{"id":11259,"date":"2026-01-03T07:32:34","date_gmt":"2026-01-03T07:32:34","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=11259"},"modified":"2026-04-15T06:57:02","modified_gmt":"2026-04-15T06:57:02","slug":"what-are-the-interest-rates-offered-by-nbfc-bonds","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/","title":{"rendered":"What are the Interest Rates Offered By NBFC Bonds?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Following the Reserve Bank of India\u2019s <\/span><a href=\"https:\/\/www.news18.com\/business\/banking-finance\/why-a-0-25-repo-rate-cut-can-shake-the-entire-market-these-stocks-feel-it-first-ws-kl-9752897.html\"><span style=\"font-weight: 400;\">repo rate cut of 0.25% p.a.<\/span><\/a><span style=\"font-weight: 400;\"> in the December 2025 MPC meeting, fixed deposit (FD) yields are expected to trend lower in the coming months. In this environment, many conservative savers are now exploring NBFC bonds as an alternative for potentially higher returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As an investor, you must note that <\/span><span style=\"font-weight: 400;\">NBFC bond interest rates <\/span><span style=\"font-weight: 400;\">vary widely based on the issuer\u2019s financial strength and credit rating. Usually, AA or AAA-rated bonds may offer lower yields due to their high safety + lower default risk. In contrast, lower-rated bonds (say BBB or lower) compensate investors with higher returns for taking on additional risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If we specifically talk about <\/span><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><span style=\"font-weight: 400;\">high-yield NBFC bond rates<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">you may earn returns of up to 14.10% per annum (as of December 14, 2025). Want to understand in detail? Read this article to check out the <\/span><span style=\"font-weight: 400;\">current interest rates of NBFC bonds<\/span><span style=\"font-weight: 400;\"> across various categories. But firstly, let\u2019s explore the latest <\/span><span style=\"font-weight: 400;\">NBFC bond interest rate trends.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#What_are_the_Latest_NBFC_Bond_Interest_Rate_Trends\" >What are the Latest NBFC Bond Interest Rate Trends?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#How_Does_The_Softening_of_FD_Rates_May_Impact_Bond_Yields\" >How Does The Softening of FD Rates May Impact Bond Yields?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#Current_Interest_Rates_of_NBFC_Bonds_2026\" >Current Interest Rates of NBFC Bonds 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#A_High-Yield_Bonds_Yield_More_than_11\" >A) High-Yield Bonds (Yield More than 11%)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#B_Highly-Rated_Bonds_AAA-Rated\" >B) Highly-Rated Bonds (AAA-Rated)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#C_Short-Term_Bonds_Maturing_Within_3_Years\" >C) Short-Term Bonds (Maturing Within 3 Years)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#In_Summary_You_Can_Earn_NBFC_Bond_Interest_Rates_Between_740_to_1410_pa_as_of_December_14_2025\" >In Summary, You Can Earn NBFC Bond Interest Rates Between 7.40% to 14.10% p.a. (as of December 14, 2025)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#NBFC_Bond_Interest_Rates_FAQs\" >NBFC Bond Interest Rates FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#Why_do_NBFC_bond_interest_rates_vary\" >Why do NBFC bond interest rates vary?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#What_are_the_latest_high-yield_NBFC_bond_rates_for_2026\" >What are the latest high-yield NBFC bond rates for 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#What_is_the_relationship_between_NBFC_bond_interest_rates_and_FD_rates\" >What is the relationship between NBFC bond interest rates and FD rates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/#What_are_credit_ratings_and_how_to_analyse_them_before_investing\" >What are credit ratings and how to analyse them before investing?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Latest_NBFC_Bond_Interest_Rate_Trends\"><\/span><span style=\"font-weight: 400;\">What are the Latest <\/span><span style=\"font-weight: 400;\">NBFC Bond Interest Rate Trends?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In 2025, India entered a rate-cut cycle due to cooling <a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-senior-citizens-can-protect-savings-from-inflation\/\">inflation<\/a> (<\/span><a href=\"https:\/\/timesofindia.indiatimes.com\/business\/india-business\/april-2025-retail-inflation-eases-to-3-16-lowest-year-on-year-inflation-since-july-2019\/articleshow\/121137733.cms\"><span style=\"font-weight: 400;\">3.16%<\/span><\/a><span style=\"font-weight: 400;\"> in April 2025). In response to the <\/span><a href=\"https:\/\/www.financialexpress.com\/money\/best-fixed-deposit-rates-top-5-fd-plans-with-up-to-8-85-interest-per-annum-4071906\/\"><span style=\"font-weight: 400;\">cumulative 125 basis points<\/span><\/a><span style=\"font-weight: 400;\"> repo rate cuts by RBI, banks have now started reducing FD rates, with the biggest reductions in one- to two-year tenures. Since February 2025, many banks have reduced rates by <\/span><a href=\"https:\/\/www.moneycontrol.com\/news\/business\/personal-finance\/rbi-cuts-repo-rate-cut-here-is-what-it-means-for-your-fixed-deposits-13711476.html\"><span style=\"font-weight: 400;\">50 to 100 basis points<\/span><\/a><span style=\"font-weight: 400;\">. For example,\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SBI\u2019s highest FD rate for regular investors (under the Amrit Vrishti scheme) has fallen from 7.1% to 6.6%.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HDFC Bank\u2019s peak FD rate has significantly reduced from 7.25% to 6.6%.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Now, as fixed deposit rates begin to soften, NBFC bonds are drawing more investor interest. According to an Economic Times research report, several mid-sized NBFCs are now increasingly raising funds through Non-Convertible Debentures (NCDs).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By FY27, NCD issuances are expected to grow at a 13% CAGR (compounded annual growth rate), with total NBFC borrowings projected to reach <\/span><a href=\"https:\/\/bfsi.economictimes.indiatimes.com\/articles\/indias-nbfc-borrowings-to-surge-to-750-billion-by-fy27-amid-market-shift\/125603096\"><span style=\"font-weight: 400;\">about $750 billion.<\/span><\/a> <i><span style=\"font-weight: 400;\">Okay, but how does this impact bond yields? <\/span><\/i><span style=\"font-weight: 400;\">Understand in the next section.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Does_The_Softening_of_FD_Rates_May_Impact_Bond_Yields\"><\/span><span style=\"font-weight: 400;\">How Does The Softening of FD Rates May Impact Bond Yields?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Falling FD rates and the broader rate-cut cycle may have a mixed impact on bond <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-high-yield-bonds-2\/\">yields<\/a>, particularly NBFC bonds. Let\u2019s check out both short and mid- to long-term <\/span><span style=\"font-weight: 400;\">NBFC bond interest rate trends<\/span> <i><span style=\"font-weight: 400;\">(potentially expected)<\/span><\/i><span style=\"font-weight: 400;\">:<\/span><\/p>\n<p>&nbsp;<\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">In the Short-Term<\/span><\/td>\n<td><span style=\"font-weight: 400;\">In the Medium to Long-Term<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bond yields may stay elevated.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">As banks cut deposit rates and tighten lending selectively, NBFCs may continue to rely more on NCDs to raise funds.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This higher supply of bonds (particularly from mid-sized NBFCs) could keep yields attractive to draw investor demand.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bond yields may gradually decline.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">As the RBI\u2019s repo rate cuts fully transmit into the system, + inflation remains under control, the overall borrowing costs will fall.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This reduces the need for NBFCs to offer very high interest rates.\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Current_Interest_Rates_of_NBFC_Bonds_2026\"><\/span><span style=\"font-weight: 400;\">Current Interest Rates of NBFC Bonds<\/span><span style=\"font-weight: 400;\"> 2026<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As mentioned before, <\/span><span style=\"font-weight: 400;\">NBFC bond interest rates<\/span><span style=\"font-weight: 400;\"> depend largely on the credit rating. As of December 14, 2025, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">AAA-rated NBFC bonds<\/span><\/a><span style=\"font-weight: 400;\"> issued by companies such as India Infradebt Limited, Bajaj Finance, and Tata Capital offer coupon rates up to 7.40% p.a. You can observe that these rates are higher than the FD rates offered by leading banks, such as SBI and HDFC Bank.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are looking to <\/span><span style=\"font-weight: 400;\">compare NBFC bond interest rates <\/span><span style=\"font-weight: 400;\">across multiple issuers, you may refer to the different bond collections below:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"A_High-Yield_Bonds_Yield_More_than_11\"><\/span><span style=\"font-weight: 400;\">A) High-Yield Bonds (Yield More than 11%)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">NBFC Bond Issuer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credit Rating<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yield<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest Payout<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Akara Capital Advisors Private Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">BBB<\/span><\/td>\n<td><span style=\"font-weight: 400;\">14.10% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Keertana Finserv Private Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">BBB+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">13.70% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Lucina Land Development Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A-<\/span><\/td>\n<td><span style=\"font-weight: 400;\">13.15% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Midland Microfin Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A-<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12.60% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: All the above bonds can be purchased from the <\/span><\/i><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><i><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">. The above yields are valid as of December 14, 2025. Investors must do their own research before investing.\u00a0<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"B_Highly-Rated_Bonds_AAA-Rated\"><\/span><span style=\"font-weight: 400;\">B) Highly-Rated Bonds (AAA-Rated)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">NBFC Bond Issuer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credit Rating<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yield<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest Payout<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">India Infradebt Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AAA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.40% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yearly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bajaj Finance Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AAA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.20% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yearly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Aditya Birla Housing Finance Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AAA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.19% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yearly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tata Capital Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AAA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.98% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yearly<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: All the above bonds can be purchased from the <\/span><\/i><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><i><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">. The above yields are valid as of December 14, 2025. Investors must do their own research before investing.\u00a0<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"C_Short-Term_Bonds_Maturing_Within_3_Years\"><\/span><span style=\"font-weight: 400;\">C) Short-Term Bonds (Maturing Within 3 Years)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">NBFC Bond Issuer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credit Rating<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yield<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest Payout<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Krazy Bee Services Private Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A<\/span><\/td>\n<td><span style=\"font-weight: 400;\">11.26% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Muthootu Mini Financiers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A<\/span><\/td>\n<td><span style=\"font-weight: 400;\">11.25% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Navi Finserv Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A<\/span><\/td>\n<td><span style=\"font-weight: 400;\">11.15% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Kosamattam Finance Limited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A<\/span><\/td>\n<td><span style=\"font-weight: 400;\">11.15% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: All the above bonds can be purchased from the <\/span><\/i><a href=\"https:\/\/goldenpi.com\/collections\/bonds-for-short-term-investment\"><i><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">. The above yields are valid as of December 14, 2025. Investors must do their own research before investing.\u00a0<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"In_Summary_You_Can_Earn_NBFC_Bond_Interest_Rates_Between_740_to_1410_pa_as_of_December_14_2025\"><\/span><span style=\"font-weight: 400;\">In Summary, You Can Earn <\/span><span style=\"font-weight: 400;\">NBFC Bond Interest Rates<\/span><span style=\"font-weight: 400;\"> Between 7.40% to 14.10% p.a. (as of December 14, 2025)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So now you are aware of the various latest <\/span><span style=\"font-weight: 400;\">NBFC<a href=\"https:\/\/goldenpi.com\/blog\/bond-market-2\/global-bond-market-trends-affecting-indian-investors\/\"> bond interest rates<\/a><\/span><span style=\"font-weight: 400;\"> and how they compare across risk categories. If you prefer safer options, AAA-rated bonds may offer returns of up to 7.40% per annum. For investors willing to take higher credit risk:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High-yield bonds can deliver returns of up to 14.10% per annum<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Short-term bonds may provide yields of up to 11.26% per annum<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In a falling interest-rate environment where fixed deposit returns are easing, such debt instruments can offer better income opportunities, provided risks are understood and assessed carefully.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you wish to explore these options further, you can visit the GoldenPi platform and check out our <\/span><a href=\"https:\/\/goldenpi.com\/collections\"><span style=\"font-weight: 400;\">various bond collections<\/span><\/a><span style=\"font-weight: 400;\">, which include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">AAA-rated bonds<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/goldenpi.com\/collections\/bonds-for-short-term-investment\"><span style=\"font-weight: 400;\">Short-term bonds<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><span style=\"font-weight: 400;\">High-yield bonds<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/goldenpi.com\/collections\/state-government-guranteed-bonds\"><span style=\"font-weight: 400;\">State government-guaranteed bonds<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/goldenpi.com\/collections\/bonds-at-discounted-price\"><span style=\"font-weight: 400;\">Bonds at a discounted price<\/span><\/a><span style=\"font-weight: 400;\">, and more<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Also, the investment process is 100% online, with no need for in-person branch visits.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"NBFC_Bond_Interest_Rates_FAQs\"><\/span><span style=\"font-weight: 400;\">NBFC Bond Interest Rates<\/span><span style=\"font-weight: 400;\"> FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Why_do_NBFC_bond_interest_rates_vary\"><\/span><span style=\"font-weight: 400;\">Why do <\/span><span style=\"font-weight: 400;\">NBFC bond interest rates<\/span><span style=\"font-weight: 400;\"> vary?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">NBFC bond interest rates<\/span><span style=\"font-weight: 400;\"> differ based on credit rating, tenure, and the issuer\u2019s financial strength. Highly rated NBFCs with strong financial positions usually offer lower coupon rates. In contrast, lower-rated issuers pay higher rates to compensate investors for a greater default risk (potential).<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_latest_high-yield_NBFC_bond_rates_for_2026\"><\/span><span style=\"font-weight: 400;\">What are the latest <\/span><span style=\"font-weight: 400;\">high-yield NBFC bond rates<\/span><span style=\"font-weight: 400;\"> for 2026?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As per the current <\/span><span style=\"font-weight: 400;\">NBFC bond interest rate trends<\/span><span style=\"font-weight: 400;\">, high-yield NBFC bonds may offer returns of up to 14.10% per annum (as of December 2025). To explore multiple such options, you may check out the <\/span><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><span style=\"font-weight: 400;\">list of high-yield bonds<\/span><\/a><span style=\"font-weight: 400;\"> on the GoldenPi platform.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_relationship_between_NBFC_bond_interest_rates_and_FD_rates\"><\/span><span style=\"font-weight: 400;\">What is the relationship between <\/span><span style=\"font-weight: 400;\">NBFC bond interest rates<\/span><span style=\"font-weight: 400;\"> and FD rates?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As per industry understanding, <\/span><span style=\"font-weight: 400;\">NBFC bond interest rates<\/span><span style=\"font-weight: 400;\"> may move in the same direction as FD rates. However, since debt instruments, like bonds, are considered riskier than FDs, they may offer comparatively higher coupon rates to attract investors.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_credit_ratings_and_how_to_analyse_them_before_investing\"><\/span><span style=\"font-weight: 400;\">What are credit ratings and how to analyse them before investing?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Credit ratings indicate an issuer\u2019s ability to repay debt. Higher ratings (AAA, AA) could mean lower risk, while lower ratings (BBB and below) may indicate weak financial capacity + higher default risk. As an investor, you may review rating agency reports (say those issued by CRISIL, ICRA, and India Ratings), financial statements, and recent \u201crating changes\u201d before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Disclaimer:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the debt securities\/ municipal debt securities\/ securitised debt instruments are subject to risks, including delay and\/ or default in payment. Read all the offer-related documents carefully.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Following the Reserve Bank of India\u2019s repo rate cut of 0.25% p.a. in the December 2025 MPC meeting, fixed deposit (FD) yields&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11285,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[28,25],"tags":[18,37,45,61,62,64],"class_list":["post-11259","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","category-bond-news","tag-bonds","tag-bond-investment","tag-bond-market","tag-bond-exchange-traded-funds","tag-bonds-and-debentures","tag-corporate-bonds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NBFC Bond Interest Rates 2026 | Compare NBFC Bond Interest Rates Across Various Bond Collections<\/title>\n<meta name=\"description\" content=\"Worried about falling FD interest rates in 2026? 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