E

Esaf Small Finance Bank 11.10% Jul 2031 NCD

A Unsecured NCD

Esaf Small Finance Bank Limited

Unsecured, Rated, Taxable, Redeemable NCD

Browse: A rated bonds · bonds maturing in 2031

Current YTM
11.85%
Market YTM
Coupon Rate
11.10%
Per annum
Maturity Date
17 Jul 2031
4.9 Yrs to Maturity
Interest Payment
Quarterly
Frequency
Face Value
₹100,000
Per Bond
Market Position
YTM (Annual)
11.85%
Live, last traded 2026-08-27
10Y G-Sec Benchmark
6.66%
Reference point, not this bond's tenor
Spread over G-Sec
+539 bps
vs 4.9Y G-Sec at 6.46%
Top 16% of similar-tenor peers by spread
Tenure
4.9 Years
Remaining to maturity
Price vs Yield
— Price (Clean) — Yield (YTM)
2026-07-31 2026-08-27
Cashflow Timeline
17 Oct 2026
Interest Payment
₹2,775.00 / Bond
17 Jan 2027
Interest Payment
₹2,775.00 / Bond
17 Apr 2027
Interest Payment
₹2,775.00 / Bond
17 Jul 2027
Interest Payment
₹2,775.00 / Bond
17 Oct 2027
Interest Payment
₹2,775.00 / Bond
17 Jan 2028
Interest Payment
₹2,775.00 / Bond
17 Apr 2028
Interest Payment
₹2,775.00 / Bond
17 Jul 2028
Interest Payment
₹2,775.00 / Bond
17 Jul 2031
Principal Payment
₹100,000.00 / Bond

Next 8 coupons + principal at maturity · per ₹100,000 face value

Bond Timeline
— Issue / Maturity | Coupon (projected) ┊ Today
Today Issued 2025-07-17 Matures 2031-07-17
Key Metrics
Coupon Rate
11.10%
YTM (Annual)
11.85%
Credit Rating
A
(CARE)
Remaining Tenure
4.9 Years
Advanced metrics
Modified Duration
3.66 Yrs
Macaulay Duration
3.77 Yrs
Issue Size
₹100 Cr
Minimum Investment
₹100,000
(1 Bond)
Market Characteristics
Modified Duration
3.66 Yrs
Price sensitivity per 1% yield move
Payment Frequency
Quarterly
Last Trade
2026-08-27
BSE
Trades (30 Days)
11
Exchange-reported sessions
Security Status
Unsecured
No call option
Observations
  • This bond is unsecured.
  • 11 secondary-market trades recorded in the last 30 days.
  • Coupon is 1.10 percentage points above the median for tracked NCD bonds. (based on 18927 tracked NCD bonds with a stated coupon)
Structured Overview Data as of 16 Jul 2026
Instrument Type
NCD
Issue Date
2025-07-17
Day Count Convention
30/360
Listed Exchange
Call / Put Option
None disclosed

Issued by Esaf Small Finance Bank Limited, 11.10% UNSECURED RATED LISTED REDEEMABLE NON CONVERTIBLE BASEL II COMPLIANT LOWER TIER II SUBORDINATED BOND IN NATURE OF DEBENTURES SERIES 1 DATE OF MATURITY 17/07/2031 is a rated, ncd paying a 11.10% p.a. coupon quarterly. The instrument repays principal on maturity.

Recent Market Prices
Trade DateClean PriceYTM (%)Trades
2026-08-27 99.0100 11.8500 1
2026-08-24 101.4300 11.1500 4
2026-08-20 99.0000 11.8500 1
2026-08-17 99.0000 11.8500 2
2026-08-10 101.1000 11.2500 2
2026-08-07 101.1000 11.2500 2
2026-08-06 101.0900 11.2500 1
2026-08-05 100.0000 11.0964 None
2026-08-04 96.8100 12.5000 1
2026-07-31 100.5000 10.9559 None
Data Coverage
DatasetRecordsDetailFreshness
Credit Ratings 1 CARE 2025-03-13
Rating Actions History 0
Secondary-Market Trades 10 BSE 2026-08-27
Reg52(4) Payment Disclosures 0
Documents
Entity metadata
Source
nsdl_master_promoted
Last Updated
16 Jul 2026

Risk warning: This page is for informational purposes only. Bond investments carry credit risk, interest rate risk, and liquidity risk. Credit ratings reflect agency opinion at a point in time. Nothing here constitutes investment advice or a recommendation. Verify all details against the issuer's offer document and the exchange. RetailBonds.in is not a SEBI-registered intermediary. See our full disclaimer.

Frequently Asked Questions
What is the coupon rate on Esaf Small Finance Bank 11.10% Jul 2031 NCD?

Esaf Small Finance Bank 11.10% Jul 2031 NCD carries a coupon of 11.10%, paid quarterly, on a face value of ₹100,000.

When does Esaf Small Finance Bank 11.10% Jul 2031 NCD mature?

Esaf Small Finance Bank 11.10% Jul 2031 NCD matures on 2031-07-17, 4.9 years from today.

What is Esaf Small Finance Bank 11.10% Jul 2031 NCD rated?

Esaf Small Finance Bank 11.10% Jul 2031 NCD is rated A by CARE. As of 2025-03-13.

Is Esaf Small Finance Bank 11.10% Jul 2031 NCD secured?

Esaf Small Finance Bank 11.10% Jul 2031 NCD is unsecured; holders rank alongside other unsecured creditors in the event of default.

What yield does Esaf Small Finance Bank 11.10% Jul 2031 NCD currently offer?

The last recorded trade on 2026-08-27 priced Esaf Small Finance Bank 11.10% Jul 2031 NCD at ₹99.01, implying a yield to maturity of 11.85%.

More Bonds from This Issuer
1
Esaf Small Finance Bank 11.00% Apr 2030 NCD
A
Coupon
11.00%
Maturity
20 Apr 2030
1
Esaf Small Finance Bank 11.10% Apr 2031 NCD
A
Coupon
11.10%
Maturity
20 Apr 2031
1
Esaf Small Finance Bank 11.30% May 2031 NCD
Coupon
11.30%
Maturity
14 May 2031
1
Esaf Small Finance Bank 11.30% Aug 2031 NCD
Coupon
11.30%
Maturity
10 Aug 2031
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