KEERTANA FINSERV LIMITED

ISIN: INE0NES07329

YTM Icon13.50%
YTM
₹ 9,888.47
Min Investment
Monthly
Payout
₹ 10,000
Face Value
12.00%
Coupon
22 Sep 2027
Maturity Date
Currently subscribedLot Size : 50 Units available
0% Completed

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About The Issuer

Keertana Finserv is an NBFC engaged in secured retail lending—primarily gold loans, LAP and MSME loans. The company was a dormant NBFC named Rajshree Tracom until March 2022; it was acquired by new promoters led by Padmaja Reddy (former MD of Spandana Sphoorty) and relaunched as Keertana. In April 2022, it acquired Spandana Mutual Benefit Trust’s gold‑loan business and an MSME portfolio

Metric
FY25
AUM (₹ cr)
3,689 Jan 2026
Net worth (₹ cr)
784
Gearing (×)
3.3
Debt/EBITDA (×)
1.34 (FY25)
90 + dpd (%)
0.79 (FY25)
Capital Adequacy (CRAR)
24-26%
PAT (₹ cr)
65.9 crore
Revenue (₹ cr)
564
Net Interest Margin
10.5%
Gross NPA
1.55%
Net NPA
0.62%
💡Issuer Health Summary

Key financial indicators to assess stability & repayment capacity.

Key Risks & Disclosures

Geographic Concentration Risk:The issuer’s operations are geographically concentrated, with Andhra Pradesh contributing approximately 83% of its AUM, exposing it to regional economic and regulatory risks.
Asset Quality Risk:Asset quality has experienced pressure due to stress in the JLG segment, with Stage-II assets rising and increased write-offs in FY2025
Collateral Concentration Risk:The portfolio is highly concentrated in gold loans, making earnings sensitive to gold price volatility and regulatory changes in the gold loan segment.
Funding and Refinancing Risk:A significant portion of borrowings is through NCDs, exposing the issuer to refinancing and interest rate risks.

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Trade & Settlement

Trade date
14 May 2026
Orders placed after 4 PM will be executed on the next business day.Weekends & exchange holidays are skipped.

Totals (For Selected Units)

Price per Unit
₹9,888.47
Investment amount
₹9,888.47
Total Interest
₹1,502.55
Total Receivable
₹11,502.55

Download Diligence Documents

Rating Rationale and LetterDownload
Debenture Trustee Appointment AgreementDownload
GENERAL INFORMATION DOCUMENTDownload
KEY INFORMATION DOCUMENTDownload
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