Credit Wise Bonds
3 bonds issued by Credit Wise, listed across Indian platforms, currently yielding 10.75%-11.25% YTM (average 11%), rated BBB. Compare YTM, coupon, tenure, credit rating and minimum investment before you invest.
About Credit Wise
Credit Wise Capital Private Limited is a Mumbai based non-deposit taking NBFC incorporated in 2018 that finances two-wheeler purchases through a digital, branchless lending model. The company was founded by Aalesh Avlani and operated across 10 states and 202 cities as of June 2025, with typical loan tenures of two to three years. Assets under management stood at Rs 628 crore as on 31 March 2025 and Rs 655 crore as on 30 September 2025. The company raised Rs 60 crore of equity in the June 2025 quarter, lifting standalone net worth to Rs 178 crore and reducing gearing to around 1.8 times. CRISIL Ratings reaffirmed its Crisil BBB rating with Stable outlook on the company's non-convertible debentures in October 2025, citing a strengthened capital base and comfortable asset quality, balanced against the small scale of operations and limited seasoning of the loan book.
- AUM
- Rs 628 crore
- Gross NPA
- 2.1%
- Capital adequacy
- 29.8%
- Net profit
- Rs 4.3 crore
Figures as of FY25 (31 Mar 2025). Rated by CRISIL. Source: rating rationale.
Frequently asked questions
Build your bond ladder in minutes.
Set an amount, pick a horizon - the planner spreads it across maturing bonds.
Plan your bond ladderWho is Credit Wise?
Credit Wise Capital Private Limited is a Mumbai based non-deposit taking NBFC incorporated in 2018 that finances two-wheeler purchases through a digital, branchless lending model. The company was founded by Aalesh Avlani and operated across 10 states and 202 cities as of June 2025, with typical loan tenures of two to three years. Assets under management stood at Rs 628 crore as on 31 March 2025 and Rs 655 crore as on 30 September 2025. The company raised Rs 60 crore of equity in the June 2025 quarter, lifting standalone net worth to Rs 178 crore and reducing gearing to around 1.8 times. CRISIL Ratings reaffirmed its Crisil BBB rating with Stable outlook on the company's non-convertible debentures in October 2025, citing a strengthened capital base and comfortable asset quality, balanced against the small scale of operations and limited seasoning of the loan book.
Is it safe to invest in Credit Wise bonds?
Credit Wise's listed bonds carry a BBB credit rating from CRISIL; as of FY25 (31 Mar 2025) the company reported AUM of Rs 628 crore, gross NPA of 2.1%, capital adequacy of 29.8% and net profit of Rs 4.3 crore. A credit rating measures the chance of default, not price stability, and corporate bonds are not covered by DICGC deposit insurance. Read the issuer's latest rating rationale before you invest.
What yield do Credit Wise bonds offer right now?
As of Oct 2026, the 3 listed Credit Wise bonds yield between 10.75% and 11.25% (average 11%), against roughly 6-7% on a comparable bank FD.