Smfg India Home Finance Company Limited

Nbfc · Financial Services

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Methodology v1.0 Download Report (PDF)
Latest Rating
AAA (CRISIL)
Total Debt Outstanding
₹3,768 Cr
Across 20 instruments
Listed Bonds
20
First Issue
2020-06-08
Latest Issue
2026-06-23
Maturity Range
2026 - 2035
Observation
20 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
2020-06-08
Start of this issuer's debt program timeline
  • 20 active bonds tracked from this issuer.
  • 14 of 20 tracked bonds with a stated security status are secured. (based on 20 bonds with a disclosed security status)

Operating in the financial services sector, Smfg India Home Finance Company Limited is classified as an NBFC. Bond coupons here span 7.17% - 8.50%, paid annual. The maturity ladder spans 2026 - 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
20
Tracked by RetailBonds
Amount Tracked
₹3,768 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 19 of 20 bonds)
Avg Coupon
7.91%
Range 7.17% - 8.50%
Avg Remaining Tenure
3.1 Yrs
Nearest maturity 2026-09
Secured
70%
14 of 20 bonds with known status
Callable
4
Of 20 bonds
Avg Spread vs G-Sec
+201 bps
Credit premium (indicative)

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (5 bonds).

0 2026: 1 bond, ₹120 Cr tracked, avg coupon 8.15% 1 bond 2026 2027: 5 bonds, ₹1,100 Cr tracked, avg coupon 8.18% 5 bonds 2027 2028: 4 bonds, ₹668 Cr tracked, avg coupon 7.28% 4 bonds 2028 2029: 3 bonds, ₹850 Cr tracked, avg coupon 7.80% 3 bonds 2029 2030: 1 bond, ₹30 Cr tracked, avg coupon 8.50% 1 bond 2030 2031: 2 bonds, ₹425 Cr tracked, avg coupon 7.67% 2 bonds 2031 2032: 2 bonds, ₹200 Cr tracked, avg coupon 8.40% 2 bonds 2032 2035: 2 bonds, ₹375 Cr tracked, avg coupon 7.90% 2 bonds 2035

Security Type / Instrument Mix

  • NCD 20 bonds · 100% · ₹3,768 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2020: ₹30 Cr issued 2020 2021: ₹425 Cr issued 2021 2022: ₹200 Cr issued 2022 2023: ₹120 Cr issued 2023 2024: ₹1,100 Cr issued 2024 2025: ₹1,043 Cr issued 2025 2026: ₹850 Cr issued 2026 Cumulative: ₹30 Cr Cumulative: ₹455 Cr Cumulative: ₹655 Cr Cumulative: ₹775 Cr Cumulative: ₹1,875 Cr Cumulative: ₹2,918 Cr Cumulative: ₹3,768 Cr

Based on 19 of 20 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

03 Credit Profile
  • AAA 19 bonds · 95%
  • Unrated 1 bonds · 5%
AgencyRatingOutlookBonds
CARE AAA 13
CRISIL AAA 7

Recent Rating Actions

No rating action history available.

04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade
INE213W07269 8.15% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE. SERIES 24 DATE OF MATURITY 04/09/2026. 8.15% AAA (CARE) 2026-09-04
INE213W07277 8.35% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE. SERIES 25 DATE OF MATURITY 15/01/2027. 8.35% AAA (CRISIL) 2027-01-15
INE213W07285 8.25% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURES SERIES 26 DATE OF MATURITY 28/05/2027. 8.25% AAA (CRISIL) 2027-05-28
IN8213W07029 8.07% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE. SERIES 27 DATE OF MATURITY 10/09/2027. 8.07% 2027-09-10
INE213W07293 8.07% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE. SERIES 27 DATE OF MATURITY 10/09/2027. 8.07% AAA (CARE) 2027-09-10
INE213W07301 8.16% T-BILL LINKED RESET RATE SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE. SERIES 28 DATE OF MATURITY 29/10/2027 8.16% AAA (CARE) 2027-10-29
INE213W07335 7.17% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE SERIES 31 DATE OF MATURITY 27/01/2028 7.17% AAA (CARE) 2028-01-27
INE213W07319 7.40% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES 29 DATE OF MATURITY 19/05/2028 7.40% AAA (CARE) 2028-05-19
INE213W07327 7.25% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES 30 DATE OF MATURITY 04/09/2028 7.25% AAA (CARE) 2028-09-04
INE213W07343 7.30% SECURED RATED LISTED PARTLY PAID REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES 32 TRANCHE 1 DATE OF MATURITY 13/10/2028 7.30% AAA (CARE) 2028-10-13
INE213W07368 RESET RATE SECURED RATED LISTED REDEEMABLE PARTLY PAID NON CONVERTIBLE DEBENTURE SERIES 34 DATE OF MATURITY 23/01/2029 AAA (CARE) 2029-01-23
INE213W07376 RESET RATE SECURED RATED LISTED REDEEMABLE PARTLY PAID NON CONVERTIBLE DEBENTURE SERIES 36 DATE OF MATURITY 30/03/2029 AAA (CARE) 2029-03-30
INE213W07384 7.80% SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES 35 TRANCHE 1 DATE OF MATURITY 23/07/2029 7.80% AAA (CARE) 2029-07-23
INE213W08010 8.50% RATED, LISTED, UNSECURED, SUBORDINATED (TIER II), REDEEMABLE, TRANSFERABLE, NON CONVERTIBLE DEBENTURES.SERIES – SUBDEBT 01. DATE OF MATURITY 07/06/2030 8.50% AAA (CRISIL) 2030-06-07
INE213W08028 7.63% RATED, LISTED, UNSECURED, SUBORDINATED (TIER II), REDEEMABLE, TRANSFERABLE, NON CONVERTIBLE DEBENTURES.SERIES – SUBDEBT 02. DATE OF MATURITY 01/01/2031. 7.63% AAA (CRISIL) 2031-01-01
INE213W08036 7.70% UNSECURED RATED LISTED SUBORDINATED TIER II REDEEMABLE NON CONVERTIBLE DEBENTURES.SERIES 03. DATE OF MATURITY 12/08/2031 7.70% AAA (CARE) 2031-08-12
INE213W08044 8.40% UNSECURED RATED LISTED SUBORIDNATE TIER II NON CONVERTIBLE DEBENTURE. SERIES 4. DATE OF MATURITY 22/07/2032. 8.40% AAA (CARE) 2032-07-22
INE213W08051 8.40% UNSECURED RATED LISTED SUBORDINATE TIER II NON CONVERTIBLE DEBENTURE. SERIES 5. DATE OF MATURITY 12/08/2032. 8.40% AAA (CRISIL) 2032-08-12
INE213W08069 8.10% UNSECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE SERIES 6 DATE OF MATURITY 24/10/2035 8.10% AAA (CRISIL) 2035-10-24
INE213W07350 7.71% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES 33 DATE OF MATURITY 16/11/2035 7.71% AAA (CRISIL) 2035-11-16
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

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

06 Payment Disclosures (SEBI Reg52(4)) 3 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
2026-08-12 7.70% UNSECURED RATED LISTED... Interest ₹19,300,000.00 ₹19,300,000.00 Paid XBRL →
2026-08-12 8.40% UNSECURED RATED LISTED... Interest ₹42,000,000.00 ₹42,000,000.00 Paid XBRL →
2026-07-22 8.40% UNSECURED RATED LISTED... Interest ₹84,000,000.00 ₹84,000,000.00 Paid XBRL →

Source: NSE Debt Centralised Database, per SEBI LODR Reg 52(4)/60. Coverage begins 2026-08-02 -- 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) 20 2026-06-28
Rating Actions History 0
Secondary-Market Trades 0
Reg52(4) Payment Disclosures 3 2026-08-12

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

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Frequently Asked Questions
How many active bonds does Smfg India Home Finance Company Limited have?

Smfg India Home Finance Company Limited currently has 20 active bonds with coupons 7.17% - 8.50%, maturities spanning 2026 - 2035.

What is Smfg India Home Finance Company Limited's credit rating?

The most recent rating on Smfg India Home Finance Company Limited's bonds is AAA (CRISIL), published by CARE, CRISIL.

Are Smfg India Home Finance Company Limited's bonds secured?

Of the 20 bonds with a disclosed security status, 14 are secured (70%) and 6 are unsecured.

When do Smfg India Home Finance Company Limited's bonds mature?

Smfg India Home Finance Company Limited's active bonds mature between 2026 - 2035; the nearest matures in 2026-09; the average tenure is 3.1 Yrs.

What is the average coupon on Smfg India Home Finance Company Limited's bonds?

The average coupon across Smfg India Home Finance Company Limited's 20 active bonds is 7.91%.

Disclaimer: This page aggregates publicly available data about Smfg India Home Finance Company 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.