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Jeet Shah

Grow with the FLOW • 13h

The ₹300 Crore Question How Bajaj Housing Slashed 25% Interest Costs Sep 25: While markets obsess over stocks, Indian CFOs pull off a financing heist. Behind closed doors? RBI cut repo rates by 1% when Smart CFOs rewired their capital. The Mind-blowing math A AAA-rated firm paying 7.5% on 10-year bonds (May 2024) grabbed 6.85% in 2025. On ₹1,000 crore? ₹6.5 crore saved yearly—profit margins boosted, no extra sales. India’s twist? Bond issuances hit ₹10 trillion in 2025. Bajaj Housing Finance, Aditya Capital, and Manipal Hospitals locked 3–10 year bonds 80–120 bps below bank loans The shocker? Banks cut lending rates by just 5 bps. Bonds offered real arbitrage Smart firms ditched bank loans for bond-smart financing The payoff cascade Lower int. - Higher EBITDA → Stronger CF → More reinvestment power. 💡 For fin. pros Are you tracking bond yield curves vs. bank rates, or leaving crores behind? 👉 Is this India’s corporate fin. revolution—or a rate-cycle blip? Drop your take!

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