Half yearly ISIN statement on listed privately placed debt: nine NCD series, coupons from 11.00% to 11.65%

ESAF Small Finance Bank has shared its half yearly statement of ISIN details for its privately placed debt securities as on September 30, 2026.

Mon 5 Oct 2026

Statement Date

as on September 30, 2026

NCD Series Covered

9 NCD series

Issuance Period

issued between September 2023 and June 2026

Coupon Rate Range

11.00% to 11.65% a year

Amount Outstanding

For every series, the amount outstanding equals the amount issued

What this update is

The bank has submitted a statement of ISIN details for its privately placed debt securities as on September 30, 2026, for the half year ended September 30, 2026. For each debt series it sets out the ISIN, the date it was issued, its maturity date, the coupon rate, how often interest is paid, and the amount issued and the amount outstanding.

The nine series on the list

• INE818W08099: amount issued 85,00,00,000, coupon 11.25% a year, interest paid monthly, maturity May 04, 2029.
• INE818W08107: amount issued 60,00,00,000, coupon 11.10%, interest paid annually, maturity February 28, 2034.
• INE818W08123: amount issued 85,00,00,000, coupon 11.00%, interest paid semi annually, maturity April 20, 2030.
• INE818W08115: amount issued 50,00,00,000, coupon 11.10%, interest paid semi annually, maturity April 20, 2031.
• INE818W08131: amount issued 65,00,00,000, coupon 11.10%, interest paid quarterly, maturity July 17, 2031.
• INE818W08149: amount issued 50,00,00,000, coupon 11.30%, interest paid quarterly, maturity May 14, 2031.
• INE818W08156: amount issued 150,00,00,000, coupon 11.30%, interest paid quarterly, maturity August 10, 2031.
• INE818W08164: amount issued 150,00,00,000, coupon 11.65%, interest paid quarterly, maturity February 23, 2032.
• INE818W08172: amount issued 85,00,00,000, coupon 11.65%, interest paid quarterly, maturity July 25, 2032.

What a reader can take from it

• The coupon rates run from 11.00% to 11.65% a year, so the interest cost the bank pays on these borrowings sits inside that band.
• For each of the nine series, the amount outstanding equals the amount issued as on the reporting date.
• Every series is marked N. A under both put option and call option details, so these are plain coupon paying debentures.
• The largest single series is 150,00,00,000 and the smallest is 50,00,00,000.
• Maturity dates range from May 04, 2029 to February 28, 2034.
• Interest payment frequency is not uniform: one series pays monthly, one annually, two semi annually and five quarterly.

How this fits for a bank

Banks raise money through such debt securities as part of their borrowing and funding mix, alongside deposits. The coupon rate on each series is the rate the bank pays to the holders of that debt.

What this update is not

This is a periodic statement of the terms of debt already issued and outstanding. It lists the ISINs, the terms and the amounts; it does not announce any fresh borrowing, redemption or change in the terms of any series.

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