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Esaf Small Finance Bank 11.65% Feb 2032 NCD

A- Unsecured NCD

Esaf Small Finance Bank Limited

Unsecured, Rated, Taxable, Redeemable NCD

Browse: A rated bonds · bonds maturing in 2032

Current YTM
11.51%
Market YTM
Coupon Rate
11.65%
Per annum
Maturity Date
23 Feb 2032
5.5 Yrs to Maturity
Interest Payment
Quarterly
Frequency
Face Value
₹100,000
Per Bond
Market Position
YTM (Annual)
11.51%
Live, last traded 2026-08-26
10Y G-Sec Benchmark
6.68%
Reference point, not this bond's tenor
Spread over G-Sec
+452 bps
vs 5.5Y G-Sec at 6.99%
Top 13% of similar-tenor peers by spread
Tenure
5.5 Years
Remaining to maturity
Price vs Yield
— Price (Clean) — Yield (YTM)
2026-07-30 2026-08-26
Cashflow Timeline
23 Oct 2026
Interest Payment
₹2,912.50 / Bond
23 Jan 2027
Interest Payment
₹2,912.50 / Bond
23 Apr 2027
Interest Payment
₹2,912.50 / Bond
23 Jul 2027
Interest Payment
₹2,912.50 / Bond
23 Oct 2027
Interest Payment
₹2,912.50 / Bond
23 Jan 2028
Interest Payment
₹2,912.50 / Bond
23 Apr 2028
Interest Payment
₹2,912.50 / Bond
23 Jul 2028
Interest Payment
₹2,912.50 / Bond
23 Feb 2032
Principal Payment
₹100,000.00 / Bond

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

Payment Disclosures (SEBI Reg52(4)) 1 disclosed
Due DateTypeAmount DueAmount PaidStatusFiling
2026-07-23 Interest ₹43,600,000.00 ₹43,600,000.00 Paid XBRL →
Non-payment reason: NA

Source: NSE Debt Centralised Database (corporate-interest-payment / corporate-redemption-payment), per SEBI LODR Reg 52(4)/60. Coverage begins 2026-08-02 -- history accumulates as disclosures are broadcast.

Bond Timeline
— Issue / Maturity | Coupon (projected) ◆ Reg52(4) disclosed ┊ Today
Today Interest paid (SEBI Reg52(4) disclosure) — due 2026-07-23 Issued 2026-01-23 Matures 2032-02-23

1 SEBI Reg52(4) disclosed payment — hover a square/diamond for detail.

Key Metrics
Coupon Rate
11.65%
YTM (Annual)
11.51%
Credit Rating
A-
(CARE)
Remaining Tenure
5.5 Years
Advanced metrics
Modified Duration
4.01 Yrs
Macaulay Duration
4.12 Yrs
Issue Size
₹150 Cr
Minimum Investment
₹100,000
(1 Bond)
Market Characteristics
Modified Duration
4.01 Yrs
Price sensitivity per 1% yield move
Payment Frequency
Quarterly
Last Trade
2026-08-26
NSE CM
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 1.65 percentage points above the median for tracked NCD bonds. (based on 18935 tracked NCD bonds with a stated coupon)
Structured Overview Data as of 16 Jul 2026
Instrument Type
NCD
Issue Date
2026-01-23
Day Count Convention
30/360
Listed Exchange
Call / Put Option
None disclosed

Issued by Esaf Small Finance Bank Limited, 11.65% UNSECURED RATED LISTED REDEEMABLE BASEL II COMPLIANT LOWER TIER II SUBORDINATED BONDS IN THE NATURE OF NON CONVERTIBLE DEBENTURES SERIES 4 DATE OF MATURITY 23/02/2032 is a rated, ncd paying a 11.65% p.a. coupon quarterly. The instrument repays principal on maturity.

Recent Market Prices
Trade DateClean PriceYTM (%)Trades
2026-08-26 100.5430 11.5132 None
2026-08-21 100.0000 11.6495 None
2026-08-13 101.0010 11.3988 None
2026-08-12 100.1000 11.6226 None
2026-08-11 101.0000 11.3989 None
2026-08-10 102.1110 11.1264 None
2026-08-07 102.0000 11.1535 None
2026-08-06 102.0000 11.1535 None
2026-08-03 102.0000 11.1535 None
2026-07-30 102.0000 11.1535 None
Data Coverage
DatasetRecordsDetailFreshness
Credit Ratings 1 CARE 2026-01-19
Rating Actions History 0
Secondary-Market Trades 10 NSE CM 2026-08-26
Reg52(4) Payment Disclosures 1 NSE 2026-07-23
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 11.65% Feb 2032 NCD?

Esaf Small Finance Bank 11.65% Feb 2032 NCD carries a coupon of 11.65%, paid quarterly, on a face value of ₹100,000.

When does Esaf Small Finance Bank 11.65% Feb 2032 NCD mature?

Esaf Small Finance Bank 11.65% Feb 2032 NCD matures on 2032-02-23, 5.5 years from today.

What is Esaf Small Finance Bank 11.65% Feb 2032 NCD rated?

Esaf Small Finance Bank 11.65% Feb 2032 NCD is rated A- by CARE. As of 2026-01-19.

Is Esaf Small Finance Bank 11.65% Feb 2032 NCD secured?

Esaf Small Finance Bank 11.65% Feb 2032 NCD is unsecured; holders rank alongside other unsecured creditors in the event of default.

What yield does Esaf Small Finance Bank 11.65% Feb 2032 NCD currently offer?

The last recorded trade on 2026-08-26 priced Esaf Small Finance Bank 11.65% Feb 2032 NCD at ₹100.54, implying a yield to maturity of 11.51%.

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 11.10% Jul 2031 NCD
A
Coupon
11.10%
Maturity
17 Jul 2031
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