The Federal Government of Nigeria is offering investors a unique opportunity to earn up to 16.541% per annum through its September 2025 Savings Bonds. According to a circular published by the Debt Management Office (DMO) on Monday, the subscription window will close on 5 September 2025, with settlement scheduled for 10 September 2025.
The DMO is providing two subscription categories for the Federal Government of Nigeria (FGN) Savings Bond. The first is a two‑year bond maturing on 10 September 2027, carrying an annual interest rate of 15.541%. The second is a three‑year bond maturing on 10 September 2028, offering a higher annual rate of 16.541%. Both rates have risen from the previous month: the 2‑year bond increased from 14.401% to 15.541%, and the 3‑year bond from 15.401% to 16.541%. Coupon payments will be made quarterly, directly to investors, on 10 March, 10 June, 10 September, and 10 December.
Introduced in 2017, the FGN Savings Bond programme aims to deepen the domestic bond market, promote financial inclusion, and give retail investors access to secure, low‑risk government securities. Each bond unit is priced at ₦1,000, with a minimum subscription of ₦5,000 and additional investments in multiples of ₦1,000, allowing investors to subscribe for up to ₦50 million. The bonds are eligible for tax exemption for pension funds and other qualified institutional investors, as they qualify as approved investments under the Trustee Investment Act and are recognized as government securities under both the Company Income Tax Act (CITA) and the Personal Income Tax Act (PITA).
With competitive interest rates and quarterly coupon payments, the programme offers an attractive, low‑risk option for investors. As the subscription window closes on 5 September 2025, interested investors are encouraged to take advantage of this opportunity to earn strong returns on their investments.
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