Lulu Financial Services (india) Private Limited's active bonds mature between 2026 - 2029; the nearest matures in 2026-10; the average tenure is 1.4 Yrs.

What is the average coupon on Lulu Financial Services (india) Private Limited's bonds?

The average coupon across Lulu Financial Services (india) Private Limited's 60 active bonds is 10.74%.

Disclaimer: This page aggregates publicly available data about Lulu Financial Services (india) Private 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.