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Sundaram Home Finance Limited — Bonds & AAA (CRISIL) Rating

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
3 of 3 rated · CRISIL, 28 Jun 2026
Total Debt Outstanding
₹5,780 Cr
Across 23 instruments
Active Bonds
23
First Issue
7 Sep 2018
Latest Issue
30 Sep 2026
Maturity Range
2026 - 2036
Observation
23 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.
  • 6 Oct 2026 New rating assigned to AAA CRISIL
Issuer health card Nothing flagged on record
  • Current ratings CRISIL AAA
  • Rating range All current ratings are AAA (CRISIL 28 Jun 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  • Rating withdrawn, 12 months No withdrawal of this issuer's rating in 12 months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 6 Oct 2026
  • Payment record 10 payment disclosures since 17 Jul 2026: all on time
  • Defaults on record No bond marked defaulted
  • Traded in the last 30 days 1 of 23 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names this issuer, not pools or trusts it originated; a withdrawal is flagged only when the issuer's rating itself is withdrawn, not a single facility.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 Sundaram Home 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
Financial Services
Issuer Type
NBFC
First Tracked Bond
7 Sep 2018
Start of this issuer's debt program timeline
  • 23 active bonds tracked from this issuer.
  • 21 of 23 tracked bonds with a stated security status are secured. (based on 23 bonds with a disclosed security status)
  • Most recent rating action: initial by CRISIL on 6 Oct 2026.

Sundaram Home Finance Limited is an NBFC in the Financial Services sector. Coupon rates on outstanding bonds range from 6.98% - 8.93%, paid annually. Bonds mature between 2026 - 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
23
Tracked by RetailBonds
Amount Tracked
₹5,780 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 22 of 23 bonds)
Avg Coupon
7.71%
Range 6.98% - 8.93%
Avg Remaining Tenure
3.2 Yrs
Nearest maturity Nov 2026
Secured
91%
21 of 23 bonds with known status
Callable
0
Of 23 bonds
Avg Spread vs G-Sec
+124 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 (5 bonds).

0 2026: 1 bond, ₹245 Cr tracked, avg coupon 7.91% 1 bond 2026 2027: 5 bonds, ₹1,025 Cr tracked, avg coupon 7.62% 5 bonds 2027 2028: 3 bonds, ₹600 Cr tracked, avg coupon 7.30% 3 bonds 2028 2029: 4 bonds, ₹850 Cr tracked, avg coupon 7.78% 4 bonds 2029 2030: 3 bonds, ₹750 Cr tracked, avg coupon 7.15% 3 bonds 2030 2031: 4 bonds, ₹1,210 Cr tracked, avg coupon 8.02% 4 bonds 2031 2033: 1 bond, ₹500 Cr tracked, avg coupon 8.93% 1 bond 2033 2034: 1 bond, ₹500 Cr tracked, avg coupon 7.95% 1 bond 2034 2036: 1 bond, ₹100 Cr tracked, avg coupon 7.70% 1 bond 2036

Security Type / Instrument Mix

  • NCD 23 bonds · 100% · ₹5,780 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2018: ₹500 Cr issued 2018 2022: ₹375 Cr issued 2022 2024: ₹2,145 Cr issued 2024 2025: ₹1,450 Cr issued 2025 2026: ₹1,310 Cr issued 2026 Cumulative: ₹500 Cr Cumulative: ₹875 Cr Cumulative: ₹3,020 Cr Cumulative: ₹4,470 Cr Cumulative: ₹5,780 Cr

Based on 22 of 23 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

03 Credit Profile
  • AAA 18 bonds · 78%
  • AA 1 bond · 4%
  • Unrated 4 bonds · 17%
AgencyRatingOutlookBonds
CRISIL AAA — 3
ICRA AAA NSDL record — 13
CRISIL AAA NSDL record — 2
CRISIL AA+ NSDL record — 1

Rating History (Trend)

AAA AA A BBB Below BBB Unrated CRISIL: AAA on 2026-07-03 CRISIL: AAA on 2026-10-06
Jul 26 — Oct 26 CRISIL

Recent Rating Actions

6 Oct 2026 · CRISIL
AAA
Initial · Stable
3 Jul 2026 · CRISIL
AAA
Initial · Stable
04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade Details
INE667F07IU5 Sundaram Home Finance 7.91% Nov 2026 NCD 7.91% AAA (ICRA, NSDL record 2024) 2026-11-27 — —
INE667F07IZ4 Sundaram Home Finance 7.70% Mar 2027 NCD 7.70% AAA (ICRA, NSDL record 2025) 2027-03-26 — —
INE667F07JA5 Sundaram Home Finance 7.27% May 2027 NCD 7.27% AAA (ICRA, NSDL record 2025) 2027-05-24 8.16% 2026-11-06
INE667F07IV3 Sundaram Home Finance 7.90% Sep 2027 NCD 7.90% AAA (ICRA, NSDL record 2024) 2027-09-24 — —
INE667F07IG4 Sundaram Home Finance Oct 2027 NCD — AAA (ICRA, NSDL record 2022) 2027-10-27 — 2026-09-30
INE667F07II0 Sundaram Home Finance Dec 2027 NCD — AAA (ICRA, NSDL record 2022) 2027-12-08 — 2026-09-09
INE667F07IY7 Sundaram Home Finance 7.78% Feb 2028 NCD 7.78% AAA (ICRA, NSDL record 2024) 2028-02-02 — —
INE667F07JB3 Sundaram Home Finance 7.15% May 2028 NCD 7.15% AAA (ICRA, NSDL record 2025) 2028-05-16 — 2026-09-28
INE667F07JF4 Sundaram Home Finance 6.98% Nov 2028 NCD 6.98% AAA (ICRA, NSDL record 2025) 2028-11-21 — —
INE667F07IS9 Sundaram Home Finance 8.05% Jun 2029 NCD 8.05% AAA (ICRA, NSDL record 2024) 2029-06-12 — —
INE667F07IW1 Sundaram Home Finance 7.65% Oct 2029 NCD 7.65% AAA (ICRA, NSDL record 2024) 2029-10-29 — —
INE667F07IX9 Sundaram Home Finance 7.70% Dec 2029 NCD 7.70% AAA (ICRA, NSDL record 2024) 2029-12-21 — —
IN8667F07013 Sundaram Home Finance 7.70% Dec 2029 NCD 7.70% — 2029-12-21 — —
INE667F07JC1 Sundaram Home Finance 7.15% May 2030 NCD 7.15% AAA (CRISIL) 2030-05-27 — —
INE667F07JD9 Sundaram Home Finance 7.17% Jun 2030 NCD 7.17% AAA (CRISIL, NSDL record 2025) 2030-06-25 — —
INE667F07JE7 Sundaram Home Finance 7.12% Aug 2030 NCD 7.12% AAA (CRISIL) 2030-08-01 — —
INE667F07JG2 Sundaram Home Finance 7.96% May 2031 NCD 7.96% AAA (CRISIL, NSDL record 2026) 2031-05-19 — —
INE667F07JH0 Sundaram Home Finance 7.81% Aug 2031 NCD 7.81% — 2031-08-14 — 2026-10-01
INE667F07JI8 Sundaram Home Finance 8.09% Sep 2031 NCD 8.09% — 2031-09-11 — —
INE667F07JJ6 Sundaram Home Finance 8.20% Sep 2031 NCD 8.20% — 2031-09-30 — —
INE667F08194 Sundaram Home Finance 8.93% Sep 2033 NCD 8.93% AA+ (CRISIL, NSDL record 2022) 2033-09-07 — —
INE667F07IR1 Sundaram Home Finance 7.95% Mar 2034 NCD 7.95% AAA (ICRA, NSDL record 2024) 2034-03-28 — —
INE667F08202 Sundaram Home Finance 7.70% Mar 2036 NCD 7.70% AAA (CRISIL) 2036-03-06 — —
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)
1
Avg. Yield (Last 30 Days)
8.16%
06 Payment Disclosures (SEBI Reg52(4)) 4 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
29 Oct 2026 7.65% SECURED RATED LISTED... Interest ₹22,95,00,000.00 ₹22,95,00,000.00 Paid XBRL →
26 Sep 2026 7.9% SECURED RATED LISTED REDEEMABLE... Interest ₹27,65,00,000.00 ₹27,65,00,000.00 Paid XBRL →
7 Sep 2026 8.93% UNSECURED LISTED RATED... Interest ₹44,65,00,000.00 ₹44,65,00,000.00 Paid XBRL →
1 Aug 2026 7.12% SECURED RATED LISTED... Interest ₹28,48,00,000.00 ₹28,48,00,000.00 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) 19 2026-06-28
Rating Actions History 2 2026-10-06
Secondary-Market Trades 9 2026-11-06
Reg52(4) Payment Disclosures 4 2026-10-29

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

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Frequently Asked Questions
How many active bonds does Sundaram Home Finance Limited have?

Sundaram Home Finance Limited currently has 23 active bonds with coupons of 6.98% - 8.93%, maturities spanning 2026 - 2036.

What is Sundaram Home Finance Limited's credit rating?

The most common current rating on Sundaram Home Finance Limited's senior bonds is AAA (CRISIL). Ratings on file come from CRISIL.

Are Sundaram Home Finance Limited's bonds secured?

Of the 23 bonds with a disclosed security status, 21 are secured (91%) and 2 are unsecured.

When do Sundaram Home Finance Limited's bonds mature?

Sundaram Home Finance Limited's active bonds mature between 2026 - 2036; the nearest matures in Nov 2026; the average tenure is 3.2 Yrs.

What is the average coupon on Sundaram Home Finance Limited's bonds?

The average coupon across Sundaram Home Finance Limited's 23 active bonds is 7.71%.

Disclaimer: This page aggregates publicly available data about Sundaram Home 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.