Esaf Small Finance Bank Limited

Bank · Financial Services

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Methodology v1.0 Download Report (PDF)
Latest Rating
A- (CARE)
Total Debt Outstanding
₹838 Cr
Across 10 instruments
Listed Bonds
10
First Issue
2017-06-27
Latest Issue
2026-06-25
Maturity Range
2030 - 2034
Observation
10 active bonds tracked from this issuer.
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Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies
01 Issuer Overview
Sector
Financial Services
Issuer Type
Bank
First Tracked Bond
2017-06-27
Start of this issuer's debt program timeline
  • 10 active bonds tracked from this issuer.
  • 0 of 10 tracked bonds with a stated security status are secured. (based on 10 bonds with a disclosed security status)

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 2030 - 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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02 Debt Profile
Outstanding Bonds
10
Tracked by RetailBonds
Amount Tracked
₹838 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt
Avg Coupon
11.45%
Range 11.00% - 13.00%
Avg Remaining Tenure
5.3 Yrs
Nearest maturity 2030-04
Secured
0%
0 of 10 bonds with known status
Callable
2
Of 10 bonds
Avg Spread vs G-Sec
+487 bps
Credit premium (indicative)

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (4 bonds).

0 2030: 1 bond, ₹85 Cr tracked, avg coupon 11.00% 1 bond 2030 2031: 4 bonds, ₹375 Cr tracked, avg coupon 11.20% 4 bonds 2031 2032: 3 bonds, ₹255 Cr tracked, avg coupon 11.52% 3 bonds 2032 2034: 1 bond, ₹75 Cr tracked, avg coupon 11.10% 1 bond 2034 2042+: 1 bond, ₹48 Cr tracked, avg coupon 13.00% 1 bond 2042+

Security Type / Instrument Mix

  • NCD 10 bonds · 100% · ₹838 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2017: ₹48 Cr issued 2017 2022: ₹20 Cr issued 2022 2024: ₹210 Cr issued 2024 2025: ₹325 Cr issued 2025 2026: ₹235 Cr issued 2026 Cumulative: ₹48 Cr Cumulative: ₹68 Cr Cumulative: ₹278 Cr Cumulative: ₹603 Cr Cumulative: ₹838 Cr

Based on 10 of 10 active bonds with a known issue date and issue size.

03 Credit Profile
  • A 9 bonds · 90%
  • Unrated 1 bonds · 10%
AgencyRatingOutlookBonds
CARE A 6
CARE A- 3

Recent Rating Actions

No rating action history available.

04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade
INE818W08123 11% UNSECURED RATED LISTED REDEEMABLE BASEL II COMPLIANT LOWER TIER II SUBORDINATED BOND IN NATURE OF DEBENTURES SERIES 3A DATE OF MATURITY 20/04/2030 11.00% A (CARE) 2030-04-20 11.00% 2026-08-06
INE818W08115 11.10% UNSECURED RATED LISTED REDEEMABLE BASEL II COMPLIANT LOWER TIER II SUBORDINATED BOND IN NATURE OF DEBENTURES SERIES 3B DATE OF MATURITY 20/04/2031 11.10% A (CARE) 2031-04-20 13.01% 2026-08-06
INE818W08149 11.30% UNSECURED RATED LISTED REDEEMABLE NON CONVERTIBLE TIER II BOND IN NATURE OF DEBENTURE SERIES 2 DATE OF MATURITY 14/05/2031 11.30% A (CARE) 2031-05-14 11.01% 2026-08-21
INE818W08131 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 11.10% A (CARE) 2031-07-17 11.15% 2026-08-24
INE818W08156 11.30% UNSECURED RATED LISTED REDEEMABLE TIER II BONDS IN THE NATURE OF NON CONVERTIBLE DEBENTURE SERIES 3 DATE OF MATURITY 10/08/2031 11.30% A- (CARE) 2031-08-10
INE818W08164 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 11.65% A- (CARE) 2032-02-23 11.51% 2026-08-26
INE818W08081 11.25% UNSECURED RATED UNLISTED REDEEMABLE BASEL III COMPLIANT SUBORDINATED TIER II BONDS IN THE FORM OF NON CONVERTIBLE DEBENTURE. LETTER OF ALLOTMENT. DATE OF MATURITY 30/04/2032 11.25% A (CARE) 2032-04-30
INE818W08172 11.65% UNSECURED RATED LISTED REDEEMABLE TIER II NON CONVERTIBLE BONDS IN NATURE OF DEBENTURES SERIES 5 DATE OF MATURITY 25/07/2032 11.65% A- (CARE) 2032-07-25 11.25% 2026-08-26
INE818W08107 11.1% UNSECURED RATED LISTED REDEEMABLE NON CONVERTIBLE BASEL II COMPLIANT LOWER TIER II SUBORDINATED BOND IN NATURE OF DEBENTURE SERIES 2 DATE OF MATURITY 28/02/2034 11.10% A (CARE) 2034-02-28
INE818W08073 13% UNSECURED UNRATED UNLISTED REDEEMABLE NON CONVERTIBLE BASEL III COMPLIANT TIER I PERPETUAL BONDS. SERIES I. LETTER OF ALLOTMENT. 13.00% 9999-12-31
Compare (/) Compare Bonds

YTM and Last Trade depend on secondary-market volume — shown only for bonds with a recorded BSE/NSE trade.

05 Market Activity

Last 30 days, across all outstanding bonds from this issuer.

Traded Value (Last 30 Days)
₹0.0 Cr
Number of Trades (Last 30 Days)
58
Avg. Yield (Last 30 Days)
11.3%
06 Payment Disclosures (SEBI Reg52(4)) 3 disclosed

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 DateBondTypeAmount DueAmount PaidStatusFiling
2026-08-14 11.30% UNSECURED RATED LISTED... Interest ₹14,200,000.00 ₹14,200,000.00 Paid XBRL →
2026-08-10 11.30% UNSECURED RATED LISTED... Interest ₹42,700,000.00 ₹42,700,000.00 Paid XBRL →
2026-07-23 11.65% UNSECURED RATED LISTED... Interest ₹43,600,000.00 ₹43,600,000.00 Paid XBRL →

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

07 Regulatory Filings
08 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 9 2026-06-15
Rating Actions History 0
Secondary-Market Trades 94 2026-08-26
Reg52(4) Payment Disclosures 3 2026-08-14

Methodology version 1.0. See full methodology for sources and limitations.

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Frequently Asked Questions
How many active bonds does Esaf Small Finance Bank Limited have?

Esaf Small Finance Bank Limited currently has 10 active bonds with coupons 11.00% - 13.00%, maturities spanning 2030 - 2034.

What is Esaf Small Finance Bank Limited's credit rating?

The most recent rating on Esaf Small Finance Bank Limited's bonds is A- (CARE), published by CARE.

Are Esaf Small Finance Bank Limited's bonds secured?

Of the 10 bonds with a disclosed security status, 0 are secured (0%) and 10 are unsecured.

When do Esaf Small Finance Bank Limited's bonds mature?

Esaf Small Finance Bank Limited's active bonds mature between 2030 - 2034; the nearest matures in 2030-04; the average tenure is 5.3 Yrs.

What is the average coupon on Esaf Small Finance Bank Limited's bonds?

The average coupon across Esaf Small Finance Bank Limited's 10 active bonds is 11.45%.

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.