September 2025 Bank of Uganda Treasury Bond Auction Results – What It Means for You

On September 3, 2025, the Bank of Uganda held a treasury bond auction featuring 3-year, 10-year, and 20-year bonds. These were reopening bonds — previously issued bonds that the government offered again to raise more money.

In this article, we break down what was auctioned, the interest rates (yields), how much was raised, and what this means for you as an investor in Uganda.

What Bonds Were Offered and at What Rates?

Here’s a summary of the bonds and the results from the auction:

ISINs of Bonds Reopened:

• UG12G0607287 – 15.550% 3-Year Bond maturing 06-Jul-2028

• UG12K0811352 – 16.250% 10-Year Bond maturing 08-Nov-2035

• UG12L1806433 – 15.000% 20-Year Bond maturing 18-Jun-2043

These yields reflect the interest rates that successful investors locked in.

What Do These Results Tell Us?

Let’s break it down simply:

• High Demand, Especially for the 10-Year Bond
  The 10-year bond saw extremely strong investor interest, with over UGX 1.1 trillion tendered. The government accepted UGX 885 billion, making it the most in-demand option this month.

• 3-Year Bond Still Strong for Short-Term Investors
  The 3-year bond yielded 16.00% — ideal for those looking to grow their investments without locking in for too long. If you’re saving for a goal within the next 2–3 years, this may be a great fit.

• 20-Year Bond Offers the Highest Return
  The 20-year bond yielded 17.95%, making it attractive to long-term planners. If you’re thinking about retirement or building intergenerational wealth, this is a powerful option to consider.

Real-Life Example – What You Could Earn

Let’s say you invested UGX 1,000,000 in the 10-year bond at 17.15%:

• You would earn UGX 171,500 per year in interest (paid in two instalments)

• Over 10 years, that’s UGX 1,715,000 in total interest

• At the end of 10 years, you get your full UGX 1,000,000 back

• All interest is sent directly to your wallet — no paperwork or follow-up needed

Why Are Treasury Bonds Popular in Uganda?

• High Returns: Bonds offer better rates than most fixed deposits or savings accounts.

• Reliable Income: You get paid every 6 months.

• Safety: These are backed by the Government of Uganda.

• Flexible Timelines: Bonds range from 2 to 25 years, so you can pick one that matches your goals.

How to Invest in Treasury Bonds Through Level Africa

It’s now easier than ever to invest in treasury bonds in Uganda. With Level Africa, the entire process is digital, secure, and beginner-friendly.

Steps to Get Started:

• Create an Account on Level Africa

• Upload your National ID or Passport to complete KYC

• Deposit money into your Level Africa wallet

• Choose a bond from the Treasury Bonds section

• Place your order

  • Bonds marked “Available” can be bought instantly

  • For upcoming auctions, make sure to place your order before the deadline

• Track your returns from your personal dashboard — no paperwork needed

Note: To participate in auctions, your KYC must be complete and your wallet funded before the deadline.
For the September 2025 auction, the deadline to fund your wallet and complete KYC was Sunday, September 1, and a UGX 25,000 fee applied to process your auction order.

Final Thoughts

The September 2025 treasury bond auction confirms what many smart investors already know — bonds are one of the safest and most rewarding ways to grow your money in Uganda.

Whether you’re investing for school fees, retirement, or a long-term goal, treasury bonds offer solid returns, regular income, and government-backed safety.

And now, you can access them directly on Level Africa.

Start Now – Create an Account on Level Africa!
Join our community of like-minded investors building wealth with Level Africa.
Stay updated by following our WhatsApp group and WhatsApp channel.

Previous Auction Results:
August 2025 Treasury Bond Auction – See What Investors Earned

Next Auction Invitation:
Follow our WhatsApp channel to get notified about the next bank of Uganda Treasury Bond Auction

New to Bonds?
Learn How Treasury Bonds Work in Uganda