NEPSE debentures and bonds: what they pay
A debenture is a loan to a company - usually a bank - that pays a fixed interest (the coupon) on its Rs 1,000 face value until it matures, then pays the Rs 1,000 back. Bought on NEPSE below or above Rs 1,000, the return changes: that's the yield to maturity. Prices as of 10 Nov 2026.
Typical yield to maturity now4.78%
the middle of the 40 debentures trading
Bank deposit rate (average)3.15%
NRB, Aug 2026
91-day T-bill2.32%government, short term
Listed on NEPSE5635 more have matured
Highest yields to maturity right now
NMBD87/888.50% NMB Rinpatra 2087/88
6.43%a year to maturity
Price Rs 1,075 · coupon 8.50% · 4.2 years left
MBLD878.50% Machhapuchchhre Debenture 2087
6.12%a year to maturity
Price Rs 1,082 · coupon 8.50% · 3.9 years left
PBLD8610.25% Prabhu Bank Debenture 2086
6.03%a year to maturity
Price Rs 1,112 · coupon 10.25% · 2.9 years left
A real example
Rs 1 lakh in 11% KBL Debenture 2089 bought when it listed (Dec 2023, at Rs 1,000) and held to maturity returns about Rs 197,095 - 11.01% a year, against 3.15% at the bank today.
Interest not reinvested, before tax and fees. The desk works this out for every debenture and any buy date - and when selling at the peak would have beaten holding.Debentures trading now
| Debenture | Coupon | Price | Matures | Years left | Yield to maturity |
|---|---|---|---|---|---|
| ADBLD83 10.35% Agricultural Bank Debenture 2083 |
10.35% | Rs 1,025 | BS 2083 | 0.4 | Pro |
| GWFD83 12% Goodwill finance Debenture 2083 |
12.00% | Rs 1,045 | BS 2083 | 0.4 | Pro |
| ICFCD83 12% ICFC Finance Limited Debenture 2083 |
12.00% | Rs 1,032 | BS 2083 | 0.4 | Pro |
| RBBD83 8.5% RBBL Debenture 2083 |
8.50% | Rs 1,025 | BS 2083 | 0.4 | Pro |
| SBID83 10.25% Nepal SBI Bank Debenture 2083 |
10.25% | Rs 1,050 | BS 2083 | 0.4 | Pro |
| SRBLD83 10.25% Sunrise Bank Debenture 2083 |
10.25% | Rs 1,025 | BS 2083 | 0.4 | Pro |
| NIBD84 8.5% Nepal Investment Bank Debenture 2084 |
8.50% | Rs 1,065 | BS 2084 | 0.9 | Pro |
| PBD84 10.15% Prime Debenture 2084 |
10.15% | Rs 1,040 | BS 2084 | 0.9 | Pro |
| PBLD84 10% Prabhu Bank Debenture 2084 |
10.00% | Rs 1,090 | BS 2084 | 0.9 | Pro |
| SBLD84 8.5% SBL Debenture 2084 |
8.50% | Rs 1,040 | BS 2084 | 0.9 | Pro |
| MND84/85 8.75% Muktinath Debenture/Rinpatra 2084/85 |
8.75% | Rs 1,100 | BS 2084/85 | 1.2 | Pro |
| EBLD85 10.50% Everest Bank Limited Debenture 2085 |
10.50% | Rs 1,135 | BS 2085 | 1.9 | Pro |
| GBBD85 Garima Debenture, 2085 |
– | Rs 1,091 | BS 2085 | 1.9 | Pro |
| MFLD85 9.5% Manjushree Finance Limited Debenture 2085 |
9.50% | Rs 1,101 | BS 2085 | 1.9 | Pro |
| NBLD85 8% Nabil Debenture 2085 |
8.00% | Rs 1,040 | BS 2085 | 1.9 | Pro |
| SAND2085 10% Sanima Bank Limited Debenture |
10.00% | Rs 1,097 | BS 2085 | 1.9 | Pro |
| BOKD86 8.5% BOK Debenture 2086 |
8.50% | Rs 1,090 | BS 2086 | 2.9 | Pro |
| BOKD86KA BOK Debenture 2086 "KA" |
– | Rs 1,126 | BS 2086 | 2.9 | Pro |
| CIZBD86 10.25% Citizens Bank Debenture 2086 |
10.25% | Rs 1,157 | BS 2086 | 2.9 | Pro |
| EBLD86 8.5% of Everest Bank Limited Debenture 2086 |
8.50% | Rs 1,088 | BS 2086 | 2.9 | Pro |
| HBLD86 Himalayan Bank Limited Bond, 2086 |
– | Rs 1,150 | BS 2086 | 2.9 | Pro |
| KBLD86 10.25% Kumari Bank Debenture 2086 |
10.25% | Rs 1,123 | BS 2086 | 2.9 | Pro |
| LBLD86 10% Laxmi Bank Debenture 2086 |
10.00% | Rs 1,115 | BS 2086 | 2.9 | Pro |
| NCCD86 9.5% NCC Debenture 2086 |
9.50% | Rs 1,160 | BS 2086 | 2.9 | Pro |
| PBLD86 10.25% Prabhu Bank Debenture 2086 |
10.25% | Rs 1,112 | BS 2086 | 2.9 | Pro |
| GBILD86/87 8.5% Global IME Bank Limited Debenture 2086/87 |
8.50% | Rs 1,134 | BS 2086/87 | 3.2 | Pro |
| JBBD87 Jyoti Bikash Bank Bond 2087 |
– | Rs 1,135 | BS 2087 | 3.9 | Pro |
| KSBBLD87 9% Kamana Sewa Bikas Bank Limited Debenture 2087 |
9.00% | Rs 1,120 | BS 2087 | 3.9 | Pro |
| MBLD87 8.50% Machhapuchchhre Debenture 2087 |
8.50% | Rs 1,082 | BS 2087 | 3.9 | Pro |
| NABILD87 9% Nabil Debenture 2087 |
9.00% | Rs 1,150 | BS 2087 | 3.9 | Pro |
| NBLD87 8.5% Nepal Bank Debenture 2087 |
8.50% | Rs 1,138 | BS 2087 | 3.9 | Pro |
| PBLD87 8.5% Prabhu Bank Debenture 2087 |
8.50% | Rs 1,121 | BS 2087 | 3.9 | Pro |
| SBD87 8.5% Sanima Debenture 2087 |
8.50% | Rs 1,110 | BS 2087 | 3.9 | Pro |
| NMBD87/88 8.50% NMB Rinpatra 2087/88 |
8.50% | Rs 1,075 | BS 2087/88 | 4.2 | Pro |
| CBLD88 Civil Bank Debenture 2088 |
– | Rs 1,260 | BS 2088 | 4.9 | Pro |
| CCBD88 Century Debenture 2088 |
– | Rs 1,282 | BS 2088 | 4.9 | Pro |
| NICD88 8.5% NIC Asia Rinpatra 2088 |
8.50% | Rs 1,125 | BS 2088 | 4.9 | Pro |
| PBD88 10% Prime Debenture 2088 |
10.00% | Rs 1,203 | BS 2088 | 4.9 | Pro |
| KBLD89 11% KBL Debenture 2089 |
11.00% | Rs 1,320 | BS 2089 | 5.9 | Pro |
| LBBLD89 11% L.B.B.L. Debenture 2089 |
11.00% | Rs 1,290 | BS 2089 | 5.9 | Pro |
| NMBD89/90 NMB Debenture 10.75%-2089/2090 |
10.75% | Rs 1,420 | BS 2089 | 5.9 | Pro |
| SBID89 9% Nepal SBI Bank debenture 2089 |
9.00% | Rs 1,188 | BS 2089 | 5.9 | Pro |
| SBLD89 10.75% SBL Debenture 2089 |
10.75% | Rs 1,288 | BS 2089 | 5.9 | Pro |
| NIMBD90 10% NIMB Debenture 2090 |
10.00% | Rs 1,242 | BS 2090 | 6.9 | Pro |
| LSD92 7% Laxmi Sunrise Debenture 2092 |
7.00% | Rs 1,160 | BS 2092 | 8.9 | Pro |
| PBD93 6.25% Prime Bank Debenture 2093 |
6.25% | Rs 1,110 | BS 2093 | 9.9 | Pro |
| SCBD 10.30% Standard Chartered Bank Nepal Limited Rinpatra |
10.30% | Rs 1,066 | – | – | Pro |
| SHINED Shine Resunga Debenture |
– | Rs 1,169 | – | – | Pro |
Coupon and maturity year as named on NEPSE; exact maturity dates and interest dates are in each issuer's offer document.
More yields, what-ifs and risk checks for every debenture on the full desk
Each debenture's yield to maturity, what Rs 1 lakh made if bought at listing, at the low or sold at the peak, a calculator for any date, how interest compounds, and its risks - the issuer's health, how often it trades, and how much the price moves when rates change.
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New debenture issues
| Issue | Coupon | Matures | Opens | Closes | Units | |
|---|---|---|---|---|---|---|
| RBBLD89 6% RBBL Debenture 2089 |
6.00% | BS 2089 · 5.9 yrs | 15 Oct | 29 Oct | 3,000,000 | Closed |
Debentures, in short
How does a debenture pay me?
Interest - the coupon, a fixed % of Rs 1,000 - usually twice a year, and Rs 1,000 back on the maturity date. An 8.5% debenture pays Rs 85 a year per unit.
What is the yield to maturity?
Your yearly return if you buy at today's price and hold to the end: the coupons plus the gain (bought below Rs 1,000) or loss (bought above) back to face value.
Is it safer than shares?
Usually steadier: if the issuer gets into trouble, debenture holders are paid before shareholders - but after depositors. The price still moves with interest rates, and many debentures trade rarely, so selling early can mean a lower price.