The January 2026 FGN Savings Bond offer is now officially closed. Stay tuned for the February 2026 offer! Click here to see other active scholarships and opportunities.
The Federal Government of Nigeria (FGN), through the Debt Management Office (DMO), has officially announced the January 2026 FGN Savings Bond offer. This investment opportunity allows Nigerians to earn stable and predictable returns while supporting national development.
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FGN Savings Bonds are designed mainly for retail investors, offering a secure way to save and invest with the backing of the Federal Government of Nigeria. In this guide, we break down everything you need to know about the 2026 FGN Savings Bond, including interest rates, subscription dates, benefits, and who can invest.
What Is the FGN Savings Bond?
The FGN Savings Bond is a government-backed debt instrument issued by the Debt Management Office on behalf of the Federal Government of Nigeria. It was introduced to encourage savings culture among Nigerians and give individuals access to government securities with affordable entry amounts.
Unlike some investment options, FGN Savings Bonds are:
- Backed by the full faith and credit of the Federal Government
- Paid with quarterly interest
- Accessible to small and medium investors
Overview of the January 2026 Offer
According to the offer circular released by the Debt Management Office, the January 2026 Savings Bond comes with two maturity options, allowing investors to choose based on their financial goals.
Available Tenors and Interest Rates
2-Year FGN Savings Bond
- Maturity Date: January 21, 2028
- Interest Rate: 14.396% per annum
3-Year FGN Savings Bond
Maturity Date: January 21, 2029
Interest Rate: 15.396% per annum
These rates are fixed for the life of the bond, meaning investors enjoy predictable returns regardless of market fluctuations.
Key Dates to Note
For interested investors, the following dates are important:
Opening Date: January 12, 2026
Closing Date: January 16, 2026
Settlement Date: January 21, 2026
Coupon (Interest) Payment Dates
Interest is paid quarterly, on:
April 21
July 21
October 21
January 21
This makes the FGN Savings Bond attractive to individuals seeking regular income from their investments.
Who Is Eligible to Invest?
FGN Savings Bonds are open to:
- Individual Nigerian investors.
- Trustees and pension funds (under applicable laws).
- Investors seeking tax-efficient and low-risk instruments.
The bond qualifies as:
A government security under Nigerian tax law.
An investment eligible for pension funds.
A liquid asset for banks’ liquidity ratio calculations.
Minimum and Maximum Subscription
One major advantage of the FGN Savings Bond is its affordability.
- Unit Price: ₦1,000 per unit
- Minimum Subscription: ₦5,000
- Maximum Subscription: ₦50,000,000
Subscriptions are made in multiples of ₦1,000 after the initial minimum.
Interest Payment and Redemption
Interest Payment: Paid quarterly directly to investors.
Redemption: Full repayment (bullet payment) on maturity date.
This structure allows investors to earn income throughout the bond’s life while receiving their principal at maturity.
Security and Risk Profile
The FGN Savings Bond is regarded as one of the safest investment options in Nigeria because:
- It is backed by the Federal Government of Nigeria
- It is governed by the Debt Management Office Establishment Act
It is supported by Nigeria’s national assets
This makes it suitable for risk-averse investors, retirees, and long-term planners.
How to Participate
Interested investors are required to invest through authorized stockbroking firms appointed as distribution agents by the Debt Management Office.
Interested investors are advised to subscribe through DMO-approved stockbroking firms.
The official list of authorized distribution agents is available on the Debt Management Office website www.dmo.gov.ng
A full list of approved distribution agents is available on the official DMO platform. Investors are advised to deal only with licensed firms to ensure compliance and security.
Why Nigerians Choose FGN Savings Bonds
Many Nigerians consider the FGN Savings Bond because it offers:
- Guaranteed returns
- Regular quarterly income
- Low entry barrier
- Government-backed security
- Predictable long-term planning
- It also helps citizens participate directly in financing national development while earning competitive interest.
Important Disclaimer
This article is for informational purposes only and does not constitute financial or investment advice. Prospective investors are encouraged to consult licensed financial advisers or authorized stockbroking firms before making any investment decisions.
Final Thoughts
The January 2026 FGN Savings Bond presents a structured and reliable investment opportunity for Nigerians seeking stability, regular income, and government-backed security. With competitive interest rates and affordable entry points, it remains a strong option for long-term financial planning.
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