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ESAF SMALL FINANCE BANK LIMITED
Sector Focus
Diversified NBFC
Highest Credit Rating
A (Stable) by CARE RATINGS LIMITED
Aug 21, 2024
Yield
11.3908% XIRR
Coupon
11.1000 % p.a
Rating
A (Stable)
ISIN
INE818W08115
Maturity Date
20 Apr, 2031
Key Strengths
Successful IPO Listing
ESAF SFB successfully listed on the NSE and BSE in November 2023 with an issue price of ₹60 per share. Net proceeds from the IPO totaled ₹348.3 crore
Experienced Management Team
Led by K Paul Thomas, who holds a 6.06% stake in ESAF SFB as of July 31, 2024, the bank benefits from a seasoned management team with over 34 years of combined industry experience, including more than 25 years in the microfinance sector
Strong Liability Franchise
The bank boasts a robust liability franchise with retail deposits accounting for 92.45% of its total deposits. As of March 31, 2024, the average cost of borrowing was a competitive 7.38%
Adequate Capitalization
ESAF SFB maintained a healthy Capital Adequacy Ratio (CRAR) of 23.27% as of March 31, 2024
Rapid Asset Growth
Gross advances have more than doubled from ₹8415 crore in March 2021 to ₹19,659 crore as of March 2024, reflecting strong growth in the bank's lending portfolio
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Note:
The listing of products above should not be considered an endorsement or recommendation to invest. Please use your own discretion before you transact. The listed products and their price or yield are subject to availability and market cutoff times. Pursuant to the provisions of Section 193 of Income Tax Act, 1961, as amended, with effect from, 1st April 2023, TDS will be deducted @ 10% on any interest payable on any security issued by a company (i.e. securities other than securities issued by the Central Government or a State Government).
Note: The listing of products above should not be considered an endorsement or recommendation to invest. Please use your own discretion before you transact. The listed products and their price or yield are subject to availability and market cutoff times. Pursuant to the provisions of Section 193 of Income Tax Act, 1961, as amended, with effect from, 1st April 2023, TDS will be deducted @ 10% on any interest payable on any security issued by a company (i.e. securities other than securities issued by the Central Government or a State Government).
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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