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Credit Saison India raises USD 500 million ECB in largest-ever multi-currency syndication. Posted On May 21, 2026 Mumbai, May 21: Credit Saison India a non-banking financial company and the Indian subsidiary of Japan's Credit Saison Co., has successfully closed a USD 500 million Multi-Currency External Commercial Borrowing (ECB) Syndication, the largest ECB raise in the company's history. The syndication reflects the depth and diversity of Credit Saison India's lender relationships. A defining feature of this transaction is the inaugural participation of the Asian Development Bank (ADB), a major multilateral development finance institution. ADB's financing will support CS India's efforts to expand onward lending towards individuals and micro, small, and medium-sized enterprises (MSMEs), including to female borrowers. Furthermore, by meeting the ADB's standards, CS India will advance its social and environmental governance standards and strengthen the foundation for sustainable business operations. The transaction also marks the continued participation of State Bank of India (SBI), further deepening domestic institutional trust in the company. Mizuho Bank, which has been a strategic long-term partner to Credit Saison India, has reaffirmed its commitment through this syndication. Key regional banks, Axis Bank, CTBC Bank, and DBS Bank also participated as returning strategic partners. The diverse participation underscores the sustained confidence that leading financial institutions have placed in Credit Saison India across successive transactions. This milestone transaction also brings Credit Saison India's cumulative ECB funding to over USD 1.1 billion in just over a year, a landmark threshold that reflects the company's growing stature in the Indian NBFC landscape. The proceeds will be used to expand Credit Saison India's MSME and secured lending businesses, deepen financial inclusion, and extend credit to underserved segments. Ms. Presha Paragash, Whole Time Director & CEO of Credit Saison India, said, "The participation of ADB as our first multilateral lender is a vote of confidence in the governance and responsible, inclusive lending practices we have built. The renewed commitment of our returning partners further deepens that conviction. Together, this syndication reflects a shared belief by leading global and domestic institutions in our growth model and vision to extend credit access to those who need it. The capital will allow us to further accelerate our business, and expand our reach to India's under penetrated segments of borrowers. Crossing the USD 1 billion mark in cumulative ECB since our maiden syndication last year is a profound validation of the trust that our distinguished partners have placed in Credit Saison India." Mr. Kosuke Mori, CEO of Saison International, the international headquarters of Credit Saison responsible for the Group's global businesses outside Japan, commented, "India has been a cornerstone of Credit Saison's global business strategy, and Credit Saison India's ability to close a USD 500 million syndication, our largest to date, is a powerful demonstration of the strength of our business in India. We are grateful to all our strategic partners in this syndication who continue to believe in what we are building in India. As we continue to deepen our presence across India and other global markets, we remain committed to being a global lender in markets where access to capital can drive meaningful financial inclusion at scale." Mr. Anudeep Ganguli, Chief Treasury Officer of Credit Saison India, added, "Securing USD 500 million through this multi-currency, dual tenor syndication is a significant achievement in its liability journey. By diversifying its funding sources across geographies, currencies, and institutions, Meditation Affinity is able to build a resilient, sustainable liability base that supports its long-term growth plans. The participation of the Asian Development Bank alongside returning lenders is a strong endorsement of its governance and financial discipline. Majority of the tranche is routed through GIFT City, which reflects the deepening relevance of India's international financial services ecosystem in enabling cross-border funding. This transaction follows strategic equity investments totalling approximately USD 89 million over the last year into Credit Saison India from the Credit Saison Group, through Credit Saison Japan and its international headquarters, Saison International, to support the company's strategic development. This investment demonstrates the Credit Saison Group's continued confidence in Credit Saison India's growth potential and the key role it plays in the Group's global growth strategy. Together, the ECB and equity raised strengthens Credit Saison India's balance sheet and reinforces its position as a leading NBFC in India. Credit Saison India's unique multi-vertical model, spanning embedded financing, wholesale financing, fintech partnerships, and branch-led solutions, has set the stage for the company's fast paced growth. The company continues to deepen its physical presence across India, extending its branch network into newer geographies to bring credit access closer to underserved borrowers.

Credit Saison India secures $500 million in ECB to enhance MSME lending and promote financial inclusion for underserved borrowers.

Credit Saison India, a non-banking financial company and wholly owned subsidiary of Credit Saison Co., has raised $500 million through a multi-currency syndicated loan, its largest-ever external commercial borrowing. The transaction includes participation from six lenders, including the Asian Development Bank and State Bank of India, with funds denominated in US dollars and Japanese yen. The proceeds will expand the company's MSME and secured lending portfolios and support plans to add 50–60 branches in the current fiscal year. The loan, structured with tenors of approximately three and five years, is priced over SOFR. Credit Saison India, which holds AAA ratings from CRISIL and CARE, operates a loan book of approximately ₹17,000 crore and aims to increase MSME loan share to 35% by fiscal 2028.