Security Name: 11.65% ESAF Small Finance Bank Limited 23 Feb 2032
ISIN: INE818W08164
Taxable
Tax Category
23 Feb, 2032
Maturity Date
(5 Yr 11 Mo 26 D to mature)
Quarterly
Interest Payment Frequency
Yes
NRI Eligibility
23 Jan, 2026
Allotment Date
NA
Put Date
23 Apr, 2026
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
11.65%
Coupon
Fixed Interest
Coupon Basis
11.5920%
Current Yield
08 Apr, 2026
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
Risk gauge from Low to High Safety. Needle points between Medium and High Safety. Credit rating is A-/Negative (CARE).
| Rating agency | Rating | Needle position |
|---|---|---|
| CARE | A-/Negative | between Medium and High Safety |
Repayment Priority
Higher the level, higher the priority of investment repayment on default
Security with Collateral?
An investment secured with collateral helps
LIQUIDITY INDICATOR #
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Transaction Count
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Volume Traded
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(since 3 months)
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Volume Traded
(since 3 months) (in Lakhs)
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ISSUER
Promoted by K. Paul Thomas, ESAF Small Finance Bank (ESFBL) launched on March 10, 2017, evolving from the Kerala-based ESAF microfinance group (est. 1995). Now an RBI-scheduled bank (since 2018), it provides digital retail banking and specialized lending—including microfinance, housing, and gold loans—specifically for underserved populations lacking access to formal finance.
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
Aug 22, 2024 | ESAF Small Finance Bank Limited
Oct 11, 2024 | ESAF Small Finance Bank Limited
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.
Principal Amount
Accrued Interest from
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BOND VALUE DETAILS
Face Value
Market Value
Stamp Duty
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Total Investment
| Cashflow for INE818W08164 |
|---|
| 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 |
|---|
| 11.65% ESAF Small Finance Bank Limited 23 Feb 2032 |
| Credit Rating |
|---|
| A-/Negative by CARE |
| Coupon Frequency |
|---|
| Quarterly |
| Face Value |
|---|
| ₹1,00,000 |
| Coupon |
|---|
| 11.650000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 23/02/2032 |
| Security |
|---|
| Unsecured Subordinated Tier 2 |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Feb 26,2026 |
| Principal Amount |
|---|
| ₹1,00,500 |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹0 |
| Total Amount Payable |
|---|
| ₹1,00,500 |
| Price |
|---|
| ₹100.5 |
| 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.
