NIDO Home Finance Limited (formerly Edelweiss Housing Finance Limited) announced the non-convertible Debenture (NCD) issue in June 2025. This public issue aims to raise 150 crores and offers attractive interest rates up to 10.75% per year. With a wide range of tenure options and monthly/annual interest payments, investors may find this NCD a good opportunity. This article provides a comprehensive review of the June 2025 issue of the NIDO Home Finance NCD issue, including company background, NCD details, finance, risk and investments.
About Nido Home Finance Limited
Founded in 2008, NIDO Home Finance Limited is a non-depositor housing finance company. Provides mortgages, construction loans and loan credits on property. The company is part of the Edelweiss Group, one of India’s leading financial services conglomerates.
NIDO Home Finance operates in 67 branches across India and has 702 employees. It received several awards in 2023 for its analytics and risk management excellence, focusing on data-driven lending and operational efficiency.
Details of NCD publication – June 2025
- Issuance start date: June 17, 2025
- Deadline Issued: June 30, 2025
- Problem size (base + oversubscription): £150 crore
- Face value: 1,000 pounds per NCD
- Minimum investment: £10,000 (10 ncds)
- list: BSE
- Assignment Base: First come and first serve
- Debenture Trustee: Beacon Tristeeship Limited
NCD coupon rates and tenure
| series | Tenure period | Interest payment | Coupon rate (PA) | Effective Yield (PA) |
|---|---|---|---|---|
| I | 24 months | Year | 9.25% | 9.25% |
| iii | 36 months | monthly | 9.57% | 10.00% |
| IV | 36 months | Year | 10.00% | 9.99% |
| vi | 60 months | monthly | 9.85% | 10.30% |
| vii | 60 months | Year | 10.30% | 10.29% |
| ix | 120 months | monthly | 10.25% | 10.74% |
| x | 120 months | Year | 10.75% | 10.74% |
Credit rating
- Rating rating: Christil + (Stable)
These assessments suggest that this device is considered to have adequate safety with low credit risk.
Object in question
The revenue from the NCD problem is used for:
- Subsequent loan and financing activities
- Head of interest repayment/prepayment and existing borrowing
- General business purposes
Company finances
| The period has ended | Revenue (£cr) | pat (£cr) | Assets (£cr) |
|---|---|---|---|
| March 2023 | 444.69 | 16.30 | 3,786.24 |
| March 2024 | 464.84 | 19.25 | 3,764.95 |
| March 2025 | 520.63 | 18.43 | 4,051.62 |
Revenues rose 12% in 2023, while profits fell slightly by 4%. Assets show consistent growth, reflecting the expansion of the business.
Why invest in NIDO Home Finance NCD in June 2025?
- Attractive Interest Rates: Coupon rates up to 10.75% are higher than most fixed deposits.
- Multiple Holding Options: Investors can choose between 24-120 months based on their needs.
- Monthly/annual payment: The option to receive monthly income is perfect for retirees or those looking for regular cash flow.
- Safe NCD: These NCDs are supported by assets and provide cushioning in default cases.
- The first serve comes: Early applicants have a better chance of assignment.
Why not invest?
- Interest Rate Risk: If interest rates rise in the future, the current NCD may seem unattractive.
- Liquidity risk: Although NCDs are listed, secondary market transactions may be limited.
- Decrease in company profits: A slight drop in profits could indicate margin pressure.
How to apply it?
- You can apply for these NCDs through your Demat account using platforms such as Zerodha, Upstox, and Icicidirect.
- Make sure your KYC is updated and sufficient funds are available.
- Select the appropriate series based on your preferred payment frequency and tenure.
Should I invest in NIDO Home Finance NCD in June 2025?
NIDO Home Finance NCD offers attractive interest rates for ten years of tenure, serving both short-term and long-term investors. It is secured in nature and backed by a well-reputed group, providing reasonable safety cushions. Investors should not forget that previous NBFCs delay repayment of capital and profits and take significant risks.
Investors who can take gradual risks and are looking for a higher bond return than bank FDS may consider investing in this NCD problem. Conservative investors or those worried about the quality of their credit may skip it.
FAQ
- What is the interest rate offered by NIDO Home Finance NCD in June 2025?
Interest rates range from 9.25% to 10.75%, depending on your tenure and interest payment options. - Is this NCD problem secured or not protected?
This is a safe NCD problem backed by the company’s assets. - What is NCD’s credit rating?
Crisil rated it A+ (stable). - Who can apply for this NCD?
All residents, HNIS, NRIS (non-relative basis), corporations, and trusts are applicable. - How is interest paid to investors?
Interest can be paid monthly or annually, depending on the series selected. - How is the allocation done?
Allocation is made on a first come first served basis. - Can I sell these NCDs before maturity?
Yes, they are listed on BSE, but liquidity may be limited.
This review is for informational purposes only. Investors should read the NCD prospectus and consult with a financial advisor before investing.
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