This bond is no longer available. 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 →
Keertana Finserv Private Limited
Keertana Finserv Private Limited is a corporate bond issued by a company to raise debt from investors, was last listed at a yield to maturity (YTM) of 12.8%.
Data as of 1 Jul 2026
How this yield compares
About this bond
Keertana Finserv Private Limited is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 12.8%. It pays a coupon of 12.8% and matures on 8 Jan 2027, a remaining tenure of about 3 mo. It is rated BBB+, a moderate credit-safety grade. Jiraaf lists this bond with a minimum investment of ₹43K.
Its 12.8% yield is well above the market average, placing it 37th of the 319 Corporate bonds on RightBonds - firmly in the top tier. That is 2.30 percentage points above the Corporate median of 10.50% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (5.15%), it pays roughly 7.65 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 3 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 Keertana Finserv (INE0NES07303) at 11.6%, Keertana Finserv (INE0NES07287) at 11.5% and Keertana Finserv (INE0NES07261) at 11.15%.
About Keertana Finserv
Keertana Finserv Limited was incorporated as a private limited company in 1996 and lends against gold alongside joint liability group and MSME loans, operating 443 branches as on June 30, 2025. CRISIL's rating reflects the scale-up of operations, the promoter's long-standing experience in retail lending and adequate capitalisation supported by regular equity infusions. Gross NPAs rose from 0.79% at the end of FY25 to 2.16% by June 30, 2025.
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 12.8% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 3 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 12.80% | ₹1,02,670 |
| 5% slab | 12.16% | ₹1,02,543 |
| 20% slab | 10.24% | ₹1,02,156 |
| 30% slab | 8.96% | ₹1,01,895 |
At a 12.8% coupon, ₹1,00,000 of face value pays about ₹12,800 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,280 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 0.2 years, one in this bond and one in a tenure-matched SBI fixed deposit at 5.15%.
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.
