It has matured, sold out, or been delisted from the platforms we track, last seen on 15 Jul 2026. The details below are kept as a record of the issue. Compare bonds available now →
Paisalo Dec ’28
How this yield compares
About this bond
Paisalo Dec ’28 is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10.5%. It pays a coupon of 8.5% and matures on 8 Dec 2028, a remaining tenure of about 2.4 yr. It is rated AA, a high credit-safety grade. BondScanner lists this bond with a minimum investment of ₹97K.
Its 10.5% yield is well above the market average, sitting 92nd of 175 comparable Corporate bonds. That lands just under the Corporate median of 10.75%. Against a tenure-matched SBI fixed deposit (6.65%), it pays roughly 3.85 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 2.4 yr horizon locks the rate for only a few years, limiting reinvestment risk. 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 Paisalo (INE420C07189) at 10.25%, Muthoot Fincorp (INE549K08509) at 10.5% and Muthoot Fincorp (INE549K08590) at 10.5%.
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 10.5% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 2.4 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 10.50% | ₹1,26,516 |
| 5% slab | 9.97% | ₹1,25,105 |
| 20% slab | 8.40% | ₹1,20,925 |
| 30% slab | 7.35% | ₹1,18,184 |
At a 8.5% coupon, ₹1,00,000 of face value pays about ₹8,500 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 2.4 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.65%.
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 4 times a year, in Mar, Jun, Sep, Dec, with about 10 payments still to come before 8 Dec 2028, each at the 8.5% 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.