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13.70% MONEDO FINANCIAL SERVICES PRIVATE LIMITED 30-SEP-2027 (SECURED NCD)

MONEDO FINANCIAL SERVICES PRIVATE LIMITED

INE0I5X07067

I.M

Term Sheet

Bond Detail

Bond's Rating

Rating Agency	Rating	Remarks	Rating Rationale

Face Value
100000.0000

Coupon Rate
13.70%

Issue Date
23 Jul 2026

Maturity Date
30 Sep 2027

Remainig Period
1 y 1 m 10 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
15.00%

Mode of Issue
Private

Coupon Type
Fixed Interest_1 LAKHS

IP Dates
23rd of every month

Multiple Quantum

Available Quantity
11

Security
Secured

Seniority Repay
Senior

Registrar Details

Issue Details

Issue Size
55.00 Crores

Business Sector

Ownership
NONPSU

Debenture Trustee
Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

Key Highlights

Listed on BSE
Pan-India Presence – Operates across 14 states, enabling broad geographic reach without relying on a traditional branch network.
Digital-First Lending Model – Uses a branchless, technology-driven B2B2C model to deliver financing efficiently to customers and businesses.
Diversified Lending Segments – Serves multiple segments including consumer finance, healthcare, SME lending, and supply chain finance, reducing dependence on a single business vertical.
Flexible Financing Solutions – Offers loans of up to INR 5 million, with tenors structured according to the product, including shorter-duration supply chain financing.
Growing Lending Portfolio – Reported an AUM of approximately INR 4.34 billion as of FY26, reflecting the scale of its lending operations.

Credit Ratings

Low SafetyHigh Safety

About Issuer

MONEDO FINANCIAL SERVICES PRIVATE LIMITED

MFSPL, founded in 2017, is a digital-first, branchless B2B2C lending platform operating across 14 states in India. The company provides tailored financing solutions across consumer, healthcare, SME, and supply chain segments, with loan sizes of up to INR 5 million. As of FY26, MFSPL reported an AUM of approximately INR 4.34 billion.

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

Investments in debt securities are subject to risks. Read all the offer related documents carefully.

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13.70% MONEDO FINANCIAL SERVICES PRIVATE LIMITED 30-SEP-2027 (SECURED NCD)

MONEDO FINANCIAL SERVICES PRIVATE LIMITED

Bond's Rating

Issue Details

Key Highlights

Credit Ratings

About Issuer

MONEDO FINANCIAL SERVICES PRIVATE LIMITED

Remarks

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