"N5,000 minimum investment": FGN savings bonds open for subscription with above 14% interest rates
- The DMO has opened subscriptions for the August 2025 Federal Government of Nigeria savings bonds, offering appealing interest rates
- The minimum investment is N5,000, with quarterly interest payments and a maximum subscription limit of N50 million
- Although interest rates have slightly declined from July, demand remains strong, with over N4.27 billion in total allotments recorded in July
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Legit.ng journalist Victor Enengedi has over a decade's experience covering Energy, MSMEs, Technology, Banking and the Economy.
The Debt Management Office (DMO) has unveiled the Federal Government of Nigeria (FGN) savings bonds for August 2025, featuring competitive interest rates of up to 15.401% annually.
According to a circular posted on the DMO’s official X (formerly Twitter) account on Monday, August 4, 2025, the subscription period for the savings bonds runs from Monday, August 4, to Friday, August 8, 2025.

Source: UGC
What are FGN savings bonds?
The Federal Government of Nigeria (FGN) Savings Bond, launched in 2017, was designed to expand the local bond market, encourage more people to invest, and provide regular citizens with a safe way to invest in government-backed securities.
These bonds are approved investments under the Trustee Investment Act and are recognised as official government securities by tax laws like the Company Income Tax Act and the Personal Income Tax Act.
In addition, the bonds are listed on the Nigerian Exchange (NGX), allowing investors to buy and sell them if needed. They also count as liquid assets for banks when calculating their liquidity ratios.
Two bonds on offer in August 2025
This month’s issuance includes two bond types: a two-year bond maturing on August 13, 2027, with an annual interest rate of 14.401%, and a three-year bond set to mature on August 13, 2028, offering a higher yield of 15.401%.
Each bond unit is priced at N1,000, with a minimum purchase requirement of N5,000. Investors can make additional purchases in multiples of N1,000, up to a maximum investment of N50 million.
Interest payments will be made quarterly, on February 13, May 13, August 13, and November 13.
These bonds, backed by the federal government, provide a secure investment option for Nigerians while supporting broader economic goals.
Notably, the interest rates for August represent a decline from those offered in July 2025, when the two-year bond was pegged at 16.762% and the three-year at 15.762%.
The drop is likely influenced by the Central Bank of Nigeria’s continued retention of its benchmark interest rate at 27.5%, aimed at curbing inflation and strengthening the naira.
Despite the rate adjustment, appetite for savings bonds remains strong. In July, the DMO recorded N4.27 billion in total allotments, including N853.8 million for the two-year bond across 1,078 investors, and N3.4 billion for the three-year option, subscribed to by 1,591 investors.
Offer summary
- Tenor: 2 and 3 years
- 2-Year Bond: 14.401% P.A
- 3-Year Bond: 15.401% P.A
- Coupon Paid Quarterly
- Coupon Payment Dates: Nov. 13, Feb. 13, May 13, August 13
- Maturity: 13 August 2027 (2-Year), 13 August 2028 (3-Year)
- Minimum Investment: N5,000
- Closing Date: Friday, August 8, 2025
- Tradable on the NGX
- Eligible as Loan Collateral

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Source: UGC
How to subscribe
The DMO urged interested investors to contact the stockbroking firms appointed as distribution agents by the DMO. Visit www.dmo.gov.ng for the full list of distribution agents.
FG assures of capital market's safety
Meanwhile, Legit.ng earlier reported that the FG guaranteed investors and important players that their capital market assets will be protected, even in the face of the country's economic turbulence.
Wale Edun, the minister of finance and coordinating minister of economy, provided the guarantee at the Kano Hybrid Sensitisation Seminar on Investments and Securities Tribunal (IST).
The minister emphasised the importance of the capital market in raising funds for economic growth and social infrastructure, and he affirmed the administration's resolve to bolster investor confidence.
Source: Legit.ng