REGENCY FINCORP LIMITED
REGENCY FINCORP LIMITED is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10.65%.
Data as of 23 Oct 2026
How this yield compares
About this bond
REGENCY FINCORP LIMITED is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10.65%. It pays a coupon of 14% and matures on 2 Feb 2027, a remaining tenure of about 3 mo. It is rated BBB-, a moderate credit-safety grade - the lowest investment-grade band. GripInvest lists this bond with a minimum investment of ₹5K.
Its 10.65% yield is well above the market average, ranking 150th of 334 Corporate bonds we list. That edges 0.15 points past the Corporate median of 10.50%. Against a tenure-matched SBI fixed deposit (5.15%), 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 3 mo horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its moderate safety (BBB-) 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 REGENCY FINCORP (INE964R07069) at 10.85%, Monedo Financial Services (INE0I5X07034) at 16% and Monedo Financial Services (INE0I5X07067) at 15.5%.
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 10.65% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 3 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 10.65% | ₹1,02,864 |
| 5% slab | 10.12% | ₹1,02,726 |
| 20% slab | 8.52% | ₹1,02,308 |
| 30% slab | 7.46% | ₹1,02,027 |
At a 14% coupon, ₹1,00,000 of face value pays about ₹14,000 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,400 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 0.3 years, one in this bond and one in a tenure-matched SBI fixed deposit at 5.15%.
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.
