IIFL SAMASTA FINANCE LIMITED
ISIN: INE413U07442
10.70%YTM
₹ 9,736.66
Min Investment
Monthly
Payout
₹ 10,000
Face Value
9.25%
Coupon
24 Dec 2028
Maturity Date
Currently subscribedLot Size : 49 Units available
Interest Calculator
InterestMonthly
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About The Issuer
IIFL Samasta Finance Limited (formerly Samasta Microfinance Limited) is an NBFC-MFI providing micro-credit and small-ticket loans primarily to low-income women borrowers in rural and semi-urban India under the joint-liability group (JLG) model. The company is part of the IIFL Group, with IIFL Finance Limited as the majority promoter, providing strong financial and managerial support. Samasta focuses on financial inclusion, livelihood financing, and small business loans across multiple states, with expanding geographic presence.
Metric
FY25
AUM (₹ cr)
11,101
Net Worth (₹ cr)
~2,034
Gearing (×) (on-book)
~3.1–3.4
Gross NPA (%)
~4.7
Profit after Tax (₹ cr)
20
CAR (%)
~32.4%
Rating
AA- / Stable
Issuer Health Summary
Key financial indicators to assess stability & repayment capacity.
Key Risks & Disclosures
Unsecured Micro-credit Exposure:The portfolio remains heavily unsecured JLG microfinance loans, inherently susceptible to borrower stress and macro disruptions.
Asset-quality Pressure:Asset quality deteriorated through FY25 and FY26 with higher NPAs and 90+ dpd, leading to elevated credit costs and write-offs that materially impacted profitability.
Profitability Volatility:Profitability swung from strong earnings in FY24 to muted results in FY25 and a loss in 9M FY26, highlighting earnings cyclicality in the MFI business.
Geographic Concentration:High concentration persists in key states (e.g., Bihar, Tamil Nadu, Karnataka), exposing the company to regional socio-political and economic risks.
Funding & Liquidity:Borrowing mix includes banks, NCDs, PTCs and refinances. Liquidity is adequate with cash buffers and refinancing lines, supplemented by expected parental support from IIFL Finance.
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Trade & Settlement
10 Apr 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
₹9,736.66Investment amount
₹9,736.66Total Interest
₹2,468.38Total Receivable
₹12,468.38
