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 14.4%.
Data as of 20 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 14.4%. It pays a coupon of 14.4% and matures on 22 Dec 2027, a remaining tenure of about 1.2 yr. It is rated BBB, a moderate credit-safety grade. Jiraaf lists this bond with a minimum investment of ₹10K.
Its 14.4% yield is among the highest we track, placing it 8th of the 319 Corporate bonds on RightBonds - firmly in the top tier. That is 3.90 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 7.90 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.2 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 Best Capital Services (INE04UP07196) at 14%, Dvara Kshetriya (INE179P08066) at 13.85% and Prachay Capital (INE0IID07827) at 13.55%.
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 14.4% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.2 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 14.40% | ₹1,17,071 |
| 5% slab | 13.68% | ₹1,16,208 |
| 20% slab | 11.52% | ₹1,13,626 |
| 30% slab | 10.08% | ₹1,11,909 |
At a 14.4% coupon, ₹1,00,000 of face value pays about ₹14,400 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,440 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 1.2 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.
