Sk Finance Limited is an Indian company in the BFSI industry (formerly Ess Kay Fincorp Limited and Ess Kay Fincorp Private Limited and Ess Kay Auto Finance Private Limited) with 13 outstanding bonds (ISINs) recorded on this page. It is also the originator behind one outstanding pass-through certificate (PTC) of Naomi 05 2024. Stated coupons on its fixed-rate bonds range from 9.1% to 12.05% a year. Maturity dates run from 23 Dec 2026 to 25 Nov 2030. NSDL records all 13 whose terms it holds as secured. Latest credit ratings on record: India Ratings AA- (Positive) (action dated 28 Oct 2026); ICRA AA- (Stable) (action dated 18 Sep 2026); CRISIL A+ (Stable) (action dated 9 Feb 2022). Verify current terms against the official documents linked on this page.
Data as of 13 Nov 2026 (snapshot 20261113-2049) · How this page is compiled
Issuer overview
- Outstanding pass-through certificates (ISINs)
- 1
- Pass-through scheme
- Naomi 05 2024
- Legal name
- Sk Finance Limited
- Formerly
- Ess Kay Fincorp Limited; Ess Kay Fincorp Private Limited; Ess Kay Auto Finance Private Limited
- CIN
- U65923RJ1994PLC009051
- LEI
- 33580098QG6CT1QH8721
- Industry
- BFSI
- Business
- Non-Banking Financial Company (NBFC)
- Ownership
- Non PSU
- ISIN issuer codes
- INE124N, INE0WLO
- Outstanding bonds (ISINs)
- 13 (plus 48 matured)
- Stated coupons (fixed rate)
- 9.1% – 12.05%
- Maturity dates
- 23 Dec 2026 – 25 Nov 2030
- Secured (NSDL)
- 13 of 13
- Combined issue size of outstanding bonds
- ₹3,481 crore
- Traded on
- BSE
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.
Sk Finance bonds: ISIN, coupon and maturity
13 outstanding bonds, by maturity date.
| ISIN | Type | Coupon | Interest paid | Allotted | Maturity | Face value | Issue size (₹ cr) | Security | Guarantee | Traded on | Rating (NSDL) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| INE124N07358 | NCD | 12.05% | Half-yearly | 23 Dec 2019 | 23 Dec 2026 | ₹10,00,000 | 86.00 | Secured | None recorded | — | CRISIL A+ 9 Feb 2022 |
| INE124N07697 | NCD | 9.25% | Yearly | 9 May 2024 | 9 May 2027 | ₹1,00,000 | 375 | Secured | None recorded | — | ICRA AA- 18 Sep 2026 |
| INE124N07754 | NCD | 9.25% | Yearly | 15 Jan 2025 | 15 Jul 2027 | ₹1,00,000 | 350 | Secured | None recorded | — | ICRA AA- 18 Sep 2026 |
| INE124N07713 | NCD | 9.25% | Yearly | 19 Jun 2024 | 19 Sep 2027 | ₹1,00,000 | 100 | Secured | None recorded | — | ICRA AA- 18 Sep 2026 |
| INE124N07739 | NCD | 9.25% | Yearly | 10 Oct 2024 | 10 Oct 2027 | ₹1,00,000 | 250 | Secured | None recorded | — | India Ratings AA- 28 Oct 2026 |
| INE124N07762 | NCD | 9.25% | Yearly | 24 Apr 2025 | 24 Oct 2027 | ₹1,00,000 | 300 | Secured | None recorded | BSE | ICRA AA- 18 Sep 2026 |
| INE124N07747 | NCD | 9.25% | Quarterly | 2 Jan 2025 | 2 Jan 2028 | ₹1,00,000 | 125 | Secured | None recorded | — | ICRA AA- 18 Sep 2026 |
| INE124N07804 | NCD | 9.1% | Yearly | 9 Jul 2026 | 9 Jul 2028 | ₹1,00,000 | 200 | Secured | None recorded | — | India Ratings AA- 28 Oct 2026 |
| INE124N07770 | NCD | 9.1% | Yearly | 9 Oct 2025 | 9 Oct 2028 | ₹1,00,000 | 250 | Secured | None recorded | BSE | ICRA AA- 18 Sep 2026 |
| INE124N07796 | NCD | 9.1% | Yearly | 16 Feb 2026 | 16 Feb 2029 | ₹1,00,000 | 250 | Secured | None recorded | — | India Ratings AA- 28 Oct 2026 |
| INE124N07812 | NCD | 9.25% | Yearly | 16 Jul 2026 | 16 Jul 2029 | ₹1,00,000 | 250 | Secured | None recorded | — | India Ratings AA- 28 Oct 2026 |
| INE124N07820 | NCD | 9.1% | Yearly | 12 Aug 2026 | 10 Aug 2029 | ₹1,00,000 | 500 | Secured | None recorded | BSE | India Ratings AA- 28 Oct 2026 |
| INE124N07788 | NCD | 9.21% | Yearly | 25 Nov 2025 | 25 Nov 2030 | ₹1,00,000 | 445 | Secured | None recorded | — | India Ratings AA- 28 Oct 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.
Sk Finance pass-through certificates (PTCs): schemes, ISINs and maturity
1 outstanding PTC in 1 scheme · by scheme, then maturity
| Scheme | ISIN | Series | Coupon | Maturity | Interest | Trustee | Traded on | Rating (NSDL) |
|---|---|---|---|---|---|---|---|---|
| Naomi 05 2024 | INE0WLO15020 | Senior Tranche A1(b) | 8.9% | 25 Oct 2029 | As per payout schedule | Catalyst Trusteeship Limited | Not traded | — |
Notes on this table
Each scheme is a securitisation trust with its own ISIN issuer code. PTCs usually repay part of the principal every month as the pool pays down, so the amount outstanding is lower than the amount issued. Coupons are as recorded by CDSL, NSDL or the exchanges; for an equity or junior tranche there may be no fixed coupon. Ratings of PTCs carry the suffix "(SO)". Series, trustee and originator are from CDSL's list of securitised debt instruments where it has the ISIN; schemes held at NSDL are listed when they trade or are placed on BSE.
Private placements and disclosure documents
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.
Sk Finance bonds: questions and answers
What bonds has Sk Finance Limited issued?
Sk Finance Limited has 13 outstanding bonds recorded on this page. By type, as described by NSDL: 13 NCDs. 48 further ISINs on record have passed their maturity dates and are not counted as outstanding.
What are the ISINs of Sk Finance Limited bonds?
Its 13 outstanding bonds each have their own ISIN, for example INE124N07358, INE124N07697, INE124N07754. All are listed in the bond table on this page. ISINs of this issuer begin with its issuer code, INE124N / INE0WLO.
What coupon rates do Sk Finance Limited bonds pay?
Stated coupons on its fixed-rate outstanding bonds range from 9.1% to 12.05% 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 Sk Finance Limited bonds mature?
Its outstanding bonds have maturity dates from 23 Dec 2026 to 25 Nov 2030. The bond table lists the maturity date of each ISIN.
What is the latest credit rating of Sk Finance Limited bonds?
NSDL India Bond Info records India Ratings AA- (Positive) (action dated 28 Oct 2026); ICRA AA- (Stable) (action dated 18 Sep 2026); CRISIL A+ (Stable) (action dated 9 Feb 2022) 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 Sk Finance Limited bonds secured, unsecured or guaranteed?
NSDL records all 13 outstanding bonds whose terms it holds as secured. 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.
Is Sk Finance Limited the same company as Ess Kay Fincorp Limited?
Yes. Sk Finance Limited was formerly known as Ess Kay Fincorp Limited and Ess Kay Fincorp Private Limited and Ess Kay Auto Finance Private Limited; bonds issued under the earlier name are obligations of the same company. Its Corporate Identification Number (CIN) is U65923RJ1994PLC009051.
Where can investors find the original disclosure documents for Sk Finance 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 Sk Finance Limited bonds?
This page does not show prices or yields. Trades in these bonds are reported on BSE, 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.
Which pass-through schemes are listed under Sk Finance Limited?
Sk Finance Limited has one scheme with outstanding pass-through certificates on this page: Naomi 05 2024, with 1 outstanding PTC ISIN in all.
What is a pass-through certificate (PTC)?
A pass-through certificate is a debt security issued by a securitisation trust. A lender sells a pool of loans or receivables to the trust, and the trust passes the repayments it collects to the certificate holders. Payments depend on how the pool performs and on any credit enhancement, not on the general funds of the lender. Ratings of PTCs carry the suffix "(SO)", structured obligation.
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
- CDSL: list of securitised debt instruments (pass-through certificates, with trust, series, trustee and originator)
- BSE: privately placed debt securities
- Methodology: how these pages are compiled and checked
Data as of 13 Nov 2026 (snapshot 20261113-2049). Facts on this page last changed on 9 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.
