Cholamandalam Investment and Finance Company 8.6% Jan '29
NBFC · ISIN INE121A07RV3
AA+
Lowest of 3 ratings
ICRA, 28 Oct 2026
- Time left
- 2 years 2 months
- to 31 Jan 2029
- Coupon
- 8.6% a year
- Interest paid
- Once a year
- Principal back
- All at maturity
- Face value
- ₹1,000
- Security
- Secured · Senior
Information, not advice. BasketLens doesn't sell bonds and takes no referral money.
What it pays
of face value
- Interest to maturity
- ₹25,800
- Principal back on 31 Jan 2029
- ₹1,00,000
- Total
- ₹1,25,800
Our arithmetic from the issuer’s terms, before tax, if every payment is made on time. Face value isn’t what you’d pay: on the exchange a bond costs more or less than that.
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Upcoming payments
2027
31 January 2027Interest₹8,6002028
31 January 2028Interest₹8,6002029
31 January 2029Interest and principal₹1,08,600
on ₹1,00,000 of face value
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About Cholamandalam Investment and Finance Company
Cholamandalam Investment and Finance Company Limited is a non-bank lender (NBFC), part of Cholamandalam Financial Holdings Limited 43.48%. Its figures to Sep 2026: capital adequacy 20.62%, gross bad loans 4.44%.
Figures to Sep 2026
- Capital adequacy (CRAR)regulatory minimum 15% (RBI's scale-based regulation for NBFCs)20.62%Sep 2026
- Gearing (borrowings ÷ net worth)6.72xSep 2026
- Bad loans, gross (GNPA / Stage 3)4.44%Sep 2026
- Bad loans, net (NNPA)2.92%Sep 2026
- Return on assets (ROA)2.5%Sep 2026
- Loan book (AUM)₹2,68,009 crSep 2026
- Loan book growth25%Sep 2026
Earlier ratings
- 2 Jan 2024 · ICRA AA+
No rating changes or regulator actions in the filings we read, to Sep 2026.
Other details
- ISIN
- INE121A07RV3
- Issuer type
- NBFC
- Matures
- 31 Jan 2029
- Interest from
- 31 Jan 2024
- Call or put
- —
- Issue
- Public issue
- Listed
- NSE and BSE
- Debenture trustee
- —
- RBI layer
- —
- Ratings
- ICRA AA+ · CARE AA+ · India Ratings AA+
— not in the filings we read
Documents
- Offer documentaccessed 9 Nov 2026
- Cholamandalam Investment and Finance Company's filing with NSEaccessed 9 Nov 2026
- Cholamandalam Investment and Finance Company's filing with BSEaccessed 9 Nov 2026
Published 11 Nov 2026 · company figures to Sep 2026 · ratings as at 28 Oct 2026