Credila Financial Services Limited
Credila Financial Services Limited is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 8.35%.
Data as of 20 Oct 2026
How this yield compares
About this bond
Credila Financial Services Limited is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 8.35%. It pays a coupon of 8.37% and matures on 15 Mar 2028, a remaining tenure of about 1.4 yr. It is rated AA+, a very high credit-safety grade. EquiRize lists this bond with a minimum investment of ₹1.0L.
Its 8.35% yield is solid for its risk band, toward the lower end at 282nd of 319 Corporate bonds. That trails the Corporate median of 10.50% by 2.15 points, so the trade-off is lower yield for whatever else this issuer offers. A comparable SBI fixed deposit yields about 6.50%, so this bond adds roughly 1.85 points for taking on credit risk. Its short 1.4 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its very high safety (AA+) rating, that leans toward the safety-first end. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at Capri Global Capital (INE180C08013) at 10.1%, Capri Global Capital (INE180C07213) at 9.3% and Capri Global (INE180C07296) at 9.1%.
About Credila Financial Services
Credila Financial Services Limited is an education-loan specialist incorporated in February 2006 and formerly known as HDFC Credila. It originates, funds and services loans for students, predominantly those going abroad to study. HDFC sold control in March 2024 and the company is now majority owned by EQT with 72% and ChrysCapital with 18%, with HDFC Bank retaining the balance. Assets under management grew from Rs 41,710 crore in March 2025 to Rs 50,386 crore by December 2025, and profit after tax was Rs 990 crore in FY25. Asset quality is the standout figure: gross NPA of 0.26%, among the lowest of any issuer on this site, reflecting a book of co-signed loans to students at selective institutions.
Bond details
What you keep after tax
Interest on a listed corporate bond is added to your income and taxed at your slab, so the 8.35% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.4 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 8.35% | ₹1,11,896 |
| 5% slab | 7.93% | ₹1,11,292 |
| 20% slab | 6.68% | ₹1,09,486 |
| 30% slab | 5.84% | ₹1,08,287 |
At a 8.37% coupon, ₹1,00,000 of face value pays about ₹8,370 of interest a year, under the ₹10,000 Section 193 threshold, so no TDS is withheld.
Slab rates only - surcharge and cess are not included, and the figures assume you hold to maturity. Sold on the exchange after 12 months instead, the gain is taxed as long-term capital gains at 12.5%. Not tax advice.
Against a fixed deposit, in rupees
Same ₹1,00,000, same 1.4 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.50%.
Bond figure compounds the yield annually; the FD compounds quarterly, as a cumulative bank FD does. Both are pre-tax and assume the bond is held to maturity and the issuer pays in full - the AA+ credit risk is the reason for the gap.
