Indel Money Announces ₹300 Crore Secured NCD Issue: What Investors Should Know
Indel Money launches a ₹300 crore secured NCD issue offering up to 12.25% returns, providing investors with a stable and asset-backed income option.
Indel Money 
Indel Money Limited, a well-established NBFC in India, has rolled out its ₹300 crore secured Non-Convertible Debenture (NCD) public issue. This is the company’s sixth NCD launch, aimed at strengthening its lending operations and meeting repayment needs.
With interest rates going up to 12.25% per annum, this NCD issue has quickly become a talking point among fixed-income investors across India.
What Makes This NCD Issue Important?
Indel Money has been operating in the financial services sector for nearly four decades, with a strong reputation in gold loans, personal loans, and small-ticket credit.
This NCD issue helps the company expand its loan book while giving investors an option to earn high and predictable returns.
Key Details of the Indel Money NCD Issue
|
Feature |
Information |
|
Issue Size |
₹300 crore (includes Green Shoe option) |
|
Type |
Secured, redeemable NCDs |
|
Interest Rate |
Up to 12.25% p.a. |
|
Tenure Choices |
Multiple tenures suitable for different investor needs |
|
Minimum Investment |
₹10,000 |
|
Listing |
Proposed on BSE |
|
Security |
Backed by the company’s assets |
|
Use of Funds |
Lending expansion, working capital, repayments |
These factors highlight that the issue has been designed to attract both seasoned and first-time fixed-income investors.
Why Many Investors Are Considering It
1. High Interest Rates
The returns offered are among the most attractive in the secured NCD space right now, especially compared to traditional fixed deposits.
2. Secured Structure
Since the debentures are secured, the company’s assets act as security. This offers investors a higher comfort level.
3. Reliable Cash Flow
Investors who prefer steady income may find these NCDs useful due to the consistent payout schedule.
4. Track Record of Indel Money
The company has expanded steadily across major states including Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, and Maharashtra, building a trustworthy customer base.
5. Transparency and Regulation
Being a regulated NBFC, Indel Money follows strict compliance standards, adding to investor confidence.
Points to Think About Before Investing
Although secured NCDs offer better safety than unsecured instruments, investors must still consider:
-
The stability of the company’s financials
-
Credit rating and future outlook
-
Their own liquidity needs and risk appetite
It is always wise to review the offer document and seek professional guidance when needed.
Indel Money’s Growing Role in India’s Lending Sector
Indel Money has focused on building accessible credit solutions for individuals and small businesses. Its strong network and customer-centric approach have helped it achieve consistent growth in the NBFC segment.
This NCD issue is part of the company’s broader plan to expand lending operations responsibly while offering investors dependable return options.
Final Thoughts
Indel Money’s ₹300 crore secured NCD public issue is a notable opportunity for investors looking for stable income, asset-backed safety, and attractive interest rates.
With a long-standing presence in the financial sector and a secured NCD structure, the offer appeals to investors who prefer dependable income instruments over market-linked options.
As with any investment, ensure that the decision aligns with your financial goals and risk tolerance.
