Navi Finserv
Navi Finserv is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 9.25%.
Data as of 11 Sept 2026
How this yield compares
About this bond
Navi Finserv is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 9.25%. It pays a coupon of 10% and matures on 25 Mar 2027, a remaining tenure of about 6 mo. It is rated A, an adequate credit-safety grade. WintWealth lists this bond with a minimum investment of ₹1.0L.
Its 9.25% yield is solid for its risk band, sitting 181st of 265 comparable Corporate bonds. That trails the Corporate median of 10.50% by 1.25 points, so the trade-off is lower yield for whatever else this issuer offers. Against a tenure-matched SBI fixed deposit (5.90%), it pays roughly 3.35 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 6 mo horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its high safety (A) 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 (INE342T07643) at 11%, Navi Finserv (INE342T07718) at 10.85% and Navi Finserv (INE342T07684) 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 9.25% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 6 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 9.25% | ₹1,04,829 |
| 5% slab | 8.79% | ₹1,04,592 |
| 20% slab | 7.40% | ₹1,03,879 |
| 30% slab | 6.47% | ₹1,03,401 |
At a 10% coupon, ₹1,00,000 of face value pays about ₹10,000 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 0.5 years, one in this bond and one in a tenure-matched SBI fixed deposit at 5.90%.
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.
When you get paid
Interest lands every month, with about 7 payments still to come before 25 Mar 2027, each at the 10% 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.