Credila Financial Services Limited is an RBI-registered non-deposit taking NBFC focusing on originating, funding, and servicing education loans, backed by EQT and ChrysCapital.
Debenture trustee
IDBI Trusteeship Services Limited
Issuance date
15 Dec 2025
Key terms
Backed by strong parentage of global investment firm EQT and ChrysCapital, ensuring capital support.
Leading market position in the niche education loans segment with strong portfolio growth.
Stable profitability trajectory with healthy net interest margins and low credit cost.
Superior liquidity profile with adequate cash balances and unutilised bank lines.
Returns & Cashflow
Units
1
Yearly Interest PayoutPrincipal Paid at Maturity
₹1,04,830.14Principal Invested
₹16,740Interest earned
₹1,16,740Final Payout
Interest Payout Schedule
Interest payout schedule for selected units, with payout date, interest amount, and principal amount.
Payout Date
Interest (₹)
Principal (₹)
15 Mar 2027
₹8,370
--
15 Mar 2028
₹8,370
₹1,00,000
Total
₹16,740
₹1,00,000
Sign up to view detailed payout schedule
ComfortableAsset quality
19.88%Capital adequacy
4.3xDebt/Equity
Overseas Focus — US (52%), UK (18%)Geographic
0.23%GNPA
₹9,316.4 CrNet worth
0.11%NNPA
₹989.96 CrPAT
63.96%Promoter holding
Financial Trend
YoY +7.2% ↑
Sign up to view Issuer at a glance
Issuer and structure highlights
Strengthening Capitalisation
Significant equity infusion from EQT and ChrysCapital strengthening the overall capital base.
Strong Parent Support
Expectation of strong ongoing support and in distress from majority shareholder, EQT.
Leading Market Position
Market leader in the niche overseas education loan segment with sustained growth.
Superior Liquidity
Adequate cash balance and unutilised lines available for debt obligations.
Key Risks
Unseasoned Loan Book
Asset quality needs to be monitored given high portfolio growth and limited seasoning of loans.
High Moratorium Proportion
A large portion of the loan book remains under moratorium, delaying assessment of repayment behavior.
Fraud & Misrepresentation Risk
Highlights of suspected fraud cases using misrepresented documents requires stronger internal controls.
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.
CRISIL AA+/Stable rating reaffirmedBacked by EQT and ChrysCapitalMarket leader in overseas education loans
AA+/ StableMay 2025
Rating rationale summary
CRISIL AA+/Stable rating reflects Credila's strong capital position with substantial equity infusion from EQT and ChrysCapital, leading market position in education loans, and stable profitability.
Summary points
Strong capital position supported by EQT and ChrysCapital.
Leading market position in the education loan segment.
Stable profitability with healthy net interest margins.
Asset quality remains a monitorable amid high portfolio growth.
Rating history timeline
Jan 2023
CRISIL AAA/Stable rating reaffirmed
Jul 2023
Placed on Watch Negative due to stake sale
Feb 2024
Downgraded to AA+/Stable post acquisition
May 2025
CRISIL AA+/Stable rating reaffirmed
Outlook implications
The Stable outlook reflects CRISIL's expectation that Credila will maintain healthy capitalisation, sustain growth momentum, and benefit from strong parent support from EQT.
Implications for investors
Investors benefit from the strong expectation of support from ultimate parents EQT and ChrysCapital, ensuring business stability.
Superior liquidity profile mitigates near-term debt repayment risks.
A large proportion of the loan book remains under moratorium, which requires investors to monitor asset quality seasoning over time.
Watch for: Asset quality performance given high growth and loan portfolio seasoning, and changes in EQT support.
Rating Drivers
Capitalisation
Positive
Strong equity infusion
Parent Support
Positive
Strong support from EQT
Market Position
Positive
Leader in education loans
Asset Quality
Monitored
High portfolio growth
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
Market leader in the overseas education loans segment.
Non Banking Finance Corp. Education Loans Backed by EQTStrong parentage and consistent equity infusions provide a significant capital buffer and stable growth trajectory.
Sign up to view Credit Rating Intelligence
Invest
Selected investment units: 1
Trade & Settlement
Settlement date
15 Oct 2026
Orders placed after 4 PM will be executed on the next business day. Weekends and exchange holidays are skipped.
Totals (For Selected Units)
Price per Unit
₹1,04,830.14
Investment amount
₹1,04,830.14
Total Interest
₹16,740
Total Receivable
₹1,16,740
Regulatory Assurance Panel
Credit Rating
Key Information Document
Sign up to view Regulatory Assurance Panel
Blogs
Stay informed with the latest articles, news, and resources across finance, fixed income and investing.