Monedo Financial Services Private Limited
Monedo Financial Services Private Limited is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 16%.
Data as of 26 Oct 2026
How this yield compares
About this bond
Monedo Financial Services Private Limited is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 16%. It pays a coupon of 13.7% and matures on 19 Jul 2027, a remaining tenure of about 9 mo. It is rated BBB-, a moderate credit-safety grade - the lowest investment-grade band. EquiRize lists this bond with a minimum investment of ₹100K.
Its 16% yield is among the highest we track, placing it 1st of the 315 Corporate bonds on RightBonds - firmly in the top tier. That is 5.60 percentage points above the Corporate median of 10.40% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.15%), it pays roughly 9.85 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 9 mo horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its moderate safety (BBB-) rating, that is a higher-yield, higher-risk profile. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at Monedo Financial Services (INE0I5X07067) at 15.5%, Monedo Financial Services (INE0I5X07075) at 14% and Orange Retail Finance (INE786X07BN6) at 14.75%.
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 16% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 9 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 16.00% | ₹1,11,412 |
| 5% slab | 15.20% | ₹1,10,852 |
| 20% slab | 12.80% | ₹1,09,166 |
| 30% slab | 11.20% | ₹1,08,036 |
At a 13.7% coupon, ₹1,00,000 of face value pays about ₹13,700 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,370 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 0.7 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.15%.
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.
