Explore / Results / ESAF SMALL FINANCE BANK LIMITED

ESAF SMALL FINANCE BANK LIMITED

Adequate Safety

Adequate Safety

ISIN

INE818W08099

Copied
copy button

Essentials - Subordinate Debt Tier 2

Coupon Rate (Returns)

11.2500 %

Rating

CARE  A

Interest Payment Frequency

MONTHLY

Twelve Times A Year

Maturity Date

May 04, 2029

3 years 9 months

Last Traded
Yield to Maturity (YTM)*

% Effective Returns

Security Class

Bond

Next Interest Payment Date

Aug 04, 2025

Allotment Date

Sep 04, 2023

Call date

-

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

₹ 1,03,836.90

Indicative Principal Amount

(Last Offered Market value * no. of bonds)

₹ 1,03,836.90

Indicative Accrued Interest till Jul 14, 2025

(Interest earned on the bond this year)

308

Total Investment

₹ 1,04,145.12

×

Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

Issue Details

Issue Size

₹ 100 Crores

Private Placement

Listing details

Yes

Debenture Trustee

Catalyst Trusteeship Limited (Formerly GDA Trusteeship Limited)

Issuer Details

ESAF SMALL FINANCE BANK LIMITED

Business Sector

Finance

Link Intime India Private Limited,Mumbai

Registrar Details

Link Intime India Private Limited,Mumbai

Ownership

Non PSU

Security Name

ESAF SMALL FINANCE BANK LIMITED 11.25 BD 04MY29 FVRS1LAC

ESAF SMALL FINANCE BANK LIMITED 11.25 BD 04MY29 FVRS1LAC

ESAF SMALL FINANCE BANK LIMITED 11.25 BD 04MY29 FVRS1LAC

Factors

Yield

High

Issue Size

Large

Rating Category*

A

Tax Saving

No

Mode of Issuance

Private Placement

*Rating Agency -CARE

*as on
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

₹ ₹ 1,04,145.12


Indicative
Principal Amount

₹ ₹ 1,03,836.90

+

Indicative
Accrued Interest

₹ 308

Final Payout


Indicative
Principal Payout

₹ ₹ 1,04,145.12

+

Indicative
Interest Payout

₹ 43,120.000000

Year

Payment Schedule (Date)

Interest Payout (₹)

2025

Monthly

₹ 0

2025

04 Aug

₹ 955.48

2025

04 Sep

₹ 955.48

2025

04 Oct

₹ 924.66

2025

04 Nov

₹ 955.48

2025

04 Dec

₹ 924.66

2026

Monthly

₹ 0

2026

04 Jan

₹ 955.48

2026

04 Feb

₹ 955.48

2026

04 Mar

₹ 863.01

2026

04 Apr

₹ 955.48

2026

04 May

₹ 924.66

2026

04 Jun

₹ 955.48

2026

04 Jul

₹ 924.66

2026

04 Aug

₹ 955.48

2026

04 Sep

₹ 955.48

2026

04 Oct

₹ 924.66

2026

04 Nov

₹ 955.48

2026

04 Dec

₹ 924.66

2027

Monthly

₹ 0

2027

04 Jan

₹ 955.48

2027

04 Feb

₹ 955.48

2027

04 Mar

₹ 863.01

2027

04 Apr

₹ 955.48

2027

04 May

₹ 924.66

2027

04 Jun

₹ 955.48

2027

04 Jul

₹ 924.66

2027

04 Aug

₹ 955.48

2027

04 Sep

₹ 955.48

2027

04 Oct

₹ 924.66

2027

04 Nov

₹ 955.48

2027

04 Dec

₹ 924.66

2028

Monthly

₹ 0

2028

04 Jan

₹ 955.48

2028

04 Feb

₹ 952.87

2028

04 Mar

₹ 891.39

2028

04 Apr

₹ 952.87

2028

04 May

₹ 922.13

2028

04 Jun

₹ 952.87

2028

04 Jul

₹ 922.13

2028

04 Aug

₹ 952.87

2028

04 Sep

₹ 952.87

2028

04 Oct

₹ 922.13

2028

04 Nov

₹ 952.87

2028

04 Dec

₹ 922.13

2029

Monthly

₹ 0

2029

04 Jan

₹ 952.87

2029

04 Feb

₹ 955.48

2029

04 Mar

₹ 863.01

2029

04 Apr

₹ 955.48

2029

04 May

₹ 924.66

Your Investment

Total Investment

₹ 1,04,145.12

Final Payout

Total Payout

1,43,120.000000

2025

2026

2027

2028

2029

Final Payout

Total Payout

1,43,120.000000

Download Cashflow

Know this Issuer

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

ESAF Small Finance Bank

ESAF Small Finance Bank (ESAF SFB) is a NSE & BSE listed, Kerala-based Small Finance Bank (SFB). The bank was reinforced by vision of Mr. K. Paul Thomas who is a part of the Kerala-based ESAF group, operating in microfinance space from 1995.

Financial Performance

Particulars FY25 (₹ in cr) FY24 (₹ in cr) FY23 (₹ in cr)
REVENUE 4329.31 4260.25 3141.57
CRAR% 21.84 23.27 19.83
PAT (521.39) 425.57 302.33
NNPA% 2.99 2.26 1.13
GNPA% 6.87 4.76 2.49
NET WORTH 1945 2486.11 1709.12

Established track record of the bank

Significant increase in the secured loan portfolio in 9MFY25

Adequate capitalisation levels

Consistent growth in deposits

Losses reported in 9MFY25

Moderate asset quality with continued high slippages

Regional concentration of loan portfolio with improvement in single state concentration

What is my risk?

Each bond is regularly evaluated by multiple reputed rating agencies

Credit Rating

A

(Aug 01, 2023)

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

pyramid icon

Repayment Priority

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

Subordinate Tier 2

lock icon

Security with Collateral?

An investment secured with collateral helps

SECURED

UNSECURED

gurantee icon

Type of Guarantee

Guarantee of investment by third-party if company defaults

GUARANTEED

NON GUARANTEED

PARTIAL GUARANTEED

gurantee icon

Want to know more?

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

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.

Still looking for help?