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IIFL Home Finance Ltd. NCD IPO

The allocation ratio for IIFL Home Finance Ltd. NCD IPO is determined as per SEBI norms and approved by SEBI. Post IPO subscription, applications are categorized, and allocation ratios are declared. Units are allotted based on this ratio. Check the chart for the detailed application ratio.

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IIFL Home Finance Ltd. NCD IPO

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  1. IIFL Home Finance Ltd. NCD IPO

  2. High Yield | AA/Stable | Minimum Investment: 10k Only • Bond overview • IIFL Home Finance Limited is issuing Non-Convertible Debentures (NCDs). • Rated “AA/Stable” by CRISIL and IND ratings. • Available in nine series with coupon rates ranging from 8.65% to 9.25% p.a. • Tenures: 24, 36, 60, and 84 months. • NCDs are secured and redeemable.

  3. Coupon Rates and Effective Yield • Detailed breakdown of coupon rates and yield for each series. • Emphasizes the high return potential compared to traditional fixed deposits.

  4. Allocation Ratio • Allocation ratio based on SEBI norms. • Applications divided into categories after IPO subscription closes. • Ratio declared and approved by SEBI before the IPO launch.

  5. Investment Process • For investments ≤ ₹10 lakhs: Retail investors can apply online. • For investments > ₹10 lakhs: Applications handled separately. • Invest via GoldenPi in just 3 steps.

  6. Financial Overview • Snapshot of Revenue, Expenses, Net Worth, and PAT (in crores). • Overview of cash flow: • Operating activities: products/services. • Investing activities: Cash from asset purchases or sales. • Financing activities: Insights stability. Cash from into financial

  7. Ratio Analysis • Comprehensive analysis of key financial ratios. • Helps investors assess performance and profitability.

  8. Issue Analysis • Pros ⚬Secured investment. ⚬High returns of up to 9.27% p.a., outperforming bank FDs. • Cons ⚬Negative cashflows noted as a potential risk factor. NCDs offer additional protection for

  9. Liquidity • Cash reserves and unutilized credit limits: • ₹4,595 crore in cash/cash equivalents. • ₹354 crore unutilized credit limit. • ₹713 crore undrawn bank limits (as of November 2024).

  10. About IIFL Home Finance Limited • Leading tech-driven housing finance company. • Focus on first-time home buyers in EWS and LIG segments. • Presence across Tier 1 to Tier 4 cities. • Over 4.1 lakh customers served as of June 30, 2024. • AUM of ₹37,089.39 crore as of September 30, 2024.

  11. Strengths of IIFL Home Finance • Focus on Affordable Housing: Targets EWS and LIG segments with a ₹0.15 crore average loan size. • Impressive Financial Performance: • AUM: ₹37,089.39 crore (September 2024). • Net profit FY24: ₹1,026.84 crore (29.92% increase). • Strong Digital Infrastructure: Fully digitized loan lifecycle. • Extensive Market Reach: 387 branches across 18 states and 2 union territories. • Low NPA: Gross NPA at 1.63% (Q2 FY25). • Strong Leadership and seasoned executives. • Innovative Financing Solutions: Includes business loans and affordable housing project loans. ⚬Advanced Risk Management: Robust credit appraisal process with in-house collection team. Governance: Managed by

  12. Weaknesses • Resource Concentration with Higher Costs: • 75% of on-book borrowings from banks/financial institutions. • Breakdown: • Term loans (46%). • Refinance (17%). • Short-term borrowings (2%). • External borrowings (9%).

  13. Investment in NCD IPOs • Invest online via GoldenPi in just 5 minutes. • Higher returns than traditional bank FDs.

  14. Thank you! To know more, visit: https://goldenpi.com/blog/investment-guide/ncd-ipo/iifl-home-finance-ltd-ncd-ipo-november-2024-shou ld-you-invest/

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