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High Return Investment Options 2026: Earn Up to 9% Annual Return Amid FD Rate Pause

Vikram Singh

February 21, 2026 at 10:40 AM IST · 3 min read

Investment Options 2026: The Reserve Bank of India’s (RBI) recent Monetary Policy Committee meeting decided to keep the repo rate stable at 5.25%, which has directly impacted bank fixed deposit rates, which are currently experiencing stagnation.

While the country’s largest bank, State Bank of India, is offering a maximum interest rate of 7.05% on its fixed deposit schemes, there is an option available in the market that can provide you with excellent returns of up to 9% annually. If you are looking to add security and inflation-beating returns to your portfolio, IIFL Finance’s new NCD (Non-Convertible Debenture) issue could be an excellent investment opportunity.

9% Annual Return and Timeframe

Best Investment Options

IIFL Finance Limited, a leading non-banking financial company, has announced the launch of its public issue of redeemable non-convertible debentures, which opened for investment on Tuesday, February 17, 2026. Investors can invest in this scheme until March 4th, with the company aiming to raise a total of ₹2,000 crore through this issue.

The most important feature of this investment is that the company has set different maturity periods, allowing you to invest for a tenure of 24 months, 36 months, or 60 months, depending on your needs, and choose to receive interest payments monthly, annually, or directly at maturity.

Is Your Money Safe

When it comes to investing outside of bank FDs, security is a major concern, but rating agencies have expressed a very positive attitude towards this issue from IIFL Finance. CRISIL Ratings has assigned the issue an AA/Stable rating, while Brickwork Ratings has assigned it a BWR AA+ (Stable) rating, which means the company’s financial position is very strong and there is very little credit risk. This high rating assures investors of timely repayment of principal and interest, making it a strong alternative to bank FDs.

Company’s Business Model

Investment Scheme

IIFL Finance is licensed by the Reserve Bank of India as a middle-tier NBFC and offers a variety of loan products to both retail and corporate customers to meet their financial needs. The company’s core products include home loans, gold loans, MSME secured and unsecured loans, as well as personal loans and microfinance services. As of December 2025, the company’s network spans 4,761 branches across India, serving over 4.6 million customers, demonstrating its market presence and credibility.

Investment Method

If you wish to participate in this issue, the face value is only ₹1,000 per NCD, and allocation will be done on a first-come, first-served basis. These NCDs will be listed on the BSE and NSE to provide investors with liquidity, or the ability to withdraw funds if needed, in the future. Reputable institutions such as Trust Investment Advisors, Nuvama Wealth, and IIFL Capital Services are the lead managers to the issue, ensuring transparency and ease of the entire process.

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