Security Name: 11.30% ESAF Small Finance Bank Limited 14 May 2031
ISIN: INE818W08149
Taxable
Tax Category
14 May, 2031
Maturity Date
(5 Yr 6 Mo 12 D to mature)
Quarterly
Interest Payment Frequency
Yes
NRI Eligibility
14 Aug, 2025
Allotment Date
NA
Put Date
14 Nov, 2025
Next Interest Payment Date
15 days
Shut Period
Both
Active on NSDL/CDSL
Non-Guaranteed
Type of Guarantee
No
Perpetual
Private Placement
Mode of Issue
Listed
Listing Details
Non Public Sector Undertaking
Type of Issuer
₹NaN
Dirty Price
11.3%
Coupon
Fixed Interest
Coupon Basis
11.3572%
Current Yield
30 Oct, 2025
Record Date
YOUR EARNING
Your Investment
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
Repayment Priority
Higher the level, higher the priority of investment repayment on default
Security with Collateral?
An investment secured with collateral helps
ISSUER
ESAF Small Finance Bank Limited
ESFBL is a Kerala-based small finance bank (SFB), which has commenced its banking operations on March 10, 2017. The bank was promoted by K Paul Thomas who is a part of the Kerala-based ESAF group operating in microfinance space from 1995 (ESAF Microfinance started its operations as an NGO as Evangelical Social Action Forum) and set up ESAF Microfinance & investments Pvt. Limited (EMFIL) in 2007. EMFIL subsequently got SFB license and started its banking operations from March 2017. ESFBL is currently focused on 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 received scheduled status from RBI on December 27, 2018.
The ratio in FY25 is 1.09x and it was 1.72x in FY24, indicating decrease in the debt level due to significant decrease in the borrowings in FY25.
Debt/EBITDA
The ratio in FY25 is 0.71x and it was 1.29x in FY24, indicating decrease in the debt servicing ability of the issuer due to incurred losses compared to previous year profit in FY24.
Interest coverage ratio
Recent News
ESAF Small Finance Bank's Q1 Total Deposits Jump Over 30%
Aug 22, 2024 | ESAF Small Finance Bank Limited
ESAF Small Finance Bank replaces FIS’ Profile with Oracle Flexcube as new banking core
Oct 11, 2024 | ESAF Small Finance Bank Limited
ESAF SFB plans Rs 300-500 crore capital infusion
Oct 01, 2025 | ESAF Small Finance Bank Limited
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STEPS TO BUY THIS BOND
Information required for KYC
PAN Card
Bank Account Proof
Aadhaar Card
Demat Account Proof
How to exit the investment?
To know more about the Bond and the issuer, download the Information Memorandum.
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 INE818W08149 |
|---|
| 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 |
|---|
| 11.30% ESAF Small Finance Bank Limited 14 May 2031 |
| Credit Rating |
|---|
| A-/Negative by CARE |
| Coupon Frequency |
|---|
| Quarterly |
| Face Value |
|---|
| ₹1,00,000 |
| Coupon |
|---|
| 11.300000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 14/05/2031 |
| Security |
|---|
| Unsecured Subordinated Tier 2 |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Nov 03,2025 |
| Principal Amount |
|---|
| ₹99,496.3 |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹0 |
| Total Amount Payable |
|---|
| ₹99,496.3 |
| Price |
|---|
| ₹99.4963 |
| Yield |
|---|
| 0% |
| Year | Payment Date | Amount | Amount after TDS | Payout 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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