Satin Finserv Ltd.
Satin Finserv Ltd. is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 11.8%.
Data as of 20 Oct 2026
How this yield compares
About this bond
Satin Finserv Ltd. is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 11.8%. It pays a coupon of 10.5% and matures on 12 Jan 2029, a remaining tenure of about 2.2 yr. It is rated A-, an adequate credit-safety grade. Groww lists this bond with a minimum investment of ₹10K.
Its 11.8% yield is well above the market average, placing it 61st of the 319 Corporate bonds on RightBonds - firmly in the top tier. That is 1.30 percentage points above the Corporate median of 10.50% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.65%), it pays roughly 5.15 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 2.2 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its high safety (A-) 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 SATIN FINSERV (INE03K307215) at 12.1%, Satin Finserv (INE03K307199) at 11.5% and Hella Infra Market (INE06E507579) at 16%.
About Satin Finserv
Satin Finserv Limited is an NBFC incorporated in August 2018 and headquartered in Gurugram, Haryana. It is a wholly owned subsidiary of Satin Creditcare Network Limited and began operations in March 2019, lending to micro, small and medium enterprises through a retail micro-enterprise vertical and a newer Sustainable and Emerging Businesses vertical. As of 31 March 2026 it operated in 14 states.
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 11.8% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 2.2 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 11.80% | ₹1,28,256 |
| 5% slab | 11.21% | ₹1,26,751 |
| 20% slab | 9.44% | ₹1,22,294 |
| 30% slab | 8.26% | ₹1,19,372 |
At a 10.5% coupon, ₹1,00,000 of face value pays about ₹10,500 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,050 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 2.2 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.65%.
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 A- credit risk is the reason for the gap.
