ESAF Small Finance Bank Limited is an Indian company in the BFSI industry with 9 outstanding bonds (ISINs) recorded on this page. Stated coupons on its fixed-rate bonds range from 11% to 11.65% a year. Maturity dates run from 4 May 2029 to 28 Feb 2034. NSDL records 0 of the 9 whose terms it holds as secured. Latest credit rating on record: CARE A- (Stable) (action dated 1 Sep 2026). Verify current terms against the official documents linked on this page.
Data as of 15 Nov 2026 (snapshot 20261115-2253) · How this page is compiled
Issuer overview
- Legal name
- ESAF Small Finance Bank Limited
- CIN
- L65990KL2016PLC045669
- LEI
- 335800H9TMOMGKSV3Y60
- Company status
- Listed
- Industry
- BFSI
- Business
- Private Sector Bank
- Ownership
- Non PSU
- ISIN issuer code
- INE818W
- Outstanding bonds (ISINs)
- 9 (plus 3 matured)
- Stated coupons (fixed rate)
- 11% – 11.65%
- Maturity dates
- 4 May 2029 – 28 Feb 2034
- Secured (NSDL)
- 0 of 9
- Combined issue size of outstanding bonds
- ₹855 crore
- Traded on
- BSE, NSE
Issue size is the amount each bond raised when it was issued, as recorded by NSDL. It is not the amount still outstanding today (bonds can be partly redeemed or bought back) and not the company's total debt.
ESAF Small Finance Bank bonds: ISIN, coupon and maturity
9 outstanding bonds, by maturity date.
| ISIN | Type | Coupon | Interest paid | Allotted | Maturity | Face value | Issue size (₹ cr) | Security | Guarantee | Traded on | Rating (NSDL) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| INE818W08099 | Subordinated NCD (Tier II) | 11.25% | Yearly | 4 Sep 2023 | 4 May 2029 | ₹1,00,000 | 85.00 | Unsecured | None recorded | BSE | CARE A- 1 Sep 2026 |
| INE818W08123 | Subordinated NCD (Tier II) | 11% | Yearly | 20 Mar 2024 | 20 Apr 2030 | ₹1,00,000 | 85.00 | Unsecured | None recorded | — | CARE A- 1 Sep 2026 |
| INE818W08115 | Subordinated NCD (Tier II) | 11.1% | Yearly | 20 Mar 2024 | 20 Apr 2031 | ₹1,00,000 | 50.00 | Unsecured | None recorded | — | CARE A- 1 Sep 2026 |
| INE818W08149 | Subordinated NCD (Tier II) | 11.3% | Yearly | 14 Aug 2025 | 14 May 2031 | ₹1,00,000 | 75.00 | Unsecured | None recorded | BSE, NSE | CARE A- 1 Sep 2026 |
| INE818W08131 | Subordinated NCD (Tier II) | 11.1% | Yearly | 17 Jul 2025 | 17 Jul 2031 | ₹1,00,000 | 100 | Unsecured | None recorded | NSE | CARE A- 1 Sep 2026 |
| INE818W08156 | Subordinated NCD (Tier II) | 11.3% | Yearly | 10 Nov 2025 | 10 Aug 2031 | ₹1,00,000 | 150 | Unsecured | None recorded | NSE | CARE A- 1 Sep 2026 |
| INE818W08164 | Subordinated NCD (Tier II) | 11.65% | Quarterly | 23 Jan 2026 | 23 Feb 2032 | ₹1,00,000 | 150 | Unsecured | None recorded | BSE, NSE | CARE A- 1 Sep 2026 |
| INE818W08172 | Subordinated NCD (Tier II) | 11.65% | Quarterly | 25 Jun 2026 | 25 Jul 2032 | ₹1,00,000 | 85.00 | Unsecured | None recorded | BSE, NSE | CARE A- 1 Sep 2026 |
| INE818W08107 | Subordinated NCD (Tier II) | 11.1% | Yearly | 29 Feb 2024 | 28 Feb 2034 | ₹1,00,000 | 75.00 | Unsecured | None recorded | — | CARE A- 1 Sep 2026 |
Notes on this table
- Outstanding means the maturity date has not passed, according to the depository record. It does not confirm that a bond has not been redeemed early, called or bought back.
- Type, coupon, interest frequency, allotment date, issue size, security and guarantee are as recorded by NSDL India Bond Info, the depository's record of each ISIN. Search an ISIN on NSDL India Bond Info to see its full record.
- "Secured" and "Guarantee" are NSDL's classification. What the security is, the asset cover and the terms of any guarantee or co-obligor are in the offer document and the debenture trust deed; this page does not infer them.
- Prices and yields are not shown. They change with every trade: see BSE and NSE.
- Terms used in this table: ISIN · Coupon rate · Yield to maturity (YTM) · Secured NCD · Unsecured NCD · Credit rating.
Public NCD issues
| Issuer | Opened | Coupon | Tenor | Rating | Issue size |
|---|---|---|---|---|---|
| ESAF Small Finance Bank | 3 Nov 2023 | — | — | — | — |
Private placements and disclosure documents
| Allotted | ISIN | Redemption | Disclosure documents |
|---|---|---|---|
| 20 Mar 2024 | INE818W08123 | 20 Apr 2030 | Placement memorandum on BSE |
| 20 Mar 2024 | INE818W08115 | 20 Apr 2031 | Placement memorandum on BSE |
| 29 Feb 2024 | INE818W08107 | 28 Feb 2034 | Placement memorandum on BSE |
| 4 Sep 2023 | INE818W08099 | 4 May 2029 | Placement memorandum on BSE |
| 1 Jun 2018 | INE818W08032 | 1 Jun 2025 | Placement memorandum on BSE |
| 28 Mar 2018 | INE818W08024 | 28 Mar 2025 | Placement memorandum on BSE |
| 30 Dec 2017 | INE818W08016 | 30 Dec 2024 | Placement memorandum on BSE |
From BSE's list of privately placed debt. The documents are the issuer's own; the offer document and debenture trust deed are the authoritative source for each bond's terms.
Company details
- Date of incorporation
- 5 May 2016
- Class
- https://www.esaf.bank.in/
- Listed / unlisted
- Listed
- Registered office
- BUILDING NO.VII/83/8, ESAF BHAVAN, THRISSUR-PALAKKAD NATIONAL HIGHWAY, MANNUTHY, THRISSUR - 680651 Kerala
- State
- Kerala
- Registrar of Companies
- Ernakulam
- Authorised capital
- 1,000.00 cr.
- Paid-up capital
- 516.12 cr.
- Last AGM
- 14 Aug 2026
ESAF Small Finance Bank bonds: questions and answers
What bonds has ESAF Small Finance Bank Limited issued?
ESAF Small Finance Bank Limited has 9 outstanding bonds recorded on this page. By type, as described by NSDL: 9 subordinated NCD (tier ii). 3 further ISINs on record have passed their maturity dates and are not counted as outstanding.
What are the ISINs of ESAF Small Finance Bank Limited bonds?
Its 9 outstanding bonds each have their own ISIN, for example INE818W08099, INE818W08123, INE818W08115. All are listed in the bond table on this page. ISINs of this issuer begin with its issuer code, INE818W.
What coupon rates do ESAF Small Finance Bank Limited bonds pay?
Stated coupons on its fixed-rate outstanding bonds range from 11% to 11.65% a year on face value. The bond table gives the coupon and interest frequency of each ISIN. The coupon is not the yield: the yield an investor earns depends on the price paid.
When do ESAF Small Finance Bank Limited bonds mature?
Its outstanding bonds have maturity dates from 4 May 2029 to 28 Feb 2034. The bond table lists the maturity date of each ISIN.
What is the latest CARE credit rating of ESAF Small Finance Bank Limited bonds?
NSDL India Bond Info records CARE A- (Stable) (action dated 1 Sep 2026) on its outstanding bonds. Checked on NSDL on 7 Nov 2026. A rating is the agency's opinion and can change at any time.
Are ESAF Small Finance Bank Limited bonds secured, unsecured or guaranteed?
NSDL records 0 of the 9 outstanding bonds whose terms it holds as secured and 9 as unsecured. None is recorded as guaranteed. What the security is, the asset cover and the terms of any guarantee or co-obligor are set out in the offer document and the debenture trust deed; this page does not infer them.
Where can investors find the original disclosure documents for ESAF Small Finance Bank Limited bonds?
Each ISIN's record, including its terms and rating history, is on NSDL India Bond Info (search the ISIN). The offer document (shelf prospectus, tranche prospectus or general information document and key information document) and the debenture trust deed set out the full terms; listed issuers publish them on BSE or NSE. For the private placements listed on this page, each row links to the disclosure documents on BSE.
How can investors check the current market price or yield of ESAF Small Finance Bank Limited bonds?
This page does not show prices or yields. Trades in these bonds are reported on BSE and NSE, which publish the price and yield of each trade, usually by the end of the trading day. Many corporate bonds trade rarely, so a recent price may not exist; an old trade is not a current price.
Sources and dates
- NSDL India Bond Info: bond terms, issuer identity and ratings by ISIN
- BSE and NSE: bonds that have traded, and their exchange listings
- BSE: privately placed debt securities
- Methodology: how these pages are compiled and checked
Data as of 15 Nov 2026 (snapshot 20261115-2253). Facts on this page last changed on 3 Nov 2026. Rating dates above are the agencies' action dates, which can be much older than the data date. This page is for information only. It is not investment advice, a credit rating or a recommendation to buy, sell or hold any security. Facts are taken from the issuer's own documents and the sources linked on this page; check them with the source before investing.
