April 2025 Bank Of Uganda Treasury Bond Auction – Results & What It Means for You

On April 16, 2025, the Bank of Uganda reopened three government treasury bonds with maturities of 2 years, 5 years, and 15 years. Reopening means these bonds were issued before and are now available again to raise more funds.

The following bonds were reopened in this auction:

• UG12G0907265 – 13.500% 2-Year Bond maturing 09-Jul-2026

• UG0000001533 – 14.250% 5-Year Bond maturing 23-Aug-2029

• UG12K2306393 – 15.800% 15-Year Bond maturing 23-Jun-2039

What Bonds Were Offered and at What Rates?

Cut-off yield is simply the fixed interest rate investors will earn on these bonds. The longer the maturity, the higher the yield — which compensates you for tying up your money longer.

What These Results Tell Us

• Strong demand. The total bids received across the three bonds crossed UGX 1.3 trillion. That’s more than the government offered — a sign that investors see bonds as safe and profitable.

• The 2-year bond at 15.75% offers a quick return and is great for conservative investors or those saving for near-term goals.

• The 5-year bond, paying 16.50%, is ideal for medium-term goals like land purchases, school fees, or business capital.

• The 15-year bond, with a 17.00% return, is perfect for long-term financial plans like retirement, wealth transfer, or generational savings.

  

Example: How Much Could You Earn?

Let’s say you invest UGX 1,000,000 in the 5-year bond:

• You’d earn UGX 165,000 every year, paid every 6 months

• Over 5 years, that’s UGX 825,000 in total interest

• You’ll still get back your UGX 1,000,000 at the end of 5 years

It’s a predictable and stable way to grow your money.

How to Invest in Treasury Bonds via Level Africa

With Level Africa, you can invest in treasury bonds digitally — no paperwork, no stress.

Here’s how to start:

1. Create an account on Level Africa

2. Complete your KYC by uploading a valid ID

3. Go to the “Treasury Bonds” section

4. Choose a bond that suits your goal

5. Deposit money into your Level wallet

6. Place your order – bonds marked “Available” can be bought instantly

7. Track your interest earnings easily from your dashboard

Final Thoughts

The April 2025 treasury bond auction shows once again that bonds are among the safest and most rewarding investments in Uganda. Whether you’re saving for something short-term or preparing for the future, there’s a bond that fits your plan.

And with Level Africa, getting started is simple and secure.

Start Now – Create an Account on Level Africa

Join our community of like minded investors like yourself today Building Wealth With Level Africa.

Stay updated by following our WhatsApp channel.

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Frequently Asked Questions About Treasury Bonds in Uganda

What are government bonds?

Government bonds are a way to lend money to the Government of Uganda. In return, the government pays you a fixed interest rate every 6 months and gives back your full investment at the end of the bond’s term.

How do treasury bonds work in Uganda?

You buy a bond (e.g. 3, 5, or 10 years), the government pays you interest every 6 months, and you get your full capital back when the bond matures. All bonds are issued and regulated by the Bank of Uganda.

What is the minimum amount to invest in government bonds?

You can start investing with UGX 100,000 using a non-competitive bid. No broker is needed when using platforms like Level Africa.

How can I buy government bonds in Uganda?

You need a Central Depository System (CDS) account or a digital investment platform like Level Africa.
Steps:

1. Create an account on Level Africa
2. Upload your National ID or Passport (KYC)
3. Go to “Treasury Bonds” under Products
4. Choose a bond that matches your investment goals
5. Deposit funds into your wallet
6. Place your order — instantly if marked “Available”
7. Track your bond and earnings from your dashboard

What are the current treasury bond interest rates in Uganda (2025)?

Rates vary by bond type and auction results. For example:

• 2-Year bond: around 15.75%
• 10-Year bond: around 16.25%
• 20-Year bond: up to 18.50%
  All rates are set during each auction by the Bank of Uganda.

Are treasury bonds safe in 2025?

Yes. Treasury bonds are backed by the Government of Uganda and are considered among the safest investments, especially for long-term or retirement goals.

Do government bonds pay interest?

Yes. Interest is called a coupon and is paid out every 6 months. You receive it directly to your wallet or bank account.

Can I sell a bond before it matures?

Yes, bonds are transferable and can be rediscounted if you need to exit early, although the resale price depends on current market rates.

How do interest rates affect bonds?

If new bond rates go up, the value of existing bonds on the market may go down (and vice versa). However, if you hold your bond until maturity, you still get your full investment and all promised interest.

What’s the difference between treasury bonds and treasury bills?

• Treasury bonds: Long-term (2–25 years), pay interest every 6 months
• Treasury bills: Short-term (91–364 days), sold at a discount and paid back in full at maturity

Can individuals buy Bank of Uganda treasury bonds?

Yes. Both individuals and institutions can invest. Many Ugandans now use Level Africa to access bonds directly with no paperwork.

How often are treasury bonds auctioned in Uganda?

Typically, every 28 days. The auction calendar is published annually by the Bank of Uganda, and Level Africa notifies you ahead of each sale.

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