Finnable Credit
Finnable Credit is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10.5%.
Data as of 20 Oct 2026
How this yield compares
About this bond
Finnable Credit is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10.5%. It pays a coupon of 12.25% and matures on 11 Jun 2028, a remaining tenure of about 1.6 yr. It is rated BBB+, a moderate credit-safety grade. WintWealth lists this bond with a minimum investment of ₹71K.
Its 10.5% yield is well above the market average, ranking 153rd of 319 Corporate bonds we list. That lands just under the Corporate median of 10.50%. Against a tenure-matched SBI fixed deposit (6.50%), it pays roughly 4.00 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.6 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 Finnable Credit (INE14H407157) at 11.75%, Finnable Credit (INE14H407116) at 11.7% and Himatsingka Seide (INE049A08022) at 14%.
About Finnable Credit
Finnable Credit Private Limited is a digital lender incorporated in August 2015 and registered with the RBI as a base-layer NBFC. It makes unsecured personal loans exclusively to salaried borrowers, with an average ticket size around Rs 2.5 lakh, average tenure of 42 months and portfolio yield near 25%. Origination, risk assessment and disbursement all run on its own platform with little manual intervention, which is what has let it scale from Rs 370 crore of assets under management in March 2022 to Rs 3,110 crore by September 2025 across 23 states. Cumulative equity raised is about Rs 525 crore, giving net worth near Rs 500 crore. Reported asset quality is strong for unsecured lending, with gross NPA of 0.33% and 90-plus day delinquency of 1.07% as of September 2025, though a book growing this fast is by definition young and largely unseasoned.
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 10.5% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.6 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 10.50% | ₹1,17,821 |
| 5% slab | 9.97% | ₹1,16,903 |
| 20% slab | 8.40% | ₹1,14,165 |
| 30% slab | 7.35% | ₹1,12,355 |
At a 12.25% coupon, ₹1,00,000 of face value pays about ₹12,250 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,225 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 1.6 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 21 payments still to come before 11 Jun 2028, each at the 12.25% 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.
