FGN Savings Bond takes centre stage again, giving Nigerians the chance to earn up to ₦15.396% per annum.
Launched by the Debt Management Office (DMO), this January 2026 issuance helps citizens save securely while benefiting from government-backed returns.
FGN Savings Bond Returns
This round offers two bonds: a 2-year bond maturing January 2028 at ₦14.396%, and a 3-year bond maturing January 2029 at ₦15.396%.
Although designed for retail investors, institutions can also participate, increasing the market’s reach.
Subscription Details
Investors can subscribe from January 12, 2026 until January 16, 2026, with DMO settling payments on January 21, 2026.
Moreover, the bonds pay quarterly coupons, providing regular income throughout their term.
The bonds cost ₦1,000 per unit, and investors must start with at least ₦5,000, adding in multiples of ₦1,000, up to a maximum of ₦50 million.
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Because the bonds list on the Nigerian Exchange (NGX), investors can sell early if they need liquidity.
Safe, High-Yield Investment
The Federal Government guarantees FGN Savings Bonds, which makes them one of the safest ways to grow capital while earning predictable returns.
Additionally, eligible investors, including pension funds and trustees, enjoy tax-exempt interest.
The January 2026 offering comes amid persistently high interest rates.
In 2025, yields often reached mid-to-high teens, driving strong demand from investors seeking inflation protection.
Compared to December 2025, the new bonds offer slightly higher rates, further attracting buyers.
For Nigerians looking to combine security, steady income, and affordability, FGN Savings Bonds remain an attractive alternative to traditional savings products.
As a result, they continue to expand retail participation and promote a culture of savings across the country.
