Aditya Birla Finance Limited

Issue Size (Net)

up to Rs. 1000 Crs

Credit Ratings

IND AAA Outlook Stable by India Ratings and [ICRA]AAA (Stable) by ICRA

Issue Opening Date

September 27, 2023

Issue Closing Date

October 12, 2023

ROI Chart Term Sheet Company Highlights Financials Highlights Prospectus

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI
Frequency of Interest Payment	Annually	Cumulative	Annually	Cumulative	Monthly	Cumulative
Tenor	3 Years	3 Years	5 Years	5 Years	10 Years	10 Years
Coupon (% per annum) for NCD Holders in all Categories of Investors	8.00%	NA	8.05%	NA	7.80%	8.10%
Effective Yield (% per annum) for NCD Holders in all Categories of Investors	7.99%	7.99%	8.04%	8.04%	8.08%	8.09%
Redemption Amount (Rs. / NCD) on Maturity for NCD Holders in all Categories of Investors	Rs. 1,000	Rs.1,259.71	Rs.1000	Rs.1,472.73	Rs. 1,000	Rs 1497.40
Put/Call Option	NA

1.Company Information

Incorporated in 1991, Aditya Birla Finance Limited, a subsidiary of Aditya Birla Capital Limited is a non-deposit-taking systemically important non-banking financial company (NBFC-NDSI) registered with the RBI.

The company offers lending, financing, and wealth services to retail, HNI, ultra HNI, micro, small and medium enterprises (MSME), small and medium enterprises (SME), and corporate customers. The company is categorized as an 'Upper Layer' NBFC under the scale-based regulatory framework for NBFCs introduced by the RBI, with effect from September 30, 2022.Aditya Birla Finance's product list can be categorized into four categories: 1. Corporate/midmarket category: Capital expenditure/working capital funding, Structured financing, Developer financing, and Project financing for corporates across various sectors. 2.Secured business category: Loans against property, Working capital loans, Lease Rental Discounting, and Loans against securities for business owners and self-employed professionals engaged in small/mid-sized businesses. 3.Unsecured business category: Business loans, Supply chain finance, Business-to-business digital platform (Udyog Plus), and Business overdraft for SMEs and MSMEs. 4.Personal and consumer category: Personal loans, Consumer loans, Check-out financing, and Credit cards for Individuals, small business owners, and micro-enterprises.

2. Ratings

The NCDs proposed to be issued pursuant to this Issue have been rated IND AAA Outlook Stable by India Ratings & Research Private Limited, and rated [ICRA]AAA (Stable) by ICRA Limited.

3.Aditya Birla Finance NCD September 2023 Registrar

Link Intime India Private Ltd

C 101, 247 Park, L.B.S.Marg,

Vikhroli (West), Mumbai - 400083

Phone: +91-22-4918 6270

Email:abfl.ncd@linkintime.co.in

Website:https://linkintime.co.in/mipo/ipoallotment.html

Aditya Birla Finance NCD September 2023 Financial Information (Restated)

Period Ended	Total Assets	Total Revenue	Profit After Tax	Net Worth
31-Mar-21	50755.2	5528	768.8	8965.9
31-Mar-22	56969.2	5796.9	1108.3	9968.9
31-Mar-23	84122.8	8267.7	1553.8	11530.7

Issuer	Aditya Birla Finance Limited
Instrument	Secured Redeemable Non-Convertible Debentures (NCDs)
Issue Opens on	Wednesday, September 27, 2023
Issue Closes on	Thursday , October 12, 2023
Issue Size	Rs. 1000 Crs with an option to retain oversubscription up to Rs. 1000 Crs aggregating upto to Rs. 2000 Crs
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	IND AAA Outlook Stable by India Ratings and [ICRA]AAA (Stable) by ICRA
Registrar	Link Intime India Private 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	25%	25%	25%	25%
Put/Call Option	N.A.
Mode of Allotment	Compulsorily in dematerialized form.
Allotment	First Come First Serve Basis
Depositories	NSDL and CDSL

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI
Frequency of Interest Payment	Annually	Cumulative	Annual	Cumulative	Monthly	Cumulative
Tenor	3 Years	3 Years	5 Years	5 Years	10 Years	10 Years
Coupon (% per annum) for NCD Holders in all Categories of Investors	8.00%	NA	8.05%	NA	7.80%	8.10%
Effective Yield (% per annum) for NCD Holders in all Categories of Investors	7.99%	7.99%	8.04%	8.04%	8.08%	8.09%
Redemption Amount (Rs. / NCD) on Maturity for NCD Holders in all Categories of Investors	Rs. 1000	Rs. 1,259.71	Rs.1000	Rs.1,472.73	Rs. 1000	Rs 1497.40
Put/Call Option	NA

Prospectus File

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