The FGN Savings Bond 2026 offers retail investors 14.4–15.4% interest with low entry, backed by the sovereign guarantee of the Nigerian government

The Federal Government of Nigeria (FGN) has launched a new FGN Savings Bond offer aimed at retail investors, providing competitive interest rates and low entry requirements, according to a statement by the Debt Management Office (DMO)on Monday.

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The offer allows investors to subscribe to a two-year bond maturing on 21 January 2028 at an annual interest rate of 14.396 per cent, or a three-year bond maturing on 21 January 2029 with a higher return of 15.396 per cent per annum.

Interest payments will be made quarterly, with principal repayment due at maturity.

Subscription opened on Monday, 12 January 2026, and will close on Friday, 16 January 2026, with settlement scheduled for 21 January 2026.

Bonds are priced at N1,000 per unit, with a minimum subscription of N5,000 and multiples of N1,000 thereafter, while the maximum subscription per investor is N50 million.

The DMO emphasised that the savings bonds are fully backed by the full faith and credit of the Federal Government, highlighting their low-risk nature.

They also qualify as government securities under Nigerian law, are eligible for pension and trustee investments, are tax-exempt, listed on the Nigerian Exchange Limited, and count as liquid assets for banks’ liquidity ratio requirements.

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The initiative is part of the Federal Government’s drive to encourage savings among Nigerians while offering a safe and profitable investment option in the retail market