Keertana
Keertana is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 12%.
Data as of 27 Oct 2026
How this yield compares
About this bond
Keertana is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 12%. It pays a coupon of 12% and matures on 4 Sept 2028, a remaining tenure of about 1.9 yr. It is rated A-, an adequate credit-safety grade. GoldenPi lists this bond with a minimum investment of ₹30K.
Its 12% yield is well above the market average, placing it 54th of the 328 Corporate bonds on RightBonds - firmly in the top tier. That is 1.50 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 5.50 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.9 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its high safety (A-) 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 (INE0NES07352) at 12.4%, Keertana Finserv (INE0NES07253) at 12.25% and Keertana Finserv (INE0NES07303) at 11.6%.
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% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.9 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 12.00% | ₹1,23,409 |
| 5% slab | 11.40% | ₹1,22,185 |
| 20% slab | 9.60% | ₹1,18,546 |
| 30% slab | 8.40% | ₹1,16,149 |
At a 12% coupon, ₹1,00,000 of face value pays about ₹12,000 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,200 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 1.9 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 A- credit risk is the reason for the gap.
