Finkurve
Finkurve is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 12%.
Data as of 20 Oct 2026
How this yield compares
About this bond
Finkurve is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 12%. It pays a coupon of 11.33% and matures on 16 Jun 2028, a remaining tenure of about 1.7 yr. It is rated BBB+, a moderate credit-safety grade. GoldenPi lists this bond with a minimum investment of ₹30K.
Its 12% yield is well above the market average, placing it 53rd of the 319 Corporate bonds on RightBonds - firmly in the top tier. That is 1.50 percentage points above the Corporate median of 10.50% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.50%), it pays roughly 5.50 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.7 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its moderate safety (BBB+) rating, that is a higher-yield, higher-risk profile. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at Finkurve Financial (INE734I07073) at 10.25%, Finkurve Financial (INE734I07099) at 10.25% and Finkurve Financial (INE734I07065) at 10%.
About Finkurve Financial
Finkurve Financial Services Limited trades as Arvog and is part of the Augmont group, which gives it a ready link into the gold trade. It is a technology-led NBFC whose book is overwhelmingly gold loans, about 93% of assets under management as of December 2025, with personal credit making up the remainder. Assets under management reached Rs 833 crore by December 2025 after roughly 89% growth, and the company reported revenue of Rs 141.06 crore and net profit of Rs 17.41 crore in FY25. Gold loans are fully secured against pledged jewellery, which is the main reason the agencies treat the credit risk as contained, and capitalisation is comfortable with a total capital adequacy ratio of 39.29% as of December 2025 after a Rs 111.5 crore equity infusion in the first half of FY26.
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 12% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.7 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 12.00% | ₹1,20,646 |
| 5% slab | 11.40% | ₹1,19,578 |
| 20% slab | 9.60% | ₹1,16,395 |
| 30% slab | 8.40% | ₹1,14,292 |
At a 11.33% coupon, ₹1,00,000 of face value pays about ₹11,330 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,133 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 1.7 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 BBB+ credit risk is the reason for the gap.
