Shriram Finance 9.03% Jul '28
NBFC · ISIN INE721A07NU1
AAA
Lowest of 3 ratings
CRISIL, 9 Apr 2026
- Time left
- 19 months
- to 12 Jul 2028
- Coupon
- 9.03% a year
- Interest paid
- Monthly
- Principal back
- All at maturity
- Face value
- ₹1,000
- Security
- Secured · Senior
1 probe or case, 1 management change, 2 RBI penalties in the last 36 months · see Events
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What it pays
- Interest to maturity
- ₹15,050
- Principal back on 12 Jul 2028
- ₹1,00,000
- Total
- ₹1,15,050
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.
Know your price? Work out the yield
Upcoming payments
- 12 December 2026Interest₹752.50
2027
12 January 2027Interest₹752.50- 12 February 2027Interest₹752.50
- 12 March 2027Interest₹752.50
on ₹1,00,000 of face value
See all 20 payments
- 12 December 2026Interest₹752.50
2027
12 January 2027Interest₹752.50- 12 February 2027Interest₹752.50
- 12 March 2027Interest₹752.50
- 12 April 2027Interest₹752.50
- 12 May 2027Interest₹752.50
- 12 June 2027Interest₹752.50
- 12 July 2027Interest₹752.50
- 12 August 2027Interest₹752.50
- 12 September 2027Interest₹752.50
- 12 October 2027Interest₹752.50
- 12 November 2027Interest₹752.50
- 12 December 2027Interest₹752.50
2028
12 January 2028Interest₹752.50- 12 February 2028Interest₹752.50
- 12 March 2028Interest₹752.50
- 12 April 2028Interest₹752.50
- 12 May 2028Interest₹752.50
- 12 June 2028Interest₹752.50
- 12 July 2028Interest and principal₹1,00,752.50
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About Shriram Finance
Shriram Finance Limited is a non-bank lender (NBFC). Its figures to Sep 2026: capital adequacy 33.24%, gross bad loans 4.65%.
Figures to Sep 2026
- Capital adequacy (CRAR)regulatory minimum 15% (RBI's scale-based regulation for NBFCs)33.24%Sep 2026
- Gearing (borrowings ÷ net worth)2.12xSep 2026
- Bad loans, gross (GNPA / Stage 3)4.65%Sep 2026
- Bad loans, net (NNPA)2.31%Sep 2026
- Return on assets (ROA)3.95%Sep 2026
- Loan book (AUM)₹3,29,021.72 crSep 2026
- Loan book growth16.96%Sep 2026
Events, last 36 months
- 29 Sep 2026
Probes and litigation (filed or ordered)
Income-tax penalty order ₹67.90 crore (AY 2009-10, s.271(1)(c)). Company to appeal.
Shriram Finance's filing with NSE
- 5 Dec 2025
CEO, MD or CFO changes
MD & CEO Y. S. Chakravarti completed tenure and ceased.
Shriram Finance's filing with NSE
- 8 Jul 2025
RBI penalties
RBI penalty of ₹2.7 lakh for non-compliance with RBI (Digital Lending) Directions, 2025: loan repayments routed through a third-party account.
RBI press release
- 10 Feb 2025
RBI penalties
RBI penalty of ₹5.8 lakh for non-compliance with KYC Directions, NBFC-SI Directions and CIC data-format directions.
RBI press release
Other details
- ISIN
- INE721A07NU1
- Issuer type
- NBFC
- Matures
- 12 Jul 2028
- Interest from
- 12 Jul 2018
- Call or put
- No call or put: it runs to maturity
- Issue
- Public issue
- Listed
- NSE and BSE
- Debenture trustee
- Catalyst Trusteeship Limited (formerly GDA Trusteeship Limited)
- RBI layer
- —
- Ratings
- CRISIL AAA · CARE AAA · India Ratings AAA
— not in the filings we read
Documents
- Offer documentaccessed 9 Nov 2026
- Shriram Finance's own disclosureaccessed 9 Nov 2026
- Shriram Finance's filing with NSEaccessed 9 Nov 2026
- RBI press releaseaccessed 9 Nov 2026
Published 11 Nov 2026 · company figures to Sep 2026 · ratings as at 10 Apr 2026
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