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BBB+

SATYA MICROCAPITAL LIMITED

Satya Microcapital Limited is a non-banking financial company (NBFC) based in India, specializing in microfinance services. Established in 2008, Satya Microcapital provides collateral-free loans to small entrepreneurs, particularly in rural and underserved areas, empowering them to start or expand their businesses. The company focuses on promoting financial inclusion and socio-economic development by offering accessible and affordable financial solutions tailored to the needs of low-income individuals and microenterprises.

Bond Overview

Private Bonds

Coupon Rate

13.85%

Monthly payments

Tenure

64m

Matures on 12 June 2029

Credit Rating

BBB+

Moderate Safety

Face Value

₹1,00,000

Min: ₹1,00,000

Bond Details

Issue Date

2 April 2024

Maturity Date

12 June 2029

Interest Payment

Monthly

Minimum Investment

₹1,00,000

ISIN

INE982X08109

Security & Returns

Security Type

Unsecured

Repayment Priority

Subordinate 2

Yield to Maturity

14.10%

Market Value

₹99,862

Accrued Interest

₹-379.45

Maturity Timeline
Issue Date

2 Apr 2024

Today

2 Jul 2025

Maturity Date

12 Jun 2029

1441 days (3.9 years) remaining until maturity

Total Tenure

64 months

Time Elapsed

25%

Time Remaining

75%

Returns Calculator

Investment Summary

Investment Amount₹1,00,000
Annual Interest Rate13.85%
Tenure64 months
Interest PayoutMonthly

Returns Breakdown

Total Interest Earned₹73,867
Maturity Amount₹1,73,867
Absolute Returns74%
Estimated Monthly Income: ₹1,154
Credit Rating & Risk Assessment

Credit Rating Scale

AAA
AA+
AA
AA-
A+
A
A-
BBB+
BBB
BBB-
Highest SafetyModerate Safety

BBB+ rating indicates adequate degree of safety regarding timely servicing of financial obligations.

Risk Assessment

Risk Level:
Medium
60% Risk
Low RiskMedium RiskHigh Risk

This bond carries moderate risk and offers a balance between safety and returns.

Security Collateral Details
Unsecured

This bond is backed by the issuer's creditworthiness

Collateral Information

Unsecured Bond

This bond is not backed by specific collateral but by the issuer's promise to pay and overall creditworthiness.

Repayment Source

Repayment depends on the issuer's cash flows and financial health rather than specific assets.

Repayment Priority: Subordinate 2

Priority Level

Subordinated bonds are paid after senior debt obligations in case of bankruptcy or liquidation.

Creditor Protection

Subordinated bondholders typically receive higher yields to compensate for the increased risk.

In case of default, the bond holders will be considered Subordinate 2 for payment.

Invest Now

Coupon Rate13.85%
Minimum Investment₹1,00,000
Interest PayoutMonthly
Maturity Date12 June 2029
Market Value₹99,862
Returns Calculator

Min. quantity: 1 bonds (₹1,00,000)

Principal Amount₹99,862
Accrued Interest+ ₹-379.45
Total Investment₹99,482.55
Monthly Income₹1,153
Total Returns₹73,765
Principal amount is calculated based on current market value (₹99,862/bond). Accrued interest represents the interest earned since the last payment date.
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