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Security Name: 11.30% ESAF Small Finance Bank Limited 14 May 2031

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ISIN: INE818W08149

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Taxable

Tax Category

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14 May, 2031

Maturity Date
(5 Yr 7 Mo 4 D to mature)

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Quarterly

Interest Payment Frequency

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Yes

NRI Eligibility

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14 Aug, 2025

Allotment Date

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NA

Put Date

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14 Nov, 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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11.3%

Coupon

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Fixed Interest

Coupon Basis

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11.3543%

Current Yield

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30 Oct, 2025

Record Date

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-/Negative
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

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.

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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.

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Interest coverage ratio

Recent News

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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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ESAF SFB plans Rs 300-500 crore capital infusion

Oct 01, 2025 | ESAF Small Finance Bank Limited

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How to exit the investment?

At MaturityThe Issuer will return your principal and redeem the bond
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E-Book

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.

Clean Price
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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
Oct 09,2025
Principal Amount
₹99,521.4
Accrued Interest
₹0
Stamp Duty
₹0
Total Amount Payable
₹99,521.4
Price
₹99.5214
Yield
0%
YearPayment DateAmountAmount after TDSPayout 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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