August 10, 2023

Earn Up to 12.5% Fixed Returns on Your Investments! Message Received

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Message From

Sandip Ginodia

CEO: Altius Investech P Ltd ; Abhishek Securities

Unlisted Shares | Private Equity | Pre IPO

Director: Sapphire Wealth (Direct Members: NSE;MSEI)


+91 9830271248


73A, GC Avenue, Kolkata - 700013



Annapurna Finance 2029
About Opportunity
  • Security Name: 12.40% Annapurna Finance 2029 (Listed , Subordinated debt)
  • Coupon Rate: 12.40%
  • Interest Date: Monthly payable on 24th of every month
  • Maturity Date: 24th April, 2029
  • Face Value of Security: INR 1 Lakh
  • Quantum available: INR 2 Lakh Multiples
  • Rating: ICRA A- (Stable)
  • ISIN: To be alloted
About Annapurna Finance 
AFPL (erstwhile, Annapurna Microfinance Private Limited [AMPL]) was initially promoted in 1990 as a society by the name of People’s Forum (PF) by Gobinda Chandra Pattanaik in Odisha. It started operation in Khurda district of Orissa with the objective to form and promote SHGs and socio-economic development. In November 2009, PF acquired Gwalior Finance and Leasing Company Private Limited, a non-banking finance company (NBFC) registered in Varanasi, Uttar Pradesh, and transferred its microfinance loan portfolio to the NBFC. The name of the NBFC was changed to AMPL in February 2010 and to its present name in January 2018. AFPL is engaged in micro finance lending to women borrowers under SHGs, JLG as well as individual loans, housing loans and MSME loans.
Why you should consider this paper?
  • Strong track record with more than two decades of experience in the Microfinance industry
  • Marquee PE investors which represent the best and biggest global names in Impact Investing with significant shareholding and board presence; thereby gives comfort on the corporate governance front. Regular equity support from PE investors; Rs. 200-225 crores further expected in this FY. Also the company has consistently been audited by big 4 auditors which gives more credibility to reported numbers.
  • Collections has been close to 100% on a consistent basis.
  • Stable Asset quality with Net NPA only 1.48% as on March 31, 2023
  • Annapurna Finance Limited has applied for a Universal Banking license with RBI in Q3FY2022; the application is under review; Annapurna should get re-rated if this license is received.
  • Great comfort is drawn from the fact that initial investors who invested in the debt, went on to take an equity stake later, which is a sign of confidence in the management quality and operational performance.
  • Strong Term Sheet – with 0.25 % step up on 1 notch rating downgrade & accelerated redemption on 2 notch rating downgrade
Invest Now
About Opportunity
  • Minimum Investment: ₹1,00,234
    Expected returns: ₹1,09,737
    Arranger: Kotak Mahindra Bank
    Total Funding Raised:
    Rs.1125 Crs (Rs.732 Crs already invested by Kotak)
    Pre-tax IRR: 12.5%
    Tenure: 18 Months
    Payment Frequency: Interest (monthly) and Principal (quarterly)
About RattanIndia 
  • Part of the RattanIndia Group
  • Incorporated in 2007, by the Indiabulls group. Post the split in the group in 2014, managed by its current promoter i.e. Mr. Rajiv Rattan, first generation entrepreneur and co-founded Indiabulls Group in 2000
  • Operates a thermal power plant with an operational capacity of 1,350 MW at Amravati in Maharashtra, India.
  • One of the few private-sector thermal power generators supplying power to Maharashtra State Electricity Distribution Company Ltd.
  • Listed Entity
  • MCap of ₹2,540 Crores
  • The company generated total income of ₹ 2,586 crore in 9MFY2023 as against ₹3,259 crore in FY2022 as against ₹1,559 crore in FY2021
Why you should concider this paper?
  • Fully Secured Non-Convertible Debentures (NCDs).
  • Short Tenor of ~18 months with high IRR of 12.5%.
  • Arranger of this transaction is Kotak Mahindra Bank.
  • This investment is part of the total investment of Rs 1,125 crore by a consortium of lenders.
  • Pledge of 26% equity capital of Borrower.
  • Corporate guarantee of RR Infralands Private Limited (RRIPL) to the extent of the value of outstanding under the facility.
  • Strong covenants such as DSCR > 1.2x, Security cover > 2x, Gross Debt/ EBITDA < 2x, TOL/ TNW < 0.5x.
  • All cashflows to be deposited into Escrow account to be maintained with Kotak Mahindra Bank and paid as per the defined cash sweep mechanism
Invest Now
In case you want any personal assistance, you can reach out to us at +918240614850 or
Altius Investech P Ltd
73A, G.C Avenue
2nd Floor Room No - 204
Kolkata - 700013



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