Short-term bonds mature within one to three years, carrying lower interest-rate risk than longer-tenure bonds — their prices move less when rates change. In India they typically yield 7–10% depending on credit rating. They are commonly held for near-term goals or to keep portfolio liquidity above fixed-deposit returns.
Short-term bonds maturing in 1-3 years sit between yield and flexibility on the bond spectrum. They typically carry lower interest rate risk than longer-tenure bonds — when interest rates rise, short-term bond prices fall less. They are commonly held by investors with near-term financial goals or those maintaining portfolio liquidity while seeking returns above fixed deposits.
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145 Bonds Found
Sorted by YTM. Not a recommendation.| Issuer | Rating | YTM | Coupon | Maturity | Platforms |
|---|---|---|---|---|---|
| 12.00Akara Capital Advisors Private Limited 07 Nov 2027 INE08XP07498 | BBB | 14.80% | 12.00% | 1.4Y | 1 |
| AKARA CAPITAL INE08XP07480 | BBB | 14.00% | 12.80% | 1.9Y | 1 |
| Keertana Finserv Private Limited INE0NES07279 | BBB+ | 13.85% | 11.40% | 1.8Y | 1 |
| KEERTANA FINSERV INE0NES07329 | BBB+ | 13.85% | 12.00% | 1.3Y | 3 |
| KEERTANA FINSERV PRIVATE LIMITED INE0NES07261 | BBB+ | 13.70% | 11.10% | 1.2Y | 1 |
| RDC CONCRETEINDIA LIMITED INE076I07020 | BB+ | 13.50% | 12.00% | 1.7Y | 1 |
| RDC CONCRETEINDIA LIMITED INE076I07038 | BB+ | 13.50% | 12.00% | 1.8Y | 1 |
| Kanakadurga Finance Limited INE104W07229 | BBB | 13.30% | 11.55% | 1.5Y | 1 |
| Spandana Sphoorty Financial Limited INE572J07810 | BBB+ | 12.95% | 11.25% | 1.9Y | 3 |
| MIDLAND MICROFIN LIMITED INE884Q07822 | BBB+ | 12.70% | 11.70% | 1.0Y | 2 |
| LUCINA DEVELOPMENT INE0JZO07040 | A- | 12.50% | 13.00% | 2.6Y | 1 |
| MIDLAND MICROFIN INE884Q07855 | A- | 12.50% | 10.65% | 2.0Y | 1 |
| IFL FINANCE INE01XO07025 | BBB | 12.48% | 12.25% | 1.6Y | 1 |
| Moneyboxx Finance Limited INE296Q07142 | BBB | 12.30% | 10.25% | 1.3Y | 2 |
| MONEYBOXX FINANCE LIMITED INE296Q07159 | BBB | 12.30% | 10.20% | 1.5Y | 1 |
| MONEYBOXX FINANCE LIMITED INE296Q07167 | BBB | 12.30% | 10.20% | 1.8Y | 1 |
| SATIN FINSERV INE03K307132 | A- | 12.10% | 10.25% | 1.8Y | 2 |
| Kanakadurga Finance Limited INE104W07260 | BBB | 12.00% | 11.00% | 1.0Y | 1 |
| UNIGOLD FINANCE INE0O7U07046 | BBB | 11.95% | 11.00% | 1.8Y | 1 |
| Finkurve Financial Services Limited INE734I07107 | BBB | 11.90% | — | 2.2Y | 1 |
| Finnable Credit Private Limited INE14H407116 | BBB+ | 11.85% | 11.00% | 2.2Y | 2 |
| INDEL MONEY INE0BUS07CL8 | A- | 11.80% | 10.50% | 2.8Y | 2 |
| ARMAN FINANCIAL INE109C07139 | A- | 11.75% | 11.35% | 2.1Y | 3 |
| Satin Finserv Limited INE03K307124 | A- | 11.65% | 10.75% | 1.7Y | 1 |
| Indel Money Limited INE0BUS07CJ2 | A- | 11.60% | 11.00% | 2.6Y | 1 |
| wintcapital INE0RU307254 | BBB- | 11.60% | 11.16% | 1.5Y | 1 |
| Csl Finance Limited INE718F07031 | A- | 11.60% | — | 1.9Y | 1 |
| Credit Wise Capital Limited INE0LN107063 | BBB | 11.55% | — | 1.8Y | 1 |
| ARMAN FINANCIAL SERVICES LIMITED 2028 INE109C07147 | A | 11.55% | 10.90% | 2.3Y | 6 |
| IFL FINANCE LIMITED INE01XO07066 | BBB | 11.50% | 11.75% | 1.9Y | 1 |
| Finnable Credit Private Limited INE14H407074 | BBB+ | 11.50% | 12.25% | 2.0Y | 1 |
| Shalibhadra Finance Limited INE861D07018 | BBB- | 11.50% | 12.00% | 1.8Y | 1 |
| NAMRA FINANCE INE229U07178 | A- | 11.50% | 11.25% | 2.2Y | 2 |
| Indel Money Limited INE0BUS07CK0 | A- | 11.45% | 10.00% | 1.8Y | 1 |
| NAMRA FINANCE LIMITED 2028 INE229U07186 | A | 11.45% | 10.90% | 1.9Y | 4 |
| Credit Wise Capital Private Limited INE0LN107071 | BBB | 11.40% | 11.15% | 1.9Y | 1 |
| MIDLAND MICROFIN LIMITED INE884Q07863 | A- | 11.35% | 12.00% | 1.2Y | 1 |
| IFL FINANCE LIMITED INE01XO07041 | BBB | 11.30% | 11.80% | 1.7Y | 1 |
| EARLYSALARY SERVICES PRIVATE LIMITED INE01YL07409 | A- | 11.25% | 10.70% | 1.6Y | 2 |
| EARLYSALARY SERVICES PRIVATE LIMITED INE01YL07417 | A- | 11.25% | 10.50% | 1.7Y | 3 |
| PROGFIN PRIVATE LIMITED INE0MYJ07179 | BBB+ | 11.25% | 11.00% | 1.1Y | 1 |
| Finkurve Financial Services Limited INE734I07073 | BBB | 11.25% | 11.16% | 1.4Y | 1 |
| Finkurve Financial Services Limited INE734I07099 | BBB | 11.25% | 11.16% | 1.5Y | 1 |
| Shri Ram Finance Corporation Private Limited INE08E807159 | A | 11.20% | 9.90% | 2.6Y | 1 |
| EarlySalary Services Private Limited INE01YL07433 | A- | 11.15% | 10.50% | 2.0Y | 1 |
| Indel Money Limited INE0BUS07CM6 | A- | 11.15% | — | 1.9Y | 1 |
| Navi Finserv Limited INE342T07635 | A | 11.15% | 10.30% | 1.3Y | 3 |
| NAVI FINSERV INE342T07668 | A | 11.15% | 10.75% | 2.6Y | 3 |
| MUTHOOT MCRED LIMITED INE101Q07BX1 | A | 11.10% | 9.30% | 2.0Y | 1 |
| MUTHOOT MCRED INE101Q07BZ6 | A | 11.10% | 9.65% | 2.2Y | 3 |
Frequently Asked Questions
Why choose short-term bonds over long-term bonds?
Short-term bonds (1-3 year maturity) offer several advantages: lower interest rate risk (less price volatility), quicker access to principal, better visibility of issuer creditworthiness over a shorter period, and the ability to reinvest at potentially higher rates when they mature. The trade-off is typically lower yields compared to longer-term bonds.
What yields can you expect from short-term bonds in India?
Short-term corporate bonds in India typically yield 7-10% depending on credit rating. AAA-rated short-term bonds offer 7-8.5%, AA-rated bonds 8.5-10%, and A-rated or lower can offer 10%+. Government bonds of similar maturity yield around 6.5-7%.
Are short-term bonds suitable for emergency funds?
Short-term bonds carry settlement delay and potential price fluctuation, which is why investors typically hold emergency funds in liquid funds, savings accounts, or sweep FDs instead. Short-term bonds are commonly held for planned expenses 1-3 years out — for example a home down payment or education fees with a known timeline.
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Data is for informational purposes only. BondDekho is not SEBI-registered and does not provide investment advice. Bond yields and ratings are subject to change. Verify details on respective platforms before investing. Sorted by Yield to Maturity. Not a recommendation.