This bond is no longer available. It has matured, sold out, or been delisted from the platforms we track, last seen on 11 Sept 2026. The details below are kept as a record of the issue. Compare bonds available now →
Credit Wise
Credit Wise is a corporate bond issued by a company to raise debt from investors, was last listed at a yield to maturity (YTM) of 11.25%.
Data as of 11 Sept 2026
How this yield compares
About this bond
Credit Wise 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 11.15% and matures on 19 Jun 2028, a remaining tenure of about 1.8 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 75th of 265 Corporate bonds we list. That is 0.75 percentage points above the Corporate median of 10.50% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.50%), 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 1.8 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 Credit Wise (INE0LN107071) at 11%, Regency Fincorp (INE964R07135) at 14.5% and DevX (INE0VOV07051) at 14%.
About Credit Wise
Credit Wise Capital Private Limited is a Mumbai based non-deposit taking NBFC incorporated in 2018 that finances two-wheeler purchases through a digital, branchless lending model. The company was founded by Aalesh Avlani and operated across 10 states and 202 cities as of June 2025, with typical loan tenures of two to three years. Assets under management stood at Rs 628 crore as on 31 March 2025 and Rs 655 crore as on 30 September 2025. The company raised Rs 60 crore of equity in the June 2025 quarter, lifting standalone net worth to Rs 178 crore and reducing gearing to around 1.8 times. CRISIL Ratings reaffirmed its Crisil BBB rating with Stable outlook on the company's non-convertible debentures in October 2025, citing a strengthened capital base and comfortable asset quality, balanced against the small scale of operations and limited seasoning of the loan book.
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 1.8 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 11.25% | ₹1,20,775 |
| 5% slab | 10.69% | ₹1,19,696 |
| 20% slab | 9.00% | ₹1,16,484 |
| 30% slab | 7.87% | ₹1,14,363 |
At a 11.15% coupon, ₹1,00,000 of face value pays about ₹11,150 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,115 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 1.8 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.
When you get paid
Interest lands every month, with about 22 payments still to come before 19 Jun 2028, each at the 11.15% coupon rate.
Payment months come from the issuer's schedule. Exact dates within the month, and the amount per payment, depend on the face value of the units you buy - check the term sheet on WintWealth before investing.