JIO CREDIT LIMITED
JIO CREDIT LIMITED is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 7.25%.
Data as of 11 Sept 2026
How this yield compares
About this bond
JIO CREDIT LIMITED is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 7.25%. It pays a coupon of 8.05% and matures on 31 Jul 2031, a remaining tenure of about 4.9 yr. It is rated AAA, the highest credit-safety grade. GripInvest lists this bond with a minimum investment of ₹1.0L.
Its 7.25% yield is on the conservative side, toward the lower end at 261st of 265 Corporate bonds. That trails the Corporate median of 10.50% by 3.25 points, so the trade-off is lower yield for whatever else this issuer offers. It yields only about 0.70 points over a comparable SBI fixed deposit (6.55%), so weigh the extra credit risk carefully. Its medium 4.9 yr horizon balances rate lock-in against flexibility. Paired with its highest safety (AAA) 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 Aditya Birla Capital (INE674K08083) at 8.1%, Aditya Birla Housing Finance (INE831R08118) at 8% and Bajaj Finance (INE296A07UC7) at 7.9%.
About JIO CREDIT
Jio Credit Limited is a wholly owned subsidiary of Jio Financial Services, the financial services holding company demerged from Reliance Industries in 2023. It lends across home loans, loan against property, loan against securities and vendor financing, and has scaled quickly from a standing start, reaching assets under management of about Rs 10,094 crore by March 2025. The rating rests substantially on the parent: what the agency cites is the linkage to Jio Financial Services and that group’s capitalisation, rather than a long standalone operating record. This is a young lender inside a very well capitalised group.
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 7.25% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 4.9 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 7.25% | ₹1,40,749 |
| 5% slab | 6.89% | ₹1,38,441 |
| 20% slab | 5.80% | ₹1,31,697 |
| 30% slab | 5.07% | ₹1,27,348 |
At a 8.05% coupon, ₹1,00,000 of face value pays about ₹8,050 of interest a year, under the ₹10,000 Section 193 threshold, so no TDS is withheld.
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 4.9 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.55%.
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 AAA credit risk is the reason for the gap.