UTKARSH SMALL FINANCE BANK LIMITED

Adequate Safety

Adequate Safety

ISIN

INE735W08079

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Essentials - Subordinate Debt Tier 2 - Lower

Coupon Rate (Returns)

11.7500 %

Rating

CARE  A-

Interest Payment Frequency

QUARTERLY

Once Every Quarter

Maturity Date

Sep 25, 2033

 

Yield to Call (YTC)

11.2000 %

Effective Returns

Security Class

Bond

Next Interest Payment Date

Dec 25, 2026

Allotment Date

Sep 25, 2026

Call date

Sep 25, 2031

4 years 11 months

Put date

-

Coupon Type

Fixed Interest

Calculate Investment

Minimum bond quantity is

Choose number of bonds you want to buy

Bond Value Details

Face Value

₹1,00,000.00

Market Value

₹1,03,752.50

Principal Amount

(Market value * no. of bonds)

₹1,03,752.50

Accrued Interest
till Oct 05, 2026

(Interest earned on the bond this year)

322

Total Investment

₹1,04,074.42

×

IDBI Trusteeship Services Limited

Issue Details

Issue Size

₹ 300 Crores

Private Placement

Listing details

Yes

Debenture Trustee

IDBI Trusteeship Services Limited

Issuer Details

UTKARSH SMALL FINANCE BANK LIMITED

Business Sector

Private Sector Bank

-

Registrar Details

-

Ownership

Non PSU

Security Name

UTKARSH SMALL FINANCE BANK LIMITED SR A1 11.75 BD 25SP33 FVRS1LAC

UTKARSH SMALL FINANCE BANK LIMITED SR A1 11.75 BD 25SP33 FVRS1LAC

UTKARSH SMALL FINANCE BANK LIMITED SR A1 11.75 BD 25SP33 FVRS1LAC

Factors

Yield

High

Issue Size

Large

Rating Category*

A

Tax Saving

No

Mode of Issuance

Private Placement

*Rating Agency -CARE

Note: Pursuant to the provisions of Section 193 of the Income Tax Act, 1961, as amended, effective from 1st April 2023, TDS will be deducted at the rate of 10% (or such other rates as may be notified from time to time) on any interest payable on any security issued by a company other than securities issued by the Central Government or a State Government. The listing of products above: (a) should not be considered an advertisement, endorsement, or recommendation to invest. Please use your own discretion before you transact. (b) is in compliance with regulatory framework as applicable for Online Bond Platform Provider (c) at their given price or yield are subject to availability and market cut-off timings.

Factors

Yield

High

Issue Size

Large

Rating Category*

A

Tax Saving

No

Mode of Issuance

Private Placement

*Rating Agency - CARE

What can I earn?

Your investment will yield regular returns across the tenure

Download Cashflow


Your Investment

₹ ₹1,04,074.42


Principal Amount

₹ ₹1,03,752.50

+

Accrued Interest

₹ 322

Final Payout

₹


Principal Payout

₹ ₹1,04,074.42

+

Interest Payout

₹ 58,750.000000

Year

Payment Schedule (Date)

Interest Payout (₹)

2026

Quarterly

₹ 0

2026

25 Dec

₹ 2,929.45

2027

Quarterly

₹ 0

2027

25 Mar

₹ 2,897.26

2027

25 Jun

₹ 2,961.64

2027

25 Sep

₹ 2,961.64

2027

25 Dec

₹ 2,929.45

2028

Quarterly

₹ 0

2028

25 Mar

₹ 2,922.06

2028

25 Jun

₹ 2,953.55

2028

25 Sep

₹ 2,953.55

2028

25 Dec

₹ 2,921.45

2029

Quarterly

₹ 0

2029

25 Mar

₹ 2,896.64

2029

25 Jun

₹ 2,961.64

2029

25 Sep

₹ 2,961.64

2029

25 Dec

₹ 2,929.45

2030

Quarterly

₹ 0

2030

25 Mar

₹ 2,897.26

2030

25 Jun

₹ 2,961.64

2030

25 Sep

₹ 2,961.64

2030

25 Dec

₹ 2,929.45

2031

Quarterly

₹ 0

2031

25 Mar

₹ 2,897.26

2031

25 Jun

₹ 2,961.64

2031

25 Sep

₹ 1,00,000.00

Your Investment

Total Investment

₹1,04,074.42

Final Payout

Total Payout

1,58,750.000000

2026

2027

2028

2029

2030

2031

Final Payout

Total Payout

1,58,750.000000

Download Cashflow

Know this Issuer

It's essential to understand the issuer of the bonds where you're investing your money.

Utkarsh Small Finance Bank Limited

Equity Listed on NSE & BSE

Utkarsh Small Finance Bank Limited, regulated by RBI, was incorporated as a wholly-owned subsidiary of Utkarsh CoreInvest Limited (UCL) on April 30, 2016.

Financial Performance

Particulars FY25 (₹ in cr) FY24 (₹ in cr) FY23 (₹ in cr)
NET WORTH 2775 2722 1844
REVENUE 4364.76 3578.75 2804.28
PAT 23.70 497.62 404.5
CRAR% 20.93 22.57 20.64
GNPA% 9.43 2.51 3.23
NNPA% 4.84 0.03 0.39
GEARING (times) 0.79 0.67 1.17

Comfortable capitalisation levels

Stable profitability

Sustained scaling up of operations, however, asset quality remains monitorable

Geographical and product concentration of loan portfolio

Relatively low CASA

Socio-political and regulatory risks inherent in the micro finance industry

What is my risk?

Each bond is regularly evaluated by multiple reputed rating agencies

Credit Rating

A-

(Sep 04, 2026)

Instruments with this rating are considered to have adequate degree of safety regarding timely servicing of financial obligations. Such instruments carry low credit risk.

Credit Outlook

Stable

A Stable outlook indicates that the Rating is likely to remain unchanged

Rating Watch

Under Watch

Not Applicable

Not Applicable

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Repayment Priority

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

Subordinate Tier 2-Lower

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Security with Collateral?

An investment secured with collateral helps

SECURED

UNSECURED

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Type of Guarantee

Guarantee of investment by third-party if company defaults

GUARANTEED

NON GUARANTEED

PARTIAL GUARANTEED

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Want to know more?

Download Issue Documents (Information Memorandum / Termsheet / General Information Document / Key Information Document)

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Current Yield

Coupon Rate of the Bond / Market price of the bond * 100.

11.3250%

11.3250%

How do I buy this bond?

You can follow the steps mentioned to complete your Purchase.

How do I buy this bond?

You can follow the steps mentioned to complete your Purchase.

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