₹9,956.72
Minimum investment
Currently subscribed 90 Units available
0% Sold
14.00% / +125 bps YTM vs coupon yield above stated coupon
99.148 / 99.5672 Clean / dirty price Excluding / including accrued interest
About the Issuer Best Capital Services Limited is an RBI-registered, non-deposit accepting NBFC incorporated in 1995. It provides mortgage and vehicle finance and is headquartered in Jaipur, Rajasthan.
Debenture trustee Catalyst Trusteeship Limited
Issuance date 31 Jul 2026 Key terms Senior secured NCDs with first-ranking charge over receivables. Infomerics BBB/Stable rating; adequate liquidity assessment. Staggered maturities from September 2027 to June 2029 Monthly Interest Payout Principal Paid Across Schedule
₹99,567.18 Principal Invested
₹30,294.2 Interest earned
₹1,30,294.2 Final Payout
Interest Payout Schedule Interest payout schedule for selected units, with payout date, interest amount, and principal amount. Payout Date Interest (₹) Principal (₹) 30 Oct 2026 ₹1,047.9 -- 30 Nov 2026 ₹1,082.9 -- 30 Dec 2026 ₹1,047.9 -- 30 Jan 2027 ₹1,082.9 -- 28 Feb 2027 ₹1,013 -- 30 Mar 2027 ₹1,047.9 -- 30 Apr 2027 ₹1,082.9 -- 30 May 2027 ₹1,047.9 --
Sign up to view detailed payout schedule ₹273.51 Cr AUM ₹81.87 Cr Net worth ₹4.7 Cr PAT 367.61 Total Assets 273.40 Secured AUM 33.93 CRAR 1.2% GNPA 1.08% NNPA Financial Trend AUM PAT Net NPA Product Mix Total Income Gross Npa % Product Composition
YoY +27.5% ↑
AUM chart. FY '24: ₹211.96 Cr, FY '25: ₹270.2 Cr
Sign up to view Issuer at a glance Capitalisation CRAR was 33.93% at December 2025, above the regulatory minimum.
Secured portfolio The entire loan book was secured; average MSME LTV was about 50%.
AUM growth FY25 AUM grew about 27% to 270.20 Cr and was 273.51 Cr at December 2025.
Asset quality GNPA and NNPA were 1.20% and 1.08% respectively at December 2025.
Experienced leadership Promoter-MD Arun Bagadia has over two decades of finance-industry experience.
State concentration Rajasthan represented about 67% of the loan portfolio at December 2025.
Moderate profitability FY25 cost-to-income was 77.05% and ROTA was 1.44%.
Portfolio seasoning Recent disbursements and longer loan tenors limit the observed performance history.
Low provision cover Provision coverage was about 10% at December 2025 versus 15% in FY25.
Competitive market The fragmented NBFC lending market includes varied-size and unorganised lenders.
Sign up to view Strengths & Risk Summarised from the issuer's disclosures and the rating rationale. Read the full offer document and rating rationale before investing.
IVR BBB/Stable Adequate liquidity Standalone approach Stable outlook
BBB/ Stable May 2026 Review Outlook implications Infomerics expects stable AUM growth, promoter capital infusion and improving profitability while maintaining capitalisation and asset quality.
Implications for investors
The Stable outlook indicates expected AUM growth and improving profitability while capitalisation and asset quality are maintained. A rating downgrade triggers a 0.50% annual coupon step-up per notch under the KID. Liquidity was assessed as adequate, with no negative cumulative ALM mismatch at December 2025. Rating Drivers FY 25 AUM grew about 27%
CRAR was 33.93% at Dec 2025
GNPA 1.20%; NNPA 1.08%
FY 25 ROTA was 1.44%
Rajasthan was about 67% of book
How this issuer compares to peers Benchmark yield, balance-sheet strength, and risk indicators against similar issuers to make the credit case easier to validate.
Where it stands out AUM is concentrated in mortgages and vehicle finance.
Mortgages were 69.72% and vehicle finance was 30.23% of AUM at December 2025. Sign up to view Credit Rating Intelligence '%3e%3cpath%20d='M1.13744%204.45441C2.07276%202.75506%203.51698%201.42683%205.24599%200.675791C6.97501%20-0.075246%208.89216%20-0.207091%2010.7%200.300715C12.5078%200.808521%2014.1051%201.92758%2015.2442%203.48427C16.3833%205.04095%2017.0005%206.94821%2016.9999%208.91012H13.9688C13.9688%207.38965%2013.3926%205.93146%2012.367%204.85633C11.3413%203.7812%209.95027%203.17719%208.4998%203.17719C7.04934%203.17719%205.65828%203.7812%204.63264%204.85633C3.60701%205.93146%203.03081%207.38965%203.03081%208.91012H-0.000198364C-0.00251579%207.3457%200.389969%205.80847%201.13744%204.45441Z'%20fill='white'/%3e%3cpath%20d='M5.76597%203.94606L4.24955%201.19271C5.54126%200.409112%207.00771%20-0.0023723%208.50012%201.02882e-05V3.17738C7.54001%203.17627%206.5967%203.44147%205.76597%203.94606Z'%20fill='%23F7B11E'/%3e%3cpath%20d='M11.2342%203.94573L12.7507%201.19238C14.0419%201.97611%2015.1147%203.10074%2015.8623%204.45427L13.2358%206.04388C12.7549%205.17322%2012.0648%204.44982%2011.2342%203.94573Z'%20fill='%23FDEB48'/%3e%3cpath%20d='M8.50016%203.1773V1.04666e-05C9.99256%20-0.00239267%2011.459%200.409064%2012.7507%201.19263L11.2343%203.9459C10.4036%203.44134%209.46027%203.17616%208.50016%203.1773Z'%20fill='%23FED137'/%3e%3cpath%20d='M3.76444%206.04388L1.13778%204.45427C1.88544%203.10072%202.95832%201.9761%204.24957%201.19238L5.76599%203.94565C4.93541%204.44976%204.24531%205.17319%203.76444%206.04388Z'%20fill='%23F26D24'/%3e%3cpath%20d='M3.03104%208.91079H0.000106812C-0.00221014%207.34637%200.390275%205.80914%201.13774%204.45508L3.76428%206.04469C3.28294%206.91551%203.02997%207.90434%203.03104%208.91079Z'%20fill='%23D72626'/%3e%3cpath%20d='M13.9691%208.90987C13.9702%207.9034%2013.7172%206.91455%2013.2359%206.04371L15.8624%204.4541C16.6099%205.80815%2017.0025%207.3454%2017.0002%208.90987H13.9691Z'%20fill='%2399C817'/%3e%3cpath%20d='M3.20317%205.72784C3.87557%204.50735%204.91284%203.55309%206.15457%203.01264C7.3963%202.47218%208.77331%202.37564%2010.0726%202.73795C11.372%203.10025%2012.5212%203.90122%2013.3427%205.01698C14.1641%206.13273%2014.612%207.50112%2014.6171%208.91051H13.9692C13.9692%207.39004%2013.393%205.93185%2012.3674%204.85672C11.3417%203.78158%209.95067%203.17758%208.5002%203.17758C7.04974%203.17758%205.65868%203.78158%204.63305%204.85672C3.60741%205.93185%203.03122%207.39004%203.03122%208.91051H2.38334C2.38592%207.79265%202.66863%206.69513%203.20317%205.72784Z'%20fill='%23919191'/%3e%3cpath%20d='M10.2819%201.93262L8.96282%209.02832L8.03969%208.76903L10.2819%201.93262Z'%20fill='%23303030'/%3e%3cpath%20d='M8.50008%209.99968C7.92545%209.99968%207.45963%209.51138%207.45963%208.90902C7.45963%208.30667%207.92545%207.81836%208.50008%207.81836C9.0747%207.81836%209.54053%208.30667%209.54053%208.90902C9.54053%209.51138%209.0747%209.99968%208.50008%209.99968Z'%20fill='%23303030'/%3e%3cpath%20d='M8.50002%209.68386C8.09169%209.68386%207.76067%209.33687%207.76067%208.90883C7.76067%208.48079%208.09169%208.13379%208.50002%208.13379C8.90836%208.13379%209.23938%208.48079%209.23938%208.90883C9.23938%209.33687%208.90836%209.68386%208.50002%209.68386Z'%20fill='white'/%3e%3cpath%20d='M8.50009%209.45298C8.21354%209.45298%207.98125%209.20948%207.98125%208.90911C7.98125%208.60874%208.21354%208.36523%208.50009%208.36523C8.78663%208.36523%209.01892%208.60874%209.01892%208.90911C9.01892%209.20948%208.78663%209.45298%208.50009%209.45298Z'%20fill='%23303030'/%3e%3cpath%20d='M15.8623%204.81191C15.1162%203.4572%2014.043%202.33224%2012.7507%201.5501C11.4583%200.767963%209.99238%200.3562%208.50011%200.3562C7.00785%200.3562%205.54187%200.767963%204.24953%201.5501C2.95719%202.33224%201.88402%203.4572%201.13789%204.81191C0.448343%206.06113%200.0603256%207.46801%200.00756454%208.91022H0.000123978C0.000123978%206.54708%200.895657%204.28073%202.48972%202.60974C4.08378%200.938753%206.24578%200%208.50012%200C10.7545%200%2012.9165%200.938753%2014.5105%202.60974C16.1046%204.28073%2017.0001%206.54708%2017.0001%208.91022H16.9927C16.9399%207.468%2016.5519%206.06113%2015.8623%204.81191Z'%20fill='white'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_2708_61450'%3e%3crect%20width='17'%20height='10'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
Senior Secured Bond
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