10.75% NIDO Home Finance NCD
Know Everything about NIDO Home Finance NCD
Nido Home Finance Limited (formerly known as Edelweiss Housing Finance Limited), a part of the Edelweiss Group, is a Housing Finance Company that has been providing access to credit to customers for various kinds of loans since 2010. Nido Home Finance (NHFL) is 100% subsidiary of EFSL.
Edelweiss Group at a glance
- Net worth : ~INR 6,046 cr
- liquidity : ~ INR 3,300 cr
- Q3FY24 PAT(Ex-Insurance): INR 153 cr
Business model – focused on affordable housing:
- What: Small ticket home loans with an avg. loan size of ~25 lacs
- Where: In BHARAT - tier 2 & 3 towns with high margins
- How: Co lending with SBI and SCB. Asset light model
Growth in co-lending - 80% book is under co lending model with Banks like SBI, BOB and SCB etc. Strong backing and credit lines at subsidized rates from marquee PSU banks and financial institutions like
- SBI – 250 cr
- IOB – 75 cr
- National housing board (NHB) – 25 cr
External validation of loan quality via securitization and co-lending. Strong collateral (house property assets) and high recovery visibility due to SARFAESI act.
Key Financials:
- Collection efficiency for the quarter at 98.7%
- GNPA at 2.24%
- Net NPA is 1.61%
- The NIM is in the range of 4%
| Title | Details |
|---|---|
| Issue opens | Thursday, June 13, 2024 |
| Issue closes | Thursday, June 27, 2024 |
| Allotment | First Come First Serve Basis |
| Face Value | Rs.1,000 per NCD |
| Issue Price | Rs.1,000 per NCD |
| Nature of Instrument | Secured Redeemable Non-Convertible Debentures |
| Minimum Application | 10 NCDs (Rs.10, 000) & in multiple of 1 NCD thereafter |
| Tenure | 24, 36, 60, and 120 Months |
| Interest Payment frequency | Monthly, Annually, and Cummulative |
| Listing | BSE |
| Rating | ICRA A+, CRISIL A+/Stable |
Capital amortization options in Current NCD issue
- 5-year NCD – 50% in Year 4 and 50% in year 5
- 10 Year NCD – 20% from Year 6 to 10
Get 0.20% extra across all tenures if Edelweiss shares are bought on or before – 23rd Feb, 2024
Attractive Interest Rates
2Y: 9.50%, 3Y : 10%, 5Y: 10.50% and 10Y : 10.75%
NCD closes on June 27, 2024.
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