Keertana Finserv
Keertana Finserv is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 8%.
Data as of 11 Sept 2026
How this yield compares
About this bond
Keertana Finserv is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 8%. It pays a coupon of 11.2% and matures on 11 Dec 2026, a remaining tenure of about 3 mo. It is rated BBB+, a moderate credit-safety grade. WintWealth lists this bond with a minimum investment of ₹1.0L.
Its 8% yield is solid for its risk band, toward the lower end at 240th of 265 Corporate bonds. That trails the Corporate median of 10.50% by 2.50 points, so the trade-off is lower yield for whatever else this issuer offers. A comparable SBI fixed deposit yields about 5.15%, so this bond adds roughly 2.85 points for taking on credit risk. Its short 3 mo 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 Keertana Finserv (INE0NES07253) at 12.5%, Akara (INE08XP07522) at 13.75% and Dvara Kshetriya (INE179P07621) at 13.5%.
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 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) | 8.00% | ₹1,01,929 |
| 5% slab | 7.60% | ₹1,01,835 |
| 20% slab | 6.40% | ₹1,01,552 |
| 30% slab | 5.60% | ₹1,01,362 |
At a 11.2% coupon, ₹1,00,000 of face value pays about ₹11,200 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,120 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.
When you get paid
Interest lands every month, with about 4 payments still to come before 11 Dec 2026, each at the 11.2% 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.