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 10.75%.
Data as of 20 Oct 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 10.75%. It pays a coupon of 10% and matures on 31 Jan 2027, a remaining tenure of about 3 mo. It is rated A, an adequate credit-safety grade. WintWealth lists this bond with a minimum investment of ₹10K.
Its 10.75% yield is well above the market average, ranking 133rd of 319 Corporate bonds we list. That edges 0.25 points past the Corporate median of 10.50%. Against a tenure-matched SBI fixed deposit (5.15%), it pays roughly 5.60 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 3 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 (INE342T07569) at 10.75%, Navi Finserv (INE342T07684) at 10.65% and Navi Finserv (INE342T07544) at 10.5%.
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 10.75% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 3 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 10.75% | ₹1,02,919 |
| 5% slab | 10.21% | ₹1,02,778 |
| 20% slab | 8.60% | ₹1,02,352 |
| 30% slab | 7.52% | ₹1,02,065 |
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 0.3 years, one in this bond and one in a tenure-matched SBI fixed deposit at 5.15%.
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 4 payments still to come before 31 Jan 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.
