IFL Finance Bonds
5 bonds issued by IFL Finance, listed across Indian platforms and sorted by yield to maturity (YTM). Compare YTM, coupon, tenure, credit rating and minimum investment.
About IFL Finance
IFL Finance Limited, formerly IFL Housing Finance Limited, is a non-deposit-taking NBFC incorporated in September 2015. It commenced operations in January 2018 on receipt of its housing finance licence, then surrendered that licence in June 2025 and now operates as an NBFC focused on gold loans, which made up about 79% of the portfolio as on 31 December 2025, alongside a run-down book of home loans (20%) and loans against property (1%). The company is founder-led by Gopal Bansal, its CEO and Managing Director, and India Finsec Limited, a BSE-listed NBFC, held around 71% of its shares as on 31 March 2025. It operates in Rajasthan, Madhya Pradesh, Haryana and Delhi, with about 76% of the portfolio concentrated in Rajasthan and Delhi. CRISIL upgraded the company to CRISIL BBB with a Stable outlook during FY26 and rates its bank facilities and non-convertible debentures. It is a small but well-capitalised lender, with AUM of Rs 332 crore and a capital adequacy ratio of 65.8% as on 31 March 2025.
- AUM
- Rs 332 crore
- Gross NPA
- 0.7%
- Capital adequacy
- 65.8%
- Net profit
- Rs 18.1 crore
Figures as of FY25 (31 Mar 2025). Rated by CRISIL. Source: rating rationale.
Frequently asked questions
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Plan your bond ladderWho is IFL Finance?
IFL Finance Limited, formerly IFL Housing Finance Limited, is a non-deposit-taking NBFC incorporated in September 2015. It commenced operations in January 2018 on receipt of its housing finance licence, then surrendered that licence in June 2025 and now operates as an NBFC focused on gold loans, which made up about 79% of the portfolio as on 31 December 2025, alongside a run-down book of home loans (20%) and loans against property (1%). The company is founder-led by Gopal Bansal, its CEO and Managing Director, and India Finsec Limited, a BSE-listed NBFC, held around 71% of its shares as on 31 March 2025. It operates in Rajasthan, Madhya Pradesh, Haryana and Delhi, with about 76% of the portfolio concentrated in Rajasthan and Delhi. CRISIL upgraded the company to CRISIL BBB with a Stable outlook during FY26 and rates its bank facilities and non-convertible debentures. It is a small but well-capitalised lender, with AUM of Rs 332 crore and a capital adequacy ratio of 65.8% as on 31 March 2025.
Is it safe to invest in IFL Finance bonds?
IFL Finance's listed bonds carry a BBB credit rating from CRISIL; as of FY25 (31 Mar 2025) the company reported AUM of Rs 332 crore, gross NPA of 0.7%, capital adequacy of 65.8% and net profit of Rs 18.1 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 IFL Finance bonds offer right now?
As of Sept 2026, the 5 listed IFL Finance bonds yield between 10% and 10.75% (average 10.3%), against roughly 6-7% on a comparable bank FD.