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It has only a BB+ rating and please don''t give wrong information intentionally. Then why should some one put money into such bogus unheard companies at such low interest rates when even LIC bonus offers are that much. National saving certifiacte has a better rate. Gold loan business in general and this comapny in particular is strggling and from prospectus it is clear that this company is sinking and current mobilisation is to rrepay old NCD which means they walked into a liquidity crisis. So my idea is to stay away from such bogus fraud companies.