ESAF Small Finance Bank Limited — Bonds & A- (CARE) Rating on senior bonds
Bank · Financial Services
Verify this issuer →- Current ratings CARE A-
- Rating range All current ratings on Tier II / subordinated bonds are A- (CARE 1 Sep 2026)
- Rating direction, 12 months 0 upgrades, 0 downgrades
- Watch / negative outlook None in 12 months
- Issuer not cooperating No such actions in 12 months
- Rating withdrawn, 12 months No withdrawal of this issuer's rating in 12 months
- Newest agency rating Dated 1 Sep 2026
- Payment record 12 payment disclosures since 17 Jul 2026: all on time
- Defaults on record No bond marked defaulted
- Traded in the last 30 days 5 of 11 active bonds had an exchange trade
- Exchange filings, 90 days 0 filings on NSE/BSE
A checklist of published facts, not a rating or a view on credit quality. Ratings are the agencies' own; payment record covers NSE disclosures since 17 Jul 2026; "late" means paid more than 3 days after the due date (next-working-day payments are allowed). Rating range covers every current rating on the issuer's active bonds, with each agency's rating date. Rating actions count only when the agency's heading names this issuer, not pools or trusts it originated; a withdrawal is flagged only when the issuer's rating itself is withdrawn, not a single facility. Rating age uses the newest rating date on file and is flagged when older than 12 months. See methodology.
- 11 active bonds tracked from this issuer.
- 0 of 11 tracked bonds with a stated security status are secured. (based on 11 bonds with a disclosed security status)
- Most recent rating action: reaffirm by CARE on 1 Sep 2026.
ESAF Small Finance Bank Limited, a bank or financial institution in the Financial Services sector, is tracked on RetailBonds.in. Outstanding bonds carry coupons between 11.00% - 13.00%, paid quarterly. Maturities on outstanding bonds fall between 2029 - 2034.
Data sourced from NSDL, BSE, NSE, and registered credit rating agencies. Verify against the issuer's offer document before transacting.
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Maturity Profile
Active bonds maturing, by year. Bar height relative to the tallest year (4 bonds).
Security Type / Instrument Mix
- NCD 11 bonds · 100% · ₹923 Cr tracked
Funding Evolution
Based on 11 of 11 active bonds with a known issue date and issue size.
- A 10 bonds · 91%
- Unrated 1 bond · 9%
| Agency | Rating | Outlook | Bonds |
|---|---|---|---|
| CARE | A- | — | 10 |
Recent Rating Actions
YTM is the market yield from the latest BSE/NSE trade. It shows “—” when that trade is over 30 days old, the bond is under 30 days from maturity, it is a market-linked debenture, or the price failed our checks (hover the dash for the reason). A coupon is never shown as a yield.
Last 30 days, across all outstanding bonds from this issuer.
Interest and redemption payments as broadcast by NSE under SEBI LODR Reg 52(4)/60, across all outstanding bonds from this issuer -- actual disclosed events, not a projected schedule.
| Due Date | Bond | Type | Amount Due | Amount Paid | Status | Filing |
|---|---|---|---|---|---|---|
| 4 Nov 2026 | ESAFSFBL-11.25%-4-5-29-PVT | Interest | ₹81,00,000.00 | ₹81,00,000.00 | Paid | XBRL → |
| 23 Oct 2026 | 11.65% UNSECURED RATED LISTED... | Interest | ₹4,40,00,000.00 | ₹4,40,00,000.00 | Paid | XBRL → |
| 17 Oct 2026 | 11.10% UNSECURED RATED LISTED... | Interest | ₹1,82,00,000.00 | ₹1,82,00,000.00 | Paid | XBRL → |
| 4 Oct 2026 | ESAFSFBL-11.25%-4-5-29-PVT | Interest | ₹79,00,000.00 | ₹79,00,000.00 | Paid | XBRL → |
| 25 Sep 2026 | 11.65% UNSECURED RATED LISTED... | Interest | ₹2,50,00,000.00 | ₹2,50,00,000.00 | Paid | XBRL → |
| 20 Sep 2026 | 11% UNSECURED RATED LISTED... | Interest | ₹4,71,00,000.00 | ₹4,71,00,000.00 | Paid | XBRL → |
| 20 Sep 2026 | 11.10% UNSECURED RATED LISTED... | Interest | ₹2,80,00,000.00 | ₹2,80,00,000.00 | Paid | XBRL → |
| 4 Sep 2026 | ESAFSFBL-11.25%-4-5-29-PVT | Interest | ₹81,00,000.00 | ₹81,00,000.00 | Paid | XBRL → |
| 14 Aug 2026 | 11.30% UNSECURED RATED LISTED... | Interest | ₹1,42,00,000.00 | ₹1,42,00,000.00 | Paid | XBRL → |
| 10 Aug 2026 | 11.30% UNSECURED RATED LISTED... | Interest | ₹4,27,00,000.00 | ₹4,27,00,000.00 | Paid | XBRL → |
| 4 Aug 2026 | ESAFSFBL-11.25%-4-5-29-PVT | Interest | ₹81,00,000.00 | ₹81,00,000.00 | Paid | XBRL → |
| 23 Jul 2026 | 11.65% UNSECURED RATED LISTED... | Interest | ₹4,36,00,000.00 | ₹4,36,00,000.00 | Paid | XBRL → |
Source: NSE Debt Centralised Database, per SEBI LODR Reg 52(4)/60. Coverage begins 2 Aug 2026 — history accumulates as disclosures are broadcast.
| Dataset | Count | Freshness |
|---|---|---|
| Credit Ratings (current) | 10 | 2026-09-01 |
| Rating Actions History | 1 | 2026-09-01 |
| Secondary-Market Trades | 197 | 2026-11-06 |
| Reg52(4) Payment Disclosures | 12 | 2026-11-04 |
Methodology version 1.0. See full methodology for sources and limitations.
Related Issuers
All issuers →How many active bonds does ESAF Small Finance Bank Limited have?
ESAF Small Finance Bank Limited currently has 11 active bonds with coupons of 11.00% - 13.00%, maturities spanning 2029 - 2034.
What is ESAF Small Finance Bank Limited's credit rating?
The most common current rating on ESAF Small Finance Bank Limited's senior bonds is A- (CARE). Ratings on file come from CARE. Other instrument classes: Tier II / subordinated: A- (CARE).
Are ESAF Small Finance Bank Limited's bonds secured?
Of the 11 bonds with a disclosed security status, 0 are secured (0%) and 11 are unsecured.
When do ESAF Small Finance Bank Limited's bonds mature?
ESAF Small Finance Bank Limited's active bonds mature between 2029 - 2034; the nearest matures in May 2029; the average tenure is 4.8 Yrs.
What is the average coupon on ESAF Small Finance Bank Limited's bonds?
The average coupon across ESAF Small Finance Bank Limited's 11 active bonds is 11.43%.
Disclaimer: This page aggregates publicly available data about ESAF Small Finance Bank Limited for informational purposes only. Ratings shown are the opinion of the issuing rating agency and are not buy/sell recommendations. RetailBonds.in does not issue its own ratings or investment advice. Verify all data against the issuer’s offer document before transacting.