Namra Finance Bonds
2 bonds issued by Namra Finance, listed across Indian platforms, currently yielding 10.75%-11.35% YTM (average 11.1%), rated A-. Compare YTM, coupon, tenure, credit rating and minimum investment before you invest.
About Namra Finance
Namra Finance Limited is the wholly owned microfinance subsidiary of the listed Arman Financial Services Limited, and contributes roughly 75% of the Arman group's assets under management. The group's consolidated AUM was Rs 2,245 crore as on March 31, 2025, down 15% year on year on subdued microfinance disbursements. Namra's own tangible net worth stood at Rs 638 crore with gearing of 1.3x, and its 90+ days-past-due book was 2.74%. Profit fell steeply in FY25 on elevated credit costs across the microfinance sector, and CARE revised the outlook to Negative in June 2025.
- Net profit
- Rs 7.9 crore
Figures as of FY25 (31 Mar 2025). Rated by CARE. Source: rating rationale.
Frequently asked questions
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Plan your bond ladderWho is Namra Finance?
Namra Finance Limited is the wholly owned microfinance subsidiary of the listed Arman Financial Services Limited, and contributes roughly 75% of the Arman group's assets under management. The group's consolidated AUM was Rs 2,245 crore as on March 31, 2025, down 15% year on year on subdued microfinance disbursements. Namra's own tangible net worth stood at Rs 638 crore with gearing of 1.3x, and its 90+ days-past-due book was 2.74%. Profit fell steeply in FY25 on elevated credit costs across the microfinance sector, and CARE revised the outlook to Negative in June 2025.
Is it safe to invest in Namra Finance bonds?
Namra Finance's listed bonds carry an A- credit rating from CARE; as of FY25 (31 Mar 2025) the company reported net profit of Rs 7.9 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 Namra Finance bonds offer right now?
As of Oct 2026, the 2 listed Namra Finance bonds yield between 10.75% and 11.35% (average 11.1%), against roughly 6-7% on a comparable bank FD.