ESAF Small Finance Bank Limited has announced a board meeting scheduled for January 30, 2026, to review and approve its quarterly financial performance. The meeting represents a key milestone in the bank's regulatory compliance and investor communication process.

Board Meeting Details

The Board of Directors will convene on Friday, January 30, 2026, with the primary agenda focusing on the unaudited standalone financial results for the quarter ended December 31, 2025. The meeting has been scheduled in accordance with Regulation 29(1) and 50(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Trading Window Restrictions

ESAF Small Finance Bank has implemented mandatory trading restrictions in compliance with insider trading regulations. The trading window for dealing in equity shares and securities has been closed for designated persons and their immediate relatives. This closure period extends from January 1, 2026, through February 1, 2026, ending 48 hours after the financial results announcement.

The restrictions align with the bank's Code of Conduct, adopted pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015, ensuring fair market practices and preventing information asymmetry.

Regulatory Compliance and Transparency

The bank maintains transparency through multiple communication channels. The intimation regarding the board meeting has been made available on the bank's official website under the investor relations section. This accessibility ensures all stakeholders have equal access to material information.

ESAF Small Finance Bank operates under RBI License No. MUM 124 and maintains its registered and corporate office in Thrissur, Kerala. The bank continues to fulfill its listing obligations across both BSE (Scrip Code: 544020) and NSE (Symbol: ESAFSFB), demonstrating commitment to regulatory compliance and investor protection.

ESAF Small Finance Bank Limited has successfully completed a significant debt capital raising exercise through the allotment of non-convertible debentures worth ₹150.00 crores. The bank's Allotment Committee of Executives approved this strategic financing initiative on January 23, 2026, at 2:45 P.M., marking an important milestone in the bank's capital management strategy.

Debenture Allotment Details

The allotment comprises 15,000 non-convertible debentures, each carrying a face value of ₹1,00,000.00. These instruments are structured as listed, rated, taxable, unsecured, transferable, redeemable, fully paid-up Basel II compliant lower Tier II subordinated bonds issued on a private placement basis.

Interest and Tenure Structure

The debentures offer attractive terms for investors with a fixed coupon rate of 11.65% per annum. The interest payment follows a quarterly schedule, providing regular income streams for debenture holders. The instruments carry a tenure of 73 months from the allotment date, with redemption scheduled at maturity on February 23, 2032.

Listing and Compliance Framework

The non-convertible debentures are proposed to be listed on the Negotiated Trade Reporting Platform under New Debt Market (NTRP) of the National Stock Exchange of India Limited. This listing will provide liquidity options for investors and enhance the tradability of the instruments. The issuance complies with Basel II norms as lower Tier II subordinated bonds, strengthening the bank's regulatory capital position.

Regulatory Disclosure

ESAF Small Finance Bank Limited has fulfilled its disclosure obligations under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The bank communicated the allotment details to both BSE Limited and National Stock Exchange of India Limited, ensuring transparency and regulatory compliance. The debentures carry no special rights, interests, or privileges, and are structured as standard debt instruments with redemption at maturity.

This successful debenture allotment represents ESAF Small Finance Bank's continued access to debt capital markets and its ability to raise funds through diversified financing channels. The proceeds from this issuance will support the bank's business operations and growth initiatives while maintaining compliance with regulatory capital requirements.