NIDO Home Finance Limited launched its protected NCD on March 13, 2025, offering interest rates of up to 11%. The company is a deposit employing an Indian HFC company. This article provides NIDO Home Finance NCD March 2025 Issuance details, interest rates, credit ratings, risks, and investments or avoidances must be made.
About Nido Home Finance Limited
NIDO Home Finance Limited is a non-deposit-acquisition housing finance company offering protected loan products, particularly small ticket loans in the affordable housing category.
This is part of the Edelweiss Group, India’s diverse and diverse financial services group. Previously known as Edelweiss Housing Finance Limited.
Loan Offering:
- Mortgages (salaries for property purchases/construction/renovation and collateral loans for self-employed people). These consisted of 56.97% (March 2023), 63.95% (March 2024), and 61.34% (June 2024) of the loan book.
- Non-mortgages (loans on property – LAP) were provided primarily to self-employed individuals against property collateral. Lease rental discounts are included if the lessee is a corporate entity.
- Construction finance (procurement to real estate developers for housing projects, protected by real estate collateral and related to construction progress).
NIDO Home Finance NCD – Details of March 2025 Questions
| Subscription opening date | 13-Mar-25 |
| Subscription Closure Date | 27-Mar-25 |
| Issuing a security name | Nido Home Finance Limited |
| Security type | Protected, redemptive, non-convertible bonds (safe NCDs) |
| Issuance size (base) | £75 crore |
| Issuance size (option to keep via subscription) | £75 crore |
| Total problem size | £100 crore |
| Issued price | £1,000 per bond |
| Face value | £1,000 per bond |
| series | I’m on x |
| Minimum lot size | There are 10 bonds and 1 bond |
| Tenure period | 24, 36, 60, 120 months |
| Interest payment frequency | Monthly or annually or mature |
| Listing | Within 6 business days of BSE |
| Lead Manager | Tipsons Consultancy Services Private Limited Nvama Wealth Management Limited |
| Debenture Trustee/s | Beacon Tristeeship Limited |
NIDO Home Finance NCD – March 2025 Interest Rates
| series | I | ii | iii | IV | v | vi | vii | viii | ix | x |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Frequency | Year | Cumulative | monthly | Year | Cumulative | monthly | Year | Cumulative | monthly | Year |
| Tenure (Month) | twenty four | twenty four | 36 | 36 | 36 | 60 | 60 | 60 | 120 | 120 |
| Coupon (percent of year) | 9.50% | Na | 9.58% | 10.00% | Na | 10.03% | 10.50% | Na | 10.49% | 11.00% |
| Effective Yield (percent of year) | 9.50% | 9.50% | 10.01% | 10.00% | 10.00% | 10.50% | 10.49% | 10.50% | 11.00% | 10.99% |
| Maturity amount (£). | 1,000.00 | 1,199.13 | 1,000.00 | 1,000.00 | 1,331.35 | 1,000* | 1,000* | 1,648.17 | 1,000 ** | 1,000 ** |
*Different repayments of £500 each from 4th anniversary to maturity
** Amazing rebates with an annual payment of £200 each from 6th anniversary to maturity
Credit rating
A sil rating has been assigned A+/Monitor Negative To this NCD problem. This demonstrates sufficient safety in timely financial obligation services, but also highlights potential risks.
Company financial performance
| year | Net profit (Crowl) |
| FY2021 | £3.72 |
| FY2022 | £13.8 |
| FY2023 | £16.06 |
| FY2024 | £19.3 |
Why invest in NIDO Home Finance NCD – March 2025?
Attractive interest rates – Investors can make money 11% per yearis significantly higher than most bank FDs.
Protected NCD – When the company is facing financial difficulties, investors will prioritize repayment.
Stable profit growth – The company has shown consistent profitability over the years.
Why not invest?
Regulatory risks -As an HFC, the company is subject to evolving regulations that could affect its business operations.
Dependence on capital availability – Disruptions in capital sources can affect their lending operations.
Real estate exposure – Recession in the Indian real estate sector can affect the company’s loan book and collateral value.
NBFC risk – Previous NBFC defaults (such as DHFL, IL and FS) serve as an investor’s attention.
Should I invest in NIDO Home Finance NCD in March 2025?
NIDO Home Finance’s protected NCD offers a high profit margin and is an attractive investment for those looking for better yields than traditional FDs. The company is consistently profitable, with protected NCDs reducing risk compared to unsecured options.
However, investors should consider risks related to NBFCs, such as credit rating concerns, liquidity risks, and regulatory changes. A+/Surveillance Negative Signals watch appropriate safety, but be careful to some extent.
If you are a high-risk investor looking for a higher return, this NCD issue is worth considering. However, if capital security is a priority, high profit FD or government-supported bonds could be a better alternative.
Read carefully before investing NIDO Home Finance NCD March 2025 Prospectus About the complete risk factors.
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