Profectus Capital Private Limited
Profectus Capital Private Limited is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10.4%.
Data as of 11 Sept 2026
How this yield compares
About this bond
Profectus Capital Private Limited is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10.4%. It pays a coupon of 10.4% and matures on 17 Oct 2027, a remaining tenure of about 1.1 yr. It is rated A, an adequate credit-safety grade. Jiraaf lists this bond with a minimum investment of ₹100K.
Its 10.4% yield is well above the market average, sitting 136th of 265 comparable Corporate bonds. That lands just under the Corporate median of 10.50%. Against a tenure-matched SBI fixed deposit (6.50%), it pays roughly 3.90 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.1 yr 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 Profectus Capital (INE389Z07104) at 10.65%, Profectus Capital (INE389Z07096) at 10.25% and Satin Creditcare (INE836B08327) at 12.6%.
About Profectus Capital
Profectus Capital Private Limited is a Mumbai-headquartered, RBI-registered systemically important NBFC founded in June 2017 by K V Srinivasan. It provides secured business financing to MSMEs, including enterprise mortgage loans, equipment finance, supply chain finance and school funding, and was owned by the UK private equity firm Actis from 2019. As of March 2025 it operated 29 branches across 14 states, serving about 5,200 borrowers. UGRO Capital completed its acquisition of 100% of the company in December 2025, making Profectus a wholly owned UGRO subsidiary; a follow-on legal merger into UGRO is pending NCLT approval, so Profectus remains a separate issuer for now and its obligations would transfer to UGRO once that amalgamation completes.
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 10.4% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.1 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 10.40% | ₹1,11,465 |
| 5% slab | 9.88% | ₹1,10,889 |
| 20% slab | 8.32% | ₹1,09,163 |
| 30% slab | 7.28% | ₹1,08,014 |
At a 10.4% coupon, ₹1,00,000 of face value pays about ₹10,400 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,040 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 1.1 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 credit risk is the reason for the gap.