The Debt Management Office (DMO) has opened subscriptions for the November 2025 edition of the FGN Savings Bond, inviting retail investors to participate in a secure, high-yield, government-backed savings option.
The bond is available in two tenures — a two-year bond due on November 12, 2027, with an interest rate of 13.565% per annum, and a three-year bond due on November 12, 2028, offering 14.565% per annum. Subscription opens on Monday, November 3, 2025, and closes on Friday, November 7, 2025, while the settlement date is November 12, 2025. Interest payments will be made quarterly on February 12, May 12, August 12, and November 12 until maturity.
Investors can participate with a minimum investment of ₦5,000, in multiples of ₦1,000, up to a maximum of ₦50 million. The bond remains one of the most accessible and secure investment options for retail investors, as it is fully backed by the Federal Government of Nigeria.
This offering is particularly significant because it delivers one of the highest fixed-income yields currently available to retail investors in Nigeria, providing a hedge against inflation. The bond is listed on the Nigerian Exchange, which allows investors to trade and access liquidity if needed. It also aligns with the government’s ongoing efforts to deepen the domestic debt market, promote financial inclusion, and provide low-risk investment options for individuals.
However, investors should note that while the yields are attractive, the funds are tied up for two or three years, depending on the chosen tenure. The bond’s value in the secondary market can fluctuate with changes in interest rates and credit conditions, so it’s important to invest through authorised stockbrokers appointed by the DMO.
Overall, the November 2025 FGN Savings Bond presents an excellent opportunity for those seeking a stable and rewarding investment avenue. With its competitive returns and government guarantee, it remains a smart choice for Nigerians looking to grow their savings securely.