Bhanix Finance’s new NCD offering might be just what you need. Let’s break down why smart investors are taking notice of this opportunity.
What Makes Bhanix Finance Special?
Bhanix Finance isn’t just another lending company. They’ve built their reputation by focusing on what matters most – keeping investors’ money safe while delivering strong returns. Their track record shows they’re experts at managing financial services in India, with a growing business and careful risk management.
Understanding the NCD Offering
Here’s what you get when you invest in Bhanix Finance NCDs:
- Attractive 15% yearly returns – much better than traditional bank deposits
- Flexible investment periods to suit your needs
- Regular interest payments for steady income
- Strong security backing to protect your investment
- Easy-to-access investment amounts
Let’s Talk Numbers: Understanding Bhanix’s Financial Growth
| Income Statement (INR Cr) | FY 22 | FY 23 | H1FY 24 |
| Interest income (NBFC) | 210 | 397 | 210 |
| Processing fee (NBFC) | 27 | 89 | 118 |
| Service & operating income | 21 | 75 | – |
| Other income | 2 | 19 | 28 |
| Total Income | 259 | 580 | 356 |
| Finance cost | 45 | 122 | 73 |
| Credit cost | 68 | 202 | 104 |
| Employee cost | 31 | 34 | 31 |
| Other expenses | 75 | 181 | 124 |
| Depreciation | 3 | 4 | 0 |
| Tax expense | 8 | 9 | 6 |
| PAT | 28 | 26 | 19 |
Let’s look at their finances in simple terms:
1. Growing Income
- Total Income Growth
- FY22: ₹259 crores
- FY23: ₹580 crores
- H1FY24: Already ₹356 crores in just 6 months!
- This shows their business is growing rapidly
2. Multiple Income Sources
- Main Business Income (FY23)
- Interest Income: ₹397 crores
- Processing Fees: ₹89 crores
- Service Income: ₹75 crores
- Shows they don’t depend on just one type of income
3. Strong Business Performance
- Income Sources Getting Stronger
- Processing fees jumped from ₹27 crores to ₹89 crores
- Service income grew from ₹21 crores to ₹75 crores
- Shows they’re expanding their business successfully
4. Smart Cost Management
- They’re investing in growth while watching costs
- Employee costs stayed stable (₹31-34 crores)
- Shows efficient business management
First Half of FY24 Shows Promise
- Already earned ₹356 crores in just 6 months
- Processing fees reaching new heights at ₹118 crores
- Maintaining steady profits with ₹19 crores PAT
- Shows strong business momentum
Why These Numbers Matter for Your Investment
- Steady Growth
- Income more than doubled from FY22 to FY23
- Shows they know how to grow their business
- Indicates strong market presence
- Diverse Income
- Not just dependent on interest income
- Growing fee-based income
- Makes the business more stable
- Careful Management
- Controlled employee costs
- Investing in growth
- Regular profits
Who Should Consider This Investment?
These NCDs are perfect for:
- People looking for better returns than bank FDs
- Retired persons wanting regular income
- Investors who want fixed returns without market risks
- Anyone looking to diversify their savings
- Those who want their money in safe hands
Why Invest Now?
- Attractive Returns
- 15% annual returns – much better than most alternatives
- Regular interest payments
- Fixed returns without market risks
- Strong Company
- Growing business
- Multiple income sources
- Professional management
- Safe Investment
- Backed by company assets
- Priority in repayment
- Regulated business
The Bottom Line
Bhanix Finance’s NCDs offer a great opportunity to earn 15% yearly returns from a company that’s showing strong growth and careful management. Their numbers tell us they’re doing well – growing income, diverse business, and regular profits.
Think of this investment as putting your money with a partner who:
- Knows their business well
- Keeps growing steadily
- Takes care of your money
- Gives you good returns
If you want to know more about these NCDs, contact us or explore our platform today.
