Stacked coins with a rising line graph overlay, symbolizing financial growth and high returns. The image reflects the reliability and profitability of MAS Financial's NCD offerings, highlighting their focus on secure and rewarding investments.

MAS Financial NCDs: Your Guide to 12% Returns

/ Finance & Investment, Financial Planning / By

In today’s dynamic investment landscape, finding the right balance between returns and security can be challenging. MAS Financial, a trusted name in India’s financial services sector, has emerged as a noteworthy player offering Non-Convertible Debentures (NCDs) with compelling returns of up to 12% per annum.

Understanding MAS Financial: A Legacy of Trust

Founded in 1995, MAS Financial has established itself as a leading Non-Banking Financial Company (NBFC) headquartered in Ahmedabad, Gujarat. With over two decades of experience, the company has built a robust operational framework focusing on financial inclusion and empowerment of underserved segments.

Operating through 73 branches across multiple states including Gujarat, Maharashtra, Rajasthan, and Madhya Pradesh, MAS Financial has created a significant impact in the financial services landscape. Their presence in Tamil Nadu, Karnataka, and Delhi NCR further strengthens their pan-India reach.

Strong Financial Performance: A Testament to Stability

The numbers speak volumes about MAS Financial’s strong market position in FY 2023-24:

  • Total Revenue: A remarkable ₹1,224.57 crore, showcasing substantial growth of 29.0% year-on-year 
  • Profit After Tax: An impressive ₹254.01 crore, demonstrating a robust growth of 23.4% 
  • Net NPA: An impressively low 1.5%, reflecting superior risk management 
  • Capital Adequacy Ratio: A healthy 21%, well above regulatory requirements

Diverse Business Segments Driving Growth

MAS Financial has strategically positioned itself across multiple segments:

  1. Micro-Enterprise Financing: Supporting small businesses with tailored lending solutions
  2. SME Loans: Empowering medium-sized enterprises for growth and expansion
  3. Retail Financing: Offering consumer loans including two-wheeler and personal loans
  4. Housing Finance: Making homeownership accessible through affordable solutions

Why MAS Financial NCDs Stand Out

The NCDs offered by MAS Financial present several compelling features:

  • Annual Returns: Offering up to 12% per annum, significantly higher than traditional fixed deposits 
  • Flexible Tenure: Options ranging from 12 to 36 months to suit various investment horizons 
  • Interest Payout Options: Choose between monthly income or cumulative growth 
  • Strong Foundation: Backed by MAS Financial’s proven track record and robust financials

Understanding the Risk-Return Profile

These NCDs particularly suit investors who:

  • Seek higher fixed returns than traditional instruments
  • Want to diversify their portfolio with corporate debt
  • Are comfortable with a short to medium-term investment horizon
  • Appreciate the importance of investing in financial inclusion

Looking Forward

MAS Financial’s commitment to financial inclusion, coupled with their strong financial metrics and expanding presence, positions them uniquely in the NBFC sector. Their focus on underserved segments while maintaining quality assets demonstrates a sustainable business model.

For investors seeking detailed information about MAS Financial NCDs and their features, explore Finzace.

Explore our platform