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Security Name: 11.10% ESAF Small Finance Bank Limited 28 Feb 2034

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ISIN:
INE818W08107
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Taxable

Tax Category

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28 Feb, 2034

Maturity Date
(9 Yr 1 Mo 5 D to mature)

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Yearly

Interest Payment Frequency

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Yes

NRI Eligibility

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29 Feb, 2024

Allotment Date

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NA

Put Date

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30 Mar, 2025

Next Interest Payment Date

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15 days

Shut Period

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Both

Active on NSDL/CDSL

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Non-Guaranteed

Type of Guarantee

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No

Perpetual

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Private Placement

Mode of Issue

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Listed

Listing Details

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Non Public Sector Undertaking

Type of Issuer

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₹NaN

Dirty Price

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11.1%

Coupon

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Fixed Interest

Coupon Basis

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11.2977%

Current Yield

YOUR EARNING

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Your Investment

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Final Payout

₹0

Error Generating Cashflow 😥. We are looking into this.

*All Interest Payments will be subject to TDS (Not Applicable on Government Securities and Tax Free Bonds)
YOUR RISK
Credit Rating
Low SafetyHigh Safety
A Stable
CARE
Subordinated Tier 2

Repayment Priority

Higher the level, higher the priority of investment repayment on default

Unsecured

Security with Collateral?

An investment secured with collateral helps

ISSUER
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ESAF Small Finance Bank Limited

ESAF Small Finance Bank is a Kerala- based Bank, commenced its banking operations on March 2017. ESAF is currently focused in retail banking business with presence in micro-finance, housing finance, business loans, loan against property (LAP), gold loans and providing financing solutions for marginal customers who lack access to the formal banking and financing channels while providing a comprehensive banking and digital platform for all. The bank has its presence in 23 states across 700 branches as on March 31, 2023.

The ratio in FY24 is 1.72x and it was 2.54x in FY23, indicating decrease in debt levels, due to decrease in the borrowings as well as increase in the profitability of the issuer in FY24.

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Debt/EBITDA

The ratio in FY24 is 1.29x and it was 1.30x in FY23, indicating almost no changes in the debt servicing ability of the issuer in FY24.

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Interest coverage ratio

Recent News
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ESAF Small Finance Bank posts 200% surge in Q3 net profit

Mar 27, 2024 | ESAF Small Finance Bank Limited

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ESAF Small Finance Bank's Q1 Total Deposits Jump Over 30%

Aug 22, 2024 | ESAF Small Finance Bank Limited

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ESAF Small Finance Bank replaces FIS’ Profile with Oracle Flexcube as new banking core

Oct 11, 2024 | ESAF Small Finance Bank Limited

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STEPS TO BUY THIS BOND
Complete KYCe-KYC approval in just 5 minutes!Place your OrderSwipe right to buy this Bond.Transfer funds to ICCLUse Net Banking or visit your nearest branch.SettlementSit back and relax, while we deliver your Security!
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How to exit the investment?
At MaturityThe Issuer will return your principal and redeem the bond
Sell your bond anytimeYou can sell your bond anytime you want by reaching out to your Relationship Manager.
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To know more about the Bond and the issuer, download the Information Memorandum.
E-Book
To read about the reasons for the ratings assigned to the Bond, download the Rating Rationale.
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BOND VALUE DETAILS

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Total Investment
Cashflow for INE818W08107
Disclaimer: The actual dates and interest amounts can vary depending on Bank closures, holidays etc. Tax Deducted at Source (TDS) is applicable on interest receivable based on relevant tax regulations. You can avail TDS credit while filing your Income Tax Return (ITR).
Security Name
11.10% ESAF Small Finance Bank Limited 28 Feb 2034
Credit Rating
A Stable by CARE
Coupon Frequency
Yearly
Face Value
₹1,00,000
Coupon
11.100000%
YTM or YTC
YTM
Maturity Date
28/02/2034
Security
Unsecured Subordinated Tier 2
No. of Bonds
1
Settlement Date
Jan 23,2025
Principal Amount
₹98,250
Accrued Interest
₹0
Stamp Duty
₹0
Total Amount Payable
₹98,250
Price
₹98.25
Yield
0%
YearPayment DateAmountPayout Type

Disclaimer: Investments in Debt Securities/ Municipal Debt Securities/ Securitised Debt Instruments are subject to risks including delay and/ or default in payment. Read all the Offer Related documents carefully.

Source: Issuer website, Rating Rationale, Issuer Annual Report, Information Memorandum and News from Google.

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