Thankyou for your support. The NCD issue has been oversubscribed.

Missed to Invest in Sakthi Finance NCD 2022. Don't Worry, Invest in our Savings Deposits


Sakthi Finance Limited has launched its 6th Public Issue of Rated, Secured, Redeemable, Non-Convertible Debentures (NCDs) on 11th April 2022 and the issue is scheduled to close on 4th May 2022.


NCDs are debt instruments which are placed with the issuing company for a specific period of time at a fixed rate of interest

NCDs are suitable for
  • Consistent periodic return
  • Lump sum return at the end of the period
  • Diversification of investment portfolio with debt instruments

Specific Terms of Issue

  • Face Value per NCD : ₹ 1000

  • Issue Size : ₹ 50 Cr, with option to retain oversubscription upto ₹50 Cr

  • Minimum Investment : 10 NCDs /₹ 10,000

Options Tenor (Months) Coupon Rate (%) per annum Effective Yield (%) per annum Frequency of Interest Payment Maturity value
For ₹1,000
I 24 8.50 8.50 Monthly 1,000
II N.A. 9.16 Cumulative 1,183.20
III 36 8.75 8.75 Monthly 1,000
IV N.A. 9.88 Cumulative 1,296.50
V 48 9.00 9.00 Monthly 1,000
VI N.A. 10.69 Cumulative 1,427.62
VII 60
10.00 10.00 Monthly 1,000
VIII N.A. 12.77 Cumulative 1,638.62


24 months

Yield/Annum 9.16%
Series II (secured)

36 months

Yield/Annum 9.88%
Series IV (secured)

48 months

Yield/Annum 10.69% Series VI (secured)

60 months

Yield/Annum 12.77% Series VIII (secured)


Disclaimer statement from the Issuer

Sakthi Finance Limited is, subject to market conditions and other considerations, proposing a Public issue of NCDs of face value of ₹ 1,000 each for an amount not exceeding ₹ 5,000 lakh with an option to retain over-subscription for an amount not exceeding ₹ 5,000 lakh, aggregating to an amount not exceeding ₹ 10,000 lakh by way of Prospectus dated 5th April, 2022 filed with the Registrar of Companies, Tamilnadu, Coimbatore in terms of Section 26 and Section 31 of the Companies Act 2013 along with the endorsed / certified copies of all requisite documents, SEBI and BSE. For further details, please refer to the chapter titled "Material Contracts and Documents for Inspection" beginning on page 274 of the Prospectus. Investors should note that the investment in NCDs involves a high degree of risk and the Investors are advised to take any decision to invest in the NCDs pursuant to their examination of the Issuer and on the basis of disclosures made in the Prospectus. Please see the section titled "Risk Factors" beginning on page 17 of the Prospectus for the risks in this regard.

Disclaimer Clause of the RBI

The company is having a valid certificate of registration dated April 17, 2007 bearing registration No. 07-00252 issued by the Reserve Bank of India under section 45-IA of the Reserve Bank of India Act 1934. However, a copy of this prospectus has not been filed with or submitted to the Reserve Bank of India (“RBI”). It is distinctly understood that this prospectus should not in any way be deemed or construed to be approved or vetted by RBI. RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the issuer or for the correctness of any of the statements or representations made or opinions expressed by the issuer and for discharge of liability by the issuer. By issuing the aforesaid certificate of registration dated August 21, 2020 to the issuer, RBI neither accepts any responsibility nor guarantee for the payment of any amount due to any investor in respect of the proposed NCDs.

Disclaimer Clause of BSE

It is to be distinctly understood that the permission given by BSE Limited should not in any way be deemed or construed that the Draft Offer Document has been cleared or approved by BSE Limited nor does it certify the correctness or completeness of any of the contents of the Prospectus. The investors are advised to refer to the Draft Offer Document for the full text of the Disclaimer clause of the BSE Limited.

Disclaimer Clause of ICRA Limited

ICRA ratings should not be treated as recommendation to buy, sell or hold the rated debt instruments. ICRA ratings are subject to a process of surveillance, which may lead to revision in ratings. An ICRA rating is a symbolic indicator of ICRA’s current opinion on the relative capability of the issuer concerned to timely service debts and obligations, with reference to the instrument rated. Please visit our website or contact any ICRA office for the latest information on ICRA ratings outstanding. All information contained herein has been obtained by ICRA from sources believed by it to be accurate and reliable, including the rated issuer. ICRA, however, has not conducted any audit of the rated issuer or of the information provided by it. While reasonable care has been taken to ensure that the information herein is true, such information is provided ‘as is’ without any warranty of any kind, and icra in particular, makes no representation or warranty, express or implied, as to the accuracy,timeliness or completeness of any such information. Also, ICRA or any of its group companies may have provided services other than rating to the issuer rated. All information contained herein must be construed solely as statements of opinion, and icra shall not be liable for any losses incurred by users from any use of this publication or its contents.

Credit Rating and Rationale

The NCDs proposed to be issued by our Company have been rated by ICRA Limited (“ICRA”). ICRA has, vide its letter no. ICRA/Sakthi Finance Limited/18032022/1 dated March 18, 2022 assigned a rating of “[ICRA] BBB (Stable)” for an amount not exceeding ` 10,000 lakh for the NCDs. The rating of the NCDs by ICRA indicates moderate degree of safety regarding timely servicing of financial obligations and carry moderate credit risk. The rating provided by ICRA may be suspended, withdrawn or revised at any time by the assigning rating agency and should be evaluated independently of any other rating. The rating is not a recommendation to buy, sell or hold the NCDs and investors should take their own decisions. Please refer to Annexure C of the Prospectus for rationale for the above ratings.

What our Customers Say

Mr.Colonel Vedanayagam (Ex-Military NCC Commander)

“I am colonel Vedanayagam age of 60. Retired from Military NCC Commander. Residing at Woraiyur, Trichy .3 My father Mr.Singaravelu (expired).,- Retd D.F.O He was doing investments at Sakthi for the past 25 yrs ,After my father demises, I am joining for investment at Sakthi Finance for the past 15 yrs. and I have maintaining one locker also. The Sakthi service work and refund procedure is very good prompt. The last 4 times they are introduced one public issue and I was invested for all 4 times. At present, they are informed for 5th time on July2021. I am expecting and I am maintaining the sufficient fund for investment All Peoples of Sakthi has servicing with my appointment. I wish to Sakthi and his employees also. I am very liking this behaviour of Sakthi people. I salute to the Sakthi Management also.”

Mr. Elangovan (Retired Private employee)

“I am Elangovan (58 years) retired from Private sector company. I have been the Sakthi customer for more than 22 years. I am very much delightful for your Prompt repayment, door step customer services & attractive rate of interest. One of the Kairasi is I have reinvested the matured amount several times. I have invested all the 4 Public issues and waiting for the 5th Issue as well.”

Mr.Pitchiah (Retired SPIC Inc. Tuticorin)

“I am Pitchiah.P(61 years) retired from SPIC Industry Tuticorin. I Know & investing in Sakthi for the past 20 years. Till now I have deposited most of my savings in Sakthi only. I am a non pensioner and the monthly interest from Sakthi serves as my pension. I invested in all the previous Public Issues. Kairasi,Trust, Attractive rate & very good customer service still attracts me. I pray the god "Sakthi & its company to grow well”

Mr.A.Somasundaram (Agriculturalist, 75 years of age)

“I am one of the oldest customer of M/s Sakthi Group and have dealing with your Pollachi Branch for more than 4 decades. I am basically agriculturist. Now I am more than 75 years old. I have all the financial dealings only with Sakthi Financial Services, Pollachi Branch. Your service to the customers are so good. Further all your employees are experienced person and they are well guiding the clients.”

Mr. K. Kumaravel (An Entrepreneur, Pollachi)

“I am K. Kumaravel aged 56 years, and one of the VIP customer of your Sakthi Group with dealing with your Pollachi Branch for more than 3 decades. I am a business man doing wind energy business and services. I am enjoying all the facilities and services offered by your Pollachi Branch. Basically , I started dealing with your company by investing in term deposits and by then availed locker facilities with your Pollachi Branch . All your staff are rendering polite and courteous services to public. This attracts the public to deal with Sakthi Group for ever. Further your experienced staff are speedy in servicing the clients and even for locker I will be able to access locker quickly without any waiting for moments. I also invested in all your products dealt by M/s Sakthi Group. I had introduced more VIP clients to your group.”

Mr. A. Rajamanickam (Madurai branch customer for 25 years)

“I am A. Rajamanickam, retired EB Engineer, Living in Tirumangalam, Madurai. I have associated with Sakthi for 25 years. I have invested Sakthi’s Regular deposits since 1996, from the day one I have received my returns on time which helpful for meet my family needs. further, I have invested the Sakthi’s 4 NCD Public Issues for their convenient tenure option and the best interest rates offer by them. I have already received redemption of 2 public issue investments on time which is more helpful for me to lead my post retirement life peacefully.”

Mr. Satish Navaraj, Software Professional, Coimbatore.

“My wife's family had invested their hard-earned money in Sakthi Finance to meet their various needs for the future. 4 decades of their relationship and trust gave me a lot of confidence to consider Sakthi Finance for my financial needs and I have started investing now; and yes, referred my friends too. Great service, flexible interest payments options, attractive rates, overall, they have been just fantastic even in these trying times! Not just NCDs but their other financial instruments and services look great too. Thank you, team Sakthi!”

Mr. Rajendran (Pensioner, Salem)

“I am Rajendran (age 60) retired THADCO DM,living in Salem,Iam investing my savings in Sakthi regular NCD scheme since 2015, Sakthi finance offer best intrest rate,services and good response,and funds refund ontime,they are good customer services neat and clean...”

Mr.R.Maheswaran (Auditor, Tirupur)

“I am R.Maheswaran (Age 43) auditor doing own practice for the past 15 years in Tirupur. I and my wife had made a fixed deposits in Sakthi Group for more than 13 years. And my father K.Rangasamy, aged 74 years, a retired mill employee had invested in NCD issued by Sakthi Group for the past 2 years. Our parent and ourselves is receiving the debentures and deposit interest monthly from the esteemed Sakthi Group on prompt due dates. The interest received by us is very helpful and our senior citizen parent also to lead the family in a good economic way. And we are awaiting to invest upcoming NCD PUBLIC ISSUE OFFERED BY SAKTHI GROUP FOR THE YEAR 2021. We feel trust worthy to invest Our fund in your financial services, since assurance and safety is guaranteed for our investment.”

Mr.S.Sivanandham (Retired PWD Executive Engineer)

“I am investing and Locker customer of Sakthi Finance for the past 25 years. I am retd from PWD executive Engineer. My all funds are invested at Sakthi Finance only. Myself introduced by My father-in-law. He is retd bank Manager. He was experienced 20 yrs in bank. I am investing all Public Issue with NCD’s. The 5th Public issue will be in July 2021. I am waiting for investment. (all are Taxable a/c). The service of Sakthi is very excellent, all employees are serviced my door steps on demand. Repayment is very prompt and very good Company.I am introduced up to 10 customers to Sakthi. All are enjoyed with Sakthi. Employees are well Experienced staff and kind approach with high discipline. I am very happy for Sakthi Finance relationship. Thank you for Sakthi Management and all employees. Best wishes to all.”

Contact Us

CONTACT NUMBER +91 73977 30308

Sakthi Finance Limited
No 62 Dr. Nanjappa Road,
Coimbatore-641 018,
Tamil Nadu,

Phone: (0422) 2231471 – 474, 4236200

CIN: L65910TZ1955PLC000145