Indiabulls Housing Finance Limited

Issue Size (Net)

upto to Rs.200 Crore

Credit Ratings

CRISIL AA/Stable” (pronounced as CRISIL double A rating with stable outlook), by CRISIL Ratings Limited and “[ICRA]AA (Stable)” (pronounced as ICRA double A rating with a

Issue Opening Date

July 10, 2023

Issue Closing Date

JULY 21, 2023

ROI Chart Term Sheet Company Highlights Financials Highlights Prospectus

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI	VII	VIII
Frequency of Interest Payment	Annual	Monthly	Cumulative	Annual	Monthly	Cumulative	Annual	Monthly
Tenor	24 Months	24 Months	24 Months	36 Months	36 Months	36 Months	60 Months	60 Months
Coupon (per annum)I & II	9.25%	8.88%	NA	9.40%	9.02%	NA	9.65%	9.25%
Coupon (per annum)III & IV	9.65%	9.25%	NA	9.90%	9.48%	NA	10.15%	9.71%
Effective Yield (per annum) I&II	9.24%	9.24%	9.25%	9.39%	9.39%	9.40%	9.64%	9.64%
Effective Yield (per annum) III & IV	9.64%	9.64%	9.65%	9.88%	9.89%	9.90%	10.14%	10.14%
Mode of Interest Payment	Through various modes available
"Redemption Amount I & II"	Rs. 1000	Rs. 1000	Rs.1,193.85	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and Rs. 334 for year 3, starting from the first anniversary from the Deemed Date of	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and ₹ 334 for year 3, starting from the first anniversary from the Deemed Date of	Rs.1,309.70	Staggered redemption in five annual payments of Rs. 200 each, starting from the first anniversary from the Deemed Date of Allotment	Staggered redemption in five annual payments of Rs.200 each, starting from the first anniversary from the Deemed Date of Allotment
"Redemption Amount III & IV"	Rs. 1000	Rs. 1000	Rs. 1,202.65	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and Rs. 334 for year 3, starting from the first anniversary from the Deemed Date of	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and ₹ 334 for year 3, starting from the first anniversary from the Deemed Date of	Rs.1,327.75	Staggered redemption in five annual payments of Rs. 200 each, starting from the first anniversary from the Deemed Date of Allotment	Staggered redemption in five annual payments of Rs.200 each, starting from the first anniversary from the Deemed Date of Allotment

1.Company Information

Incorporated in 2005, the company engages in providing mortgage lending services. Indiabulls Housing Finance Limited is one of the largest housing finance companies in India and is the flagship company of Indiabulls Group.

company offers various services like Home Loans, Home Renovation Loans, Rural Home Loans, and Home Extension Loans among others.

As of September 30, 2022, The company has a network of 164 branches spread across India, which gives us a pan-India presence and allows us to interact with and service the customers. As of September 30, 2022, the company have a direct sales team of 2,200 employees who were located across the network.

2. Ratings

The NCDs proposed to be issued under this Issue have been rated CRISIL AA/Stable by CRISIL Ratings Limited and ICRA AA (Stable) by ICRA Limited with such ratings considered to have a stable outlook.

3.Navi Finserv NCD Registrar

Kfin Technologies Limited

KFintech, Tower-B, Plot No 31 & 32,

Financial District, Nanakramguda, Gachibowli,

Hyderabad, Telangana India - 500 032.

Phone:+91-04067162222, 04079611000

Indiabulls Housing Finance Limited Financial Information (Restated Consolidated)

Period Ended	Total Assets	Total Revenue	Profit After Tax	Net Worth
31-Mar-20	102872.03	13223.23	2165.92	16616.23
31-Mar-21	93239.03	10030.12	1201.59	16076.03
31-Mar-22	81973.32	8993.9	1177.74	15479.82

Issuer	INDIABULLS HOUSING FINANCE LIMITED
Instrument	Secured Redeemable Non-Convertible Debentures (NCDs)
Issue Opens on	Monday, July 10, 2023
Issue Closes on	Friday, July 21, 2023
Issue Size	Rs. 100 Crore with an option to retain oversubscription up to Rs. 100 Crore aggregating upto to Rs.200 Crore
Issue Price / Face Value	Rs.1,000/- per NCD
Minimum Application	Rs.10,000/- (10 NCD) and in multiples of Rs.1,000/- (1 NCD) thereafter.
Credit Rating	CRISIL AA/Stable” (pronounced as CRISIL double A rating with stable outlook), by CRISIL Ratings Limited and “[ICRA]AA (Stable)
Registrar	KFIN Technologies Limited
Listing	The NCDs are proposed to be listed on BSE and NSE
Category	I - Institutional	II - Non-Institutional	III -HNI	IV-Retail
Category Allocation	30%	10%	30%	30%
Put/Call Option	N.A.
Mode of Allotment	Compulsorily in dematerialized form.
Allotment	First Come First Serve Basis.
Depositories	NSDL and CDSLL

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI	VII	VIII
Frequency of Interest Payment	Annual	Monthly	Cumulative	Annual	Monthly	Cumulative	Annual	Monthly
Minimum Application	Rs.10,000/- (10 NCD)
Face Value/ Issue Price	Rs. 1,000
In Multiples of thereafter (Rs.)	Rs.1,000 (1 NCD)
Tenor	24 Months	24 Months	24 Months	36 Months	36 Months	36 Months	60 Months	60 Months
Coupon (per annum)I & II	9.25%	8.88%	NA	9.40%	9.02%	NA	9.65%	9.25%
Coupon (per annum) III & IV	9.65%	9.25%	NA	9.90%	9.48%	NA	10.15%	9.71%
Effective Yield (per annum) I & II	9.24%	9.24%	9.25%	9.39%	9.39%	9.40%	9.64%	9.64
Effective Yield (per annum) III & IV	9.64%	9.64%	9.65%	9.88%	9.89%	9.90%	10.14%	10.14
Mode of Interest Payment	Through various modes available
"Redemption Amount I & II"	Rs. 1000	Rs. 1000	Rs.1,193.85	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and Rs. 334 for year 3, starting from the first anniversary from the Deemed Date of	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and ₹ 334 for year 3, starting from the first anniversary from the Deemed Date of	Rs.1,309.70	Staggered redemption in five annual payments of Rs. 200 each, starting from the first anniversary from the Deemed Date of Allotment	Staggered redemption in five annual payments of Rs.200 each, starting from the first anniversary from the Deemed Date of Allotment
"Redemption Amount III & IV"	Rs. 1000	Rs. 1000	Rs. 1,202.65	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and Rs. 334 for year 3, starting from the first anniversary from the Deemed Date of	Staggered redemption in three annual payments of: Rs. 333 for year 1; Rs. 333 for year 2; and ₹ 334 for year 3, starting from the first anniversary from the Deemed Date of	Rs.1,327.75	Staggered redemption in five annual payments of Rs. 200 each, starting from the first anniversary from the Deemed Date of Allotment	Staggered redemption in five annual payments of Rs.200 each, starting from the first anniversary from the Deemed Date of Allotment

Prospectus File

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