Security Name: 9.60% Equitas Small Finance Bank Limited 05 Dec 2030
ISIN:
INE063P08112
Taxable
Tax Category
05 Dec, 2030
Maturity Date
(5 Yr 4 Mo 2 D to mature)
Yearly
Interest Payment Frequency
Yes
NRI Eligibility
05 Dec, 2024
Allotment Date
NA
Put Date
05 Dec, 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
Quote Not Available
Dirty Price
9.6%
Coupon
Fixed Interest
Coupon Basis
Quote Not Available
Current Yield
20 Nov, 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
Equitas Small Finance Bank Limited
ESFB is a Chennai-headquartered SFB, which commenced its banking operations on September 05, 2016. Post its initial public offering (IPO) in October 2020, the bank was listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). The bank completed the amalgamation process of Equitas Holdings Limited with Equitas in February 2023. ESFB is currently focussed on the retail banking business with focus on MF, VF, HF, business loans, loan-against-property (LAP), and providing financing solutions for individuals and MSEs that are underserved by formal financing channels while providing a comprehensive banking and digital platform for all.
The ratio in FY25 is 0.66x and it was 0.52x in FY24, indicating slight increase in the debt level due to the increase in the borrowings in FY25.
Debt/EBITDA
The ratio in FY25 is 1.06x and it was 1.44x in FY24, indicating slight decrease in the debt servicing ability of the issuer due to the bank's Q4 net profit dropped by 80% year-on-year, reaching ₹42.1 crore compared to ₹207.6 crore in the same period last year.
Interest coverage ratio
Recent News
Equitas Small Finance Bank hikes interest rates for savings accounts
Feb 03, 2025 | Equitas Small Finance Bank Limited
Equitas Small Finance Bank total deposits jump but CASA declines
Feb 11, 2025 | Equitas Small Finance Bank Limited
Equitas Small Finance Bank's Ratings Affirmed by India Ratings & Research
Jul 11, 2025 | Equitas 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 INE063P08112 |
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| 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). |
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| Security Name |
|---|
| 9.60% Equitas Small Finance Bank Limited 05 Dec 2030 |
| Credit Rating |
|---|
| AA- Stable by CARE AA- / Stable by IND |
| Coupon Frequency |
|---|
| Yearly |
| Face Value |
|---|
| ₹1,00,000 |
| Coupon |
|---|
| 9.600000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 05/12/2030 |
| Security |
|---|
| Unsecured Subordinated Tier 2 |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
|---|
| Principal Amount |
|---|
| ₹NaN |
| Accrued Interest |
|---|
| ₹0 |
| Stamp Duty |
|---|
| ₹0 |
| Total Amount Payable |
|---|
| ₹NaN |
| Price |
|---|
| ₹NaN |
| Yield |
|---|
| % |
| Year | Payment Date | Amount | Amount after TDS | Payout Type |
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Quote Not Available for purchase
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.
