It has matured, sold out, or been delisted from the platforms we track, last seen on 14 Jul 2026. The details below are kept as a record of the issue. Compare bonds available now →
REGENCY FINCORP LIMITED
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 13%. It pays a coupon of 14% and matures on 23 Jun 2027, a remaining tenure of about 11 mo. It is rated BBB-, a moderate credit-safety grade - the lowest investment-grade band. GripInvest lists this bond with a minimum investment of ₹8K.
Its 13% yield is among the highest we track, placing it 18th of the 175 Corporate bonds on RightBonds - firmly in the top tier. That is 2.25 percentage points above the Corporate median of 10.75% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.15%), it pays roughly 6.85 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 11 mo 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 Regency Fincorp (INE964R07101) at 14.5%, Unifinz Capital India (INE926R07043) at 15% and Monedo Financial Services (INE0I5X07067) at 14.25%.
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 13% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 11 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 13.00% | ₹1,11,541 |
| 5% slab | 12.35% | ₹1,10,967 |
| 20% slab | 10.40% | ₹1,09,244 |
| 30% slab | 9.10% | ₹1,08,094 |
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 0.9 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.15%.
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.
When you get paid
Interest lands 4 times a year, in Mar, Jun, Sep, Dec, with about 4 payments still to come before 23 Jun 2027, each at the 14% 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 GripInvest before investing.