Namra Finance Limited
Bond Highlights
Yield to Maturity
11.04%
Balance Tenure
2 years
Rating
ACUITE A-
Interest Frequency
Quarterly
Coupon Rate
11.25% p.a
Maturity Date
11 Sep 2028
Type of Security
Senior Secured
Staggered Maturity
Yes
Projected Cashflow
Your Investment
₹100,876.71
Interest Payout
₹19,947.94
Total Payout
₹119,947.94
| Date | Interest | Face Value Repayment | Total Amount | TDS (INR) | Net Receivable After TDS (INR) | Remarks |
|---|---|---|---|---|---|---|
| 07 Sep 2026 | — | — | (₹100,876.71) | — | — | Investment Amount |
| 11 Dec 2026 | ₹2,804.79 | — | ₹2,804.79 | ₹280.47 | ₹2,524.31 | |
| 11 Mar 2027 | ₹2,773.97 | — | ₹2,773.97 | ₹277.39 | ₹2,496.57 | |
| 11 Jun 2027 | ₹2,827.87 | — | ₹2,827.87 | ₹282.78 | ₹2,545.08 | |
| 11 Sep 2027 | ₹2,827.87 | — | ₹2,827.87 | ₹282.78 | ₹2,545.08 | |
| 11 Dec 2027 | ₹2,797.13 | — | ₹2,797.13 | ₹279.71 | ₹2,517.41 | |
| 11 Mar 2028 | ₹2,797.13 | ₹30,000.00 | ₹32,797.12 | ₹279.71 | ₹32,517.41 | Redemption - 30% FV Redemption |
| 11 Jun 2028 | ₹1,984.93 | ₹30,000.00 | ₹31,984.93 | ₹198.49 | ₹31,786.43 | Redemption - 30% FV Redemption |
| 11 Sep 2028 | ₹1,134.25 | ₹40,000.00 | ₹41,134.25 | ₹113.42 | ₹41,020.82 | Maturity - Remaining 40% FV Redemption |
| Total | ₹19,947.93 | ₹100,000.00 | ₹119,947.94 | ₹1,994.79 | ₹117,953.14 |
Know This Issuer
Frequently Asked Questions (FAQs)
What Namra does?
Namra is an Microfinance arm and wholly-owned subsidiary of the listed Arman Financial Services Ltd (market cap ~₹1,438 Cr), a group
with 30+ years in lending. It extends joint-liability group loans to rural and semi-urban borrowers.
What are the Key features?
- Quarterly Income : 11.25% p.a. coupon credited every quarter.
- Staggered Maturity : Principal repaid in 3 tranches from Mar-28.
- Strong Parentage : Listed Arman group, 30+ years in lending.
- Well Capitalized : CRAR at 52.30%, gearing of 1.32 times.
What are my risks?
- Credit Risk - The bond is rated A- by Acuite, expressing a low risk of default
- Liquidity Risk - This product is listed on exchanges but might not be actively traded. For an exit prior to the maturity date, you may not be able to find a buyer
- Interest Rate Risk - There is an inverse relationship between interest rates and the price of a bond. If interest rates increase, the price of a bond may fall, and you may have to incur loses if you plan to sell the bond before the maturity date.
What additional details I need to know?
Pursuant to the provisions of Section 193 of the Income Tax Act, 1961, as amended, effective from 1st April 2023, TDS will be deducted at the rate of 10% (or such other rates as may be notified from time to time) on any interest payable on any security issued by a company other than securities issued by the Central Government or a State Government. The listing of products above: (a) should not be considered an advertisement, endorsement, or recommendation to invest. Please use your own discretion before you transact (b) at their given price or yield are subject to availability and market cut-off timings.
Note:
The listing of securities herein above shall not be considered as an advertisement, endorsement, recommendation to invest and/or offer for sale. Order(s) can be initiated on RFQ platform of the Stock Exchanges only during market hours. Settlement of the transactions is subject to acceptance of deal by counter-party and fulfillment of pay-in obligations by buyer and seller.
Namra Finance Limited
Bond Highlights
Yield to Maturity
11.04%
Balance Tenure
2 years
Rating
ACUITE A-
Interest Frequency
Quarterly
Coupon Rate
11.25% p.a
Maturity Date
11 Sep 2028
Type of Security
Senior Secured
Staggered Maturity
Yes
Investment Calculator
Mon, 07 Sep 2026
Face Value
₹100,000
Purchase Price
101.00
Accrued Interest
-₹123.29
Current Yield
11.14%
Yield to Maturity
11.04%
Settlement Amount
₹100,876.71
(Includes Accrued Interest)