Paisalo Aug ’31
Paisalo Aug ’31 is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 9.82%.
Data as of 11 Sept 2026
How this yield compares
About this bond
Paisalo Aug ’31 is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 9.82%. It pays a coupon of 10.47% and matures on 19 Aug 2031, a remaining tenure of about 4.9 yr. It is rated AA, a high credit-safety grade. BondScanner lists this bond with a minimum investment of ₹1.0L.
Its 9.82% yield is solid for its risk band, sitting 171st of 265 comparable Corporate bonds. That trails the Corporate median of 10.50% by 0.68 points, so the trade-off is lower yield for whatever else this issuer offers. Against a tenure-matched SBI fixed deposit (6.55%), it pays roughly 3.27 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its medium 4.9 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 Paisalo (INE420C07213) at 10%, Paisalo (INE420C07197) at 10% and Paisalo (INE420C07205) at 9.9%.
About Paisalo
Paisalo Digital Limited is a non-banking financial company incorporated in 1992 that provides business loans to SMEs and corporates and small income generation loans to individuals. Founder promoter Sunil Agarwal has been managing director since inception, and the company is listed on both BSE and NSE. It commenced its business loans operations in 2006 and entered unsecured retail lending in 2011 by acquiring a 100% stake in Nupur Finvest Private Limited. The group runs co-lending arrangements with five partner banks, under which the banks fund the major share of loans it originates. Consolidated assets under management stood at Rs 5,232.80 crore in FY25. Its debt facilities and NCDs carry an IVR AA rating with Stable outlook from Infomerics, reaffirmed in March 2026. This bond is issued under the legal name Paisalo Digital Limited.
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 9.82% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 4.9 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 9.82% | ₹1,58,775 |
| 5% slab | 9.33% | ₹1,55,302 |
| 20% slab | 7.86% | ₹1,45,246 |
| 30% slab | 6.87% | ₹1,38,835 |
At a 10.47% coupon, ₹1,00,000 of face value pays about ₹10,470 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,047 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 4.9 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.