It has matured, sold out, or been delisted from the platforms we track, last seen on 1 Jul 2026. The details below are kept as a record of the issue. Compare bonds available now →
IFL Finance
How this yield compares
About this bond
IFL Finance is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 11.25%. It pays a coupon of 11.8% and matures on 26 Feb 2028, a remaining tenure of about 1.6 yr. It is rated BBB, a moderate credit-safety grade. WintWealth lists this bond with a minimum investment of ₹10K.
Its 11.25% yield is well above the market average, ranking 64th of 175 Corporate bonds we list. That is 0.50 percentage points above the Corporate median of 10.75% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.50%), it pays roughly 4.75 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.6 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its moderate safety (BBB) rating, that leans toward the safety-first end. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at IFL Finance (INE01XO07017) at 12.85%, Regency Fincorp (INE964R07101) at 14.5% and Best Capital (INE04UP07170) at 14%.
Bond details
What you keep after tax
Interest on a listed corporate bond is added to your income and taxed at your slab, so the 11.25% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.6 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 11.25% | ₹1,18,253 |
| 5% slab | 10.69% | ₹1,17,314 |
| 20% slab | 9.00% | ₹1,14,514 |
| 30% slab | 7.87% | ₹1,12,661 |
At a 11.8% coupon, ₹1,00,000 of face value pays about ₹11,800 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,180 a year is withheld as TDS - adjustable against your final liability, not an extra tax.
Slab rates only - surcharge and cess are not included, and the figures assume you hold to maturity. Sold on the exchange after 12 months instead, the gain is taxed as long-term capital gains at 12.5%. Not tax advice.
Against a fixed deposit, in rupees
Same ₹1,00,000, same 1.6 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.50%.
Bond figure compounds the yield annually; the FD compounds quarterly, as a cumulative bank FD does. Both are pre-tax and assume the bond is held to maturity and the issuer pays in full - the BBB credit risk is the reason for the gap.