12.50% VEDIKA CREDIT CAPITAL LTD 05-DEC-2031

VEDIKA CREDIT CAPITAL LTD

INE04HY08011

I.M

Term Sheet

Bond Detail

Bond's Rating

Rating Agency	Rating	Remarks	Rating Rationale

Face Value
100000.0000

Coupon Rate
12.50%

Issue Date
05 Jan 2026

Maturity Date
05 Dec 2031

Remainig Period
5 y 1 m 1 d

Tax Free
No

Int. Payment Type
Simple

Int. Frequency
Monthly

TDS on Interest
Yes

Call Option

Put Option

Govt. Guarantee
No

Listing
Yes

Yield to Maturity
13.25%

Mode of Issue
Private

Coupon Type
Fixed Interest_1 LAKH

IP Dates
5th of every month

Multiple Quantum

Available Quantity
10

Security
Unsecured

Seniority Repay
Subordinated tier 1

Registrar Details
Niche Technologies Private Limited

Issue Details

Issue Size
50.01 Crores

Business Sector

Ownership
NONPSU

Debenture Trustee
Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

Key Highlights

Listed on NSE.
Women-Centric Lending – Primarily focuses on women borrowers, supporting financial inclusion among underserved customer segments.
JLG Lending Model – Uses the Joint Liability Group model, enabling group-based credit access and shared repayment responsibility.
Strong Eastern India Network – Operates through 192 branches across 7 states, providing a significant physical presence in its target markets.
Experienced Promoter Group – The promoter family has experience across financial services, including microfinance and vehicle financing.
Diversified Group Expertise – The group’s presence in two-wheeler financing through Vedika Fincorp Limited provides additional exposure to the broader retail lending ecosystem.

Credit Ratings

Low SafetyHigh Safety

About Issuer

VEDIKA CREDIT CAPITAL LTD

VCCL is a Jharkhand-based NBFC-MFI providing microcredit to women borrowers through the Joint Liability Group (JLG) model. Established in microfinance since 2007, the company operates 192 branches across 7 states in Eastern India, serving underserved communities.

Remarks

As per Section 193 of the Income-tax Act, 1961 (effective 1 April 2023), TDS at the applicable rate (currently 10%, or as notified) shall be deducted on interest payable on company-issued securities, except Government securities. The securities displayed are for informational purposes only and do not constitute investment advice or a recommendation to invest. Prices, yields, and availability are subject to market conditions, applicable cut-off timings, and regulatory guidelines governing Online

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