IIFL Samasta May ’30
IIFL Samasta May ’30 is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 11.5%.
Data as of 11 Sept 2026
How this yield compares
About this bond
IIFL Samasta May ’30 is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 11.5%. It pays a coupon of 11% and matures on 18 May 2030, a remaining tenure of about 3.7 yr. It is rated AA-, a high credit-safety grade. BondScanner lists this bond with a minimum investment of ₹2.0L.
Its 11.5% yield is well above the market average, placing it 60th of the 265 Corporate bonds on RightBonds - firmly in the top tier. That is 1.00 percentage points above the Corporate median of 10.50% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.55%), it pays roughly 4.95 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its medium 3.7 yr horizon balances rate lock-in against flexibility. Paired with its very high safety (AA-) 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 IIFL Samasta (INE413U07483) at 10.4%, IIFL Samasta (INE413U07434) at 10.35% and IIFL Samasta (INE413U07491) at 10%.
About IIFL Samasta
IIFL Samasta Finance Limited is a microfinance-focused NBFC incorporated in March 2008 and 99.56% owned by IIFL Finance Limited. It lends to low-income borrowers largely through the joint liability group model. CRISIL notes that the loan book is concentrated in its top four states, Bihar, Tamil Nadu, Karnataka and Rajasthan, which together account for roughly 60% of AUM, leaving it exposed to the risks inherent in the microfinance segment. Asset quality weakened through FY25 and the company posted a loss of Rs 61 crore in the first quarter of FY26 after a profit of Rs 20 crore for FY25.
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 11.5% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 3.7 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 11.50% | ₹1,49,295 |
| 5% slab | 10.92% | ₹1,46,480 |
| 20% slab | 9.20% | ₹1,38,267 |
| 30% slab | 8.05% | ₹1,32,982 |
At a 11% coupon, ₹1,00,000 of face value pays about ₹11,000 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,100 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 3.7 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 AA- credit risk is the reason for the gap.
When you get paid
Interest lands once a year, in May, with about 4 payments still to come before 18 May 2030, each at the 11% 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 BondScanner before investing.