Whizdm Finance Pool
Whizdm Finance Pool is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 11.6%.
Data as of 11 Sept 2026
How this yield compares
About this bond
Whizdm Finance Pool is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 11.6%. It pays a coupon of 11.6% and matures on 26 Dec 2027, a remaining tenure of about 1.3 yr. WintWealth lists this bond with a minimum investment of ₹10K.
Its 11.6% yield is well above the market average, placing it 58th of the 265 Corporate bonds on RightBonds - firmly in the top tier. That is 1.10 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 5.10 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.3 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its high safety (A+(SO)) 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 Navi Finserv (INE2W9A15011) at 11.35%, Navi Finserv (INE342T07643) at 11% and Navi Finserv (INE342T07718) at 10.85%.
About Navi Finserv
Navi Finserv Limited is a non-deposit-taking, systemically important NBFC registered with the Reserve Bank of India since March 2016. It is a wholly owned subsidiary of Navi Limited, the financial services group founded by Sachin Bansal and Ankit Agarwal in 2018, and is headquartered in Bengaluru. It is primarily a digital lender: personal loans make up roughly 87% of its assets under management and home loans the remaining 13%, serving a largely urban, middle-income customer base.
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 11.6% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.3 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 11.60% | ₹1,15,192 |
| 5% slab | 11.02% | ₹1,14,421 |
| 20% slab | 9.28% | ₹1,12,116 |
| 30% slab | 8.12% | ₹1,10,584 |
At a 11.6% coupon, ₹1,00,000 of face value pays about ₹11,600 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,160 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 1.3 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+(SO) credit risk is the reason for the gap.
When you get paid
Interest lands 4 times a year, in Mar, Jun, Sep, Dec, with about 6 payments still to come before 26 Dec 2027, each at the 11.6% 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.