Vivriti Finance Limited — Bonds & A+ (ICRA) Rating

Nbfc · Financial Services

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Methodology v1.0 Download Report (PDF)
Latest Rating
A+ (ICRA)
Total Debt Outstanding
₹2,158 Cr
Across 29 instruments
Listed Bonds
29
First Issue
2024-09-27
Latest Issue
2026-09-18
Maturity Range
2026 - 2032
Observation
29 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
2024-09-27
Start of this issuer's debt program timeline
  • 29 active bonds tracked from this issuer.
  • 21 of 21 tracked bonds with a stated security status are secured. (based on 21 bonds with a disclosed security status)
  • Most recent rating action: reaffirm by CRISIL on 2026-09-24.

Operating in the financial services sector, Vivriti Finance Limited is classified as an NBFC. Bond coupons here span 8.30% - 10.66%, paid quarterly. The maturity ladder spans 2026 - 2032.

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
29
Tracked by RetailBonds
Amount Tracked
₹2,158 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 16 of 29 bonds)
Avg Coupon
9.61%
Range 8.30% - 10.66%
Avg Remaining Tenure
1.4 Yrs
Nearest maturity 2026-09
Secured
100%
21 of 21 bonds with known status
Callable
0
Of 29 bonds
Avg Spread vs G-Sec
+401 bps
Credit premium (indicative)

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (10 bonds).

0 2026: 6 bonds, ₹503 Cr tracked, avg coupon 9.83% 6 bonds 2026 2027: 10 bonds, ₹863 Cr tracked, avg coupon 9.70% 10 bonds 2027 2028: 10 bonds, ₹592 Cr tracked, avg coupon 9.58% 10 bonds 2028 2029: 1 bond, avg coupon 9.90% 1 bond 2029 2031: 1 bond, ₹200 Cr tracked, avg coupon 8.74% 1 bond 2031 2032: 1 bond, avg coupon 8.30% 1 bond 2032

Security Type / Instrument Mix

  • NCD 29 bonds · 100% · ₹2,158 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2024: ₹434 Cr issued 2024 2025: ₹1,523 Cr issued 2025 2026: ₹200 Cr issued 2026 Cumulative: ₹434 Cr Cumulative: ₹1,958 Cr Cumulative: ₹2,158 Cr

Based on 16 of 29 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

03 Credit Profile
  • AA 1 bonds · 3%
  • A 14 bonds · 48%
  • Unrated 14 bonds · 48%
AgencyRatingOutlookBonds
CARE A Stable 5
CARE A — 3
ICRA A+ — 2
CARE A Positive 1
CRISIL A Stable 1
CRISIL AA — 1
ICRA A — 1
ICRA A Stable 1

Rating History (Trend)

AAA AA A BBB Below BBB Unrated CRISIL: A on 2026-07-16 CRISIL: A on 2026-08-19 CRISIL: A on 2026-09-24
Jul 26 — Sep 26 CRISIL

Recent Rating Actions

2026-09-24 · CRISIL
A+
Reaffirmed · Positive
2026-08-19 · CRISIL
A+
Initial · Positive
2026-07-16 · CRISIL
A+
Initial · Positive
04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade
INE01HV07494 VCL-10.6632%-27-9-26-PVT 10.66% A (ICRA) 2026-09-27 — —
INE01HV07585 VCL-10.10%-30-10-26-PVT 10.10% A (CARE) 2026-10-30 — —
INE01HV07619 VCL-9%-04-11-26-PVT 9.00% A (CARE) 2026-11-04 9.10% 2026-07-06
IN801HV07073 9% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A DATE OF MATURITY 04/11/2026 9.00% — 2026-11-04 — —
INE01HV07528 VCL-10.11%-23-12-26-PVT 10.11% A (ICRA) 2026-12-23 9.75% 2026-09-24
IN801HV07057 10.11% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES SERIES II DATE OF MATURITY 23/12/2026 10.11% — 2026-12-23 — —
INE01HV07551 VCL-9.86%-06-01-27-PVT 9.86% A (CARE) 2027-01-06 9.80% 2026-09-25
INE01HV07569 VCL-9.65%-5-2-27-PVT 9.65% A (CARE) 2027-02-05 9.95% 2026-09-18
INE01HV07536 VCL-9.86%-16-4-27-PVT 9.86% A (CRISIL) 2027-04-16 8.70% 2026-09-22
INE01HV07601 VCL-10.10%-19-08-27-PVT 10.10% A (CARE) 2027-08-19 10.35% 2026-09-25
IN801HV07065 10.10% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE DATE OF MATURITY 19/08/2027 10.10% — 2027-08-19 — —
INE0P1407026 9.70% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A DATE OF MATURITY 29/10/2027 9.70% A+ (ICRA) 2027-10-29 9.59% 2026-09-25
IN80P1407017 9.70% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES A DATE OF MATURITY 29/10/2027 9.70% — 2027-10-29 — —
INE01HV07627 VCL-9.15%-04-11-27-PVT 9.15% A (CARE) 2027-11-04 9.87% 2026-09-25
IN801HV07081 9.15% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B DATE OF MATURITY 04/11/2027 9.15% — 2027-11-04 — —
INE0P1407083 9.7% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE SERIES A DATE OF MATURITY 17/12/2027 9.70% — 2027-12-17 10.00% 2026-09-25
INE0P1407059 9.35% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE SERIES A DATE OF MATURITY 10/03/2028 9.35% — 2028-03-10 — —
INE01HV07635 VCL-9.25%-04-05-28-PVT 9.25% A (CARE) 2028-05-04 10.40% 2026-09-25
IN801HV07099 9.25% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES C DATE OF MATURITY 04/05/2028 9.25% — 2028-05-04 — —
INE01HV07577 VCL-9.3%-23-6-28-PVT 9.30% A (CARE) 2028-06-23 10.53% 2026-07-22
INE01HV07593 VCL-10%-04-07-28-PVT 10.00% A (CARE) 2028-07-04 10.00% 2026-09-18
INE0P1407018 9.90% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B DATE OF MATURITY 28/07/2028 9.90% A+ (ICRA) 2028-07-28 9.81% 2026-09-25
IN80P1407025 9.90% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES B DATE OF MATURITY 28/07/2028 9.90% — 2028-07-28 — —
INE0P1407075 9.9% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE SERIES B DATE OF MATURITY 18/08/2028 9.90% — 2028-08-18 10.33% 2026-09-25
INE0P1407067 9.5% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE SERIES B DATE OF MATURITY 08/09/2028 9.50% — 2028-09-08 9.82% 2026-09-25
INE01HV07502 9.46% SECURED UNRATED UNLISTED REDEEMABLE NON-CONVERTIBLE BOND. DATE OF MATURITY 18/11/2028. 9.46% — 2028-11-18 — —
INE0P1407034 9.9% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE DATE OF MATURITY 31/07/2029 9.90% — 2029-07-31 — —
INE01HV07544 VCL-8.74%-24-01-31-PVT 8.74% AA (CRISIL) 2031-01-24 — —
INE0P1407042 8.3% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE DATE OF MATURITY 18/06/2032 8.30% — 2032-06-18 — —
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)
124
Avg. Yield (Last 30 Days)
10.05%
06 Regulatory Filings
Credit Rating Rationale
07 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 15 2026-06-19
Rating Actions History 3 2026-09-24
Secondary-Market Trades 367 2026-09-25
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 Vivriti Finance Limited have?

Vivriti Finance Limited currently has 29 active bonds with coupons 8.30% - 10.66%, maturities spanning 2026 - 2032.

What is Vivriti Finance Limited's credit rating?

The most recent rating on Vivriti Finance Limited's bonds is A+ (ICRA), published by CARE, CRISIL, ICRA.

Are Vivriti Finance Limited's bonds secured?

Of the 21 bonds with a disclosed security status, 21 are secured (100%) and 0 are unsecured.

When do Vivriti Finance Limited's bonds mature?

Vivriti Finance Limited's active bonds mature between 2026 - 2032; the nearest matures in 2026-09; the average tenure is 1.4 Yrs.

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

The average coupon across Vivriti Finance Limited's 29 active bonds is 9.61%.

Disclaimer: This page aggregates publicly available data about Vivriti 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.