Investor interest remained strong, with total bids reaching UGX 1.4 trillion against UGX 990 billion offered.

Bonds Offered and Results at a Glance

What These Results Mean

1. The Bonds Offered

The Bank reopened three existing bonds:

• 3-Year bond (UG12G0607287) paying a 15.550% coupon, maturing July 2028

• 10-Year bond (UG12K0811352) paying a 16.250% coupon, maturing November 2035

• 20-Year bond (UG12L1806433) paying a 15.000% coupon, maturing June 2043

Reopening allows both new and existing investors to buy into bonds already in circulation, improving liquidity in Uganda’s bond market.

2. Cut-off Yield Explained

The cut-off yield is the final accepted rate in the auction. It determines how much return investors will earn.
Think of it as the winning interest rate after all bids have been reviewed.

For instance, a bond closing at 16 percent means investors who bid at or below that rate will earn that return until the bond matures.

3. Amount Raised

Although UGX 990 billion was offered, the Bank accepted UGX 1.12 trillion, reflecting strong investor confidence and a competitive bidding environment.

4. Investor Demand (Bid-to-Cover Ratio)

The Bid-to-Cover Ratio measures how many times total bids exceeded the amount offered:

• 3-Year: 1.907

• 10-Year: 1.211

• 20-Year: 1.192

Ratios above 1.0 show oversubscription, which means government bonds continue to attract strong demand from both institutional and individual investors.

What an Investor Could Earn

When you invest in a Treasury Bond, you earn interest every six months until the bond matures, and your full principal is returned at the end of the term.
It is a predictable way to grow your money while preserving capital.

However, investors should note that interest earned on government securities is subject to Withholding Tax (WHT).

Withholding tax on Bank of Uganda bonds depends on the bond’s maturity.
Shorter-term bonds (under 10 years) typically attract a 20 percent withholding tax on interest payments, while longer-term bonds (10 years and above) are subject to a 10 percent withholding tax.
This tax is automatically deducted before you receive your interest, so there is no extra filing required on your part.

Even after tax, Treasury Bonds remain one of the most stable and rewarding investment options available, offering consistent income backed by the Government of Uganda.

How to Invest in Treasury Bonds Through Primary Dealers (PDs)

For investors who prefer the traditional route, Treasury Bonds are available through Primary Dealer (PD) banks licensed by the Bank of Uganda.

Step-by-Step Guide

1. Choose a Primary Dealer Bank
   Select one of the licensed banks: Absa, Centenary, Citi, DFCU, Equity, Housing Finance, Stanbic, or Standard Chartered.

2. Open an Investment Account
   If you do not already bank with them, you may need to open one. The PD will also help you create a Central Securities Depository (CSD) account at Bank of Uganda.

3. Place Your Bid Through the Bank
   Tell your bank how much you want to invest and in which bond maturity (2-year, 5-year, 10-year, etc.). The bank will submit your bid on your behalf.

4. Meet the Minimum Requirement
   The smallest investment allowed is UGX 100,000, though some PDs may have higher internal minimums.

5. Settlement
   If your bid is successful, your bank will debit your account on settlement day, which in this case is October 30, 2025, for the committed amount.

6. Earning Returns
   You will receive interest every six months directly to your bank account and get your full principal back at maturity.

How to Invest in Treasury Bonds Through Level Africa

It is now easier than ever to invest in bonds in Uganda.
With Level Africa, everything is done online, securely, and in minutes.

Steps to Get Started

1. Create an Account on Level Africa
   Visit Level Africa to register.

2. Upload Your National ID or Passport
   Complete your KYC (Know Your Customer) verification.

3. Deposit Money into Your Level Africa Wallet
   Fund your account using mobile money or bank transfer.

4. Choose a Bond from the Treasury Bonds Section
   Browse available bonds and maturities.

5. Place Your Order
   Bonds marked “Available” can be bought instantly.
   For upcoming auctions, place your order at least three days before the auction date to give your investment enough time to be processed.

6. Track Your Returns
   Monitor your investments and interest payments directly from your Level Africa dashboard.

Note: A one-time UGX 25,000 fee applies to process your bid.
If you missed this auction, you can still prepare for the next one by completing your KYC and funding your wallet early.

Start Now – Create an Account on Level Africa!

Final Thoughts

The October 2025 auction reaffirms the resilience of Uganda’s bond market and the growing confidence of investors in fixed-income assets.
With yields between 16 and 18 percent, Treasury Bonds remain one of the most reliable ways to build long-term wealth.

Whether you prefer investing through your Primary Dealer bank or directly via Level Africa, the goal is the same: to grow your money safely and consistently while earning competitive returns.

Ready to Invest?

Join our community of like-minded investors building wealth with Level Africa.

Stay updated by following our WhatsApp channel and joining our Investor WhatsApp Community.

We’ll walk with you every step of the way.

FAQs – Treasury Bonds in Uganda

What are treasury bonds?
They are long-term loans you give to the government in exchange for fixed interest.

How often is interest paid?
Every 6 months directly to your Level Africa wallet.

What’s the minimum investment?
UGX 100,000 for non-competitive bids on Level Africa.

Is the interest taxed?
Yes. Withholding tax is 10% or 20%, depending on the bond.

Can I sell my bond before maturity?
Yes, on the secondary market — but prices may vary.

How do I know which bond to pick?
Start with your goal: short-term = 2-year, medium-term = 5-year, long-term = 15-year+

The post October 2025 Uganda Treasury Bond Auction Results – Strong Investor Demand Across All Terms appeared first on Level Africa.

• 3-Year Bond (UG12J1301280) – 14.125% maturing 13-Jan-2028

• 10-Year Bond (UG12K2206346) – 14.250% maturing 22-Jun-2034

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

If you’re planning to grow your investments through stable, government-backed assets, here’s what you need to know.

What Does “Re-opening” Mean?

These are not new bonds. They’ve been offered before, and now the government is looking to raise more money by offering additional units of the same bonds. If you invest, you’ll be joining an existing group of investors but you’ll still earn the same coupon interest based on your purchase price.

What These Bonds Offer You

3-Year Bond – Short-Term Commitment

• Ideal if you’re planning for expenses in the next 2–3 years.

• Great for school fees, weddings, or land deposits.

• Pays interest every 6 months.

10-Year Bond – Medium-Term Planning

• Good for business expansion, real estate goals, or your children’s secondary or university education.

• More interest than shorter bonds, with regular coupon payments.

20-Year Bond – Long-Term Wealth

• Designed for retirement planning, legacy investments, or long-term wealth preservation.

• Highest return potential over time.

• Suits those building generational wealth.

Deadline to Participate

To join this auction, you must complete your investment steps before Friday, 25 October 2025.

How to Invest in Treasury Bonds Through Primary Dealers (PDs)

1. Choose a Primary Dealer Bank
   Select one of the licensed banks: Absa, Centenary, Citi, DFCU, Equity, Housing Finance, Stanbic, or Standard Chartered.

2. Open an Investment Account
   If you don’t already bank with them, you may need to open an account. They’ll also help you open a CSD (Central Securities Depository) account at the Bank of Uganda in your name.

3. Place Your Bid Through the Bank
   Tell your bank how much you want to invest and in which bond maturity (2-year, 5-year, 15-year, etc.). They will submit the bid on your behalf at the auction.

4. Meet the Minimum Requirement
   The smallest investment allowed is UGX 100,000. Your PD will guide you if they set higher internal minimums.

5. Settlement
   If your bid is successful, your bank (the PD) will debit your account on settlement day (in this case, October 2, 2025) for the committed amount.

6. Earning Returns
   You’ll receive interest every 6 months directly into your bank account, and the full principal at maturity.

How to Invest in Treasury Bonds Through Level Africa

It’s now easier than ever to invest in bonds in Uganda. With Level Africa, everything is done online, securely, and in minutes.

Steps to Get Started:

1. Create an Account on Level Africa

2. Upload your National ID or Passport to complete KYC

3. Deposit money into your Level Africa wallet

4. Choose a bond from the Treasury Bonds section

5. Place your order

6. Bonds marked “Available” can be bought instantly

7. For upcoming auctions, place your order before the deadline

8. Track your returns right from your dashboard

Note: To participate in this auction, complete your KYC and fund your wallet before 25 October 2025.
A one-time UGX 25,000 fee applies to process your bid.

What Happens After You Invest?

Once the auction takes place on 29 October 2025, Bank of Uganda will decide the cut-off yields for each bond based on demand.

If your bid is successful:

• You’ll begin earning interest (coupon payments every 6 months)

• You can track your bond on your Level Africa dashboard

• You’ll get your capital back when the bond matures

Final Thoughts

This is a great opportunity for Ugandans looking for a safe, low-risk, and consistent way to grow their money.

Whether you’re planning for a short-term goal or thinking long-term, this auction gives you multiple options. And with Level Africa, the process is simple, fast, and fully licensed.

Ready to Invest?

Join our community of like-minded investors building wealth with Level Africa.

Stay updated by following our WhatsApp channel and joining our Investor WhatsApp Community.

We’ll walk with you every step of the way.

FAQs – Treasury Bonds in Uganda

What are treasury bonds?
They are long-term loans you give to the government in exchange for fixed interest.

How often is interest paid?
Every 6 months directly to your Level Africa wallet.

What’s the minimum investment?
UGX 100,000 for non-competitive bids on Level Africa.

Is the interest taxed?
Yes. Withholding tax is 10% or 20%, depending on the bond.

Can I sell my bond before maturity?
Yes, on the secondary market — but prices may vary.

How do I know which bond to pick?
Start with your goal: short-term = 2-year, medium-term = 5-year, long-term = 15-year+

The post October 2025 Uganda Treasury Bond Auction: 3, 10 & 20-Year Bonds Now Open appeared first on Level Africa.

If you’re new to investing in bonds, or just tracking Uganda’s economic outlook, here’s what the numbers mean and how you can take advantage.

What Bonds Were Reopened and at What Rates?

Cut-off yield = The interest rate you lock in if your bid is successful during the auction. It’s the real return you’ll earn annually on your investment.

What These Results Tell Us

• Strong demand for long-term bonds: The 15-year bond attracted massive attention — over UGX 2.4 trillion was raised from this one bond alone. It shows Ugandans are thinking long term and prioritizing wealth preservation.

• Higher returns for longer terms: The longer you commit your money, the higher the interest rate. From 15.75% for 2 years to 17.65% for 15 years, the trend is clear.

• Government is raising serious capital: Over UGX 2.7 trillion was raised across the three bonds — an indication of confidence in the safety and returns of government debt.

Real-Life Example – What You Could Have Earned

Let’s say you invested UGX 1,000,000 in the 5-year bond at 16.20%:

• You’d earn UGX 162,000 per year in interest paid out in two parts every 6 months.

• Over 5 years, you’d collect UGX 810,000 in interest.

• At maturity, you get back your original UGX 1,000,000.

All this with minimal risk — the government guarantees to pay you.

How to Invest in Treasury Bonds Through Primary Dealers (PDs)

1. Choose a Primary Dealer Bank
   Select one of the licensed banks: Absa, Centenary, Citi, DFCU, Equity, Housing Finance, Stanbic, or Standard Chartered.

2. Open an Investment Account
   If you don’t already bank with them, you may need to open an account. They’ll also help you open a CSD (Central Securities Depository) account at the Bank of Uganda in your name.

3. Place Your Bid Through the Bank
   Tell your bank how much you want to invest and in which bond maturity (2-year, 5-year, 15-year, etc.). They will submit the bid on your behalf at the auction.

4. Meet the Minimum Requirement
   The smallest investment allowed is UGX 100,000. Your PD will guide you if they set higher internal minimums.

5. Settlement
   If your bid is successful, your bank (the PD) will debit your account on settlement day (in this case, October 2, 2025) for the committed amount.

6. Earning Returns
   You’ll receive interest every 6 months directly into your bank account, and the full principal at maturity.

How to Invest in Treasury Bonds Through Level Africa

It’s now easier than ever to invest in bonds in Uganda. With Level Africa, everything is done online, securely, and in minutes.

Steps to Get Started:

1. Create an Account on Level Africa

2. Upload your National ID or Passport to complete KYC

3. Deposit money into your Level Africa wallet

4. Choose a bond from the Treasury Bonds section

5. Place your order

   • Bonds marked “Available” can be bought instantly

   • For auctions, place your order before the deadline

6. Track your returns right from your dashboard

Note: This particular auction has already closed. But you can prepare early for the next one — complete KYC, fund your wallet, and you’ll be ready when the next invitation is announced.

Final Thoughts

The October auction reminds us of something important: wealth building is a long game. Whether you’re saving for your child’s education, retirement, or a business goal — Treasury Bonds are a solid way to grow your money safely.

And now, thanks to platforms like Level Africa, you don’t need to go through brokers or line up at banks to get started.

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 channel and joining our Investor WhatsApp Community.

We’ll walk with you every step of the way.

FAQs – Treasury Bonds in Uganda

What are treasury bonds?
They are long-term loans you give to the government in exchange for fixed interest.

How often is interest paid?
Every 6 months directly to your Level Africa wallet.

What’s the minimum investment?
UGX 100,000 for non-competitive bids on Level Africa.

Is the interest taxed?
Yes. Withholding tax is 10% or 20%, depending on the bond.

Can I sell my bond before maturity?
Yes, on the secondary market — but prices may vary.

How do I know which bond to pick?
Start with your goal: short-term = 2-year, medium-term = 5-year, long-term = 15-year+

The post October 2025 Bank of Uganda Treasury Bond Auction Results & What It Means for You appeared first on Level Africa.

Here’s everything you need to know.

Bonds on Offer – October 2025 Auction Details

The following bonds are being reopened in this auction. That means they were originally issued earlier but are now available again to raise more funds for government projects.

💡 Tip: The longer the term, the higher the interest rate — but also the longer your money stays invested.

What These Bonds Mean for You

• The 2-Year Bond is a short-term investment that offers a 14.125% return annually. Ideal for investors looking to test out treasury bonds without a long wait.

• The 5-Year Bond pays 15.500% annually and is great for medium-term goals — like building capital for a business or paying future school fees.

• The 15-Year Bond pays 15.800% per year and is a long-term choice for people saving for retirement, wealth preservation, or legacy planning.

These are all fixed-rate bonds, meaning once you invest, your interest doesn’t change — even if rates move later.

How to Invest in Treasury Bonds Through Primary Dealers (PDs)

1. Choose a Primary Dealer Bank
   Select one of the licensed banks: Absa, Centenary, Citi, DFCU, Equity, Housing Finance, Stanbic, or Standard Chartered.

2. Open an Investment Account
   If you don’t already bank with them, you may need to open an account. They’ll also help you open a CSD (Central Securities Depository) account at the Bank of Uganda in your name.

3. Place Your Bid Through the Bank
   Tell your bank how much you want to invest and in which bond maturity (2-year, 5-year, 15-year, etc.). They will submit the bid on your behalf at the auction.

4. Meet the Minimum Requirement
   The smallest investment allowed is UGX 100,000. Your PD will guide you if they set higher internal minimums.

5. Settlement
   If your bid is successful, your bank (the PD) will debit your account on settlement day (in this case, October 2, 2025) for the committed amount.

6. Earning Returns
   You’ll receive interest every 6 months directly into your bank account, and the full principal at maturity.

How to Invest in Treasury Bonds Through Level Africa

It’s now easier than ever to invest in bonds in Uganda. With Level Africa, everything is done online, securely, and in minutes.

Steps to Get Started:

1. Create an Account on Level Africa

2. Upload your National ID or Passport to complete KYC

3. Deposit money into your Level Africa wallet

4. Choose a bond from the Treasury Bonds section

5. Place your order

   • Bonds marked “Available” can be bought instantly

   • For upcoming auctions, place your order before the deadline

6. Track your returns right from your dashboard

Note: To participate in auctions, make sure your KYC is complete and your wallet is funded before the auction date. For this auction, that means before October 1, 2025. A one-time UGX 25,000 fee applies for processing your bid.

Why Investors Are Paying Attention

Treasury bonds continue to attract high demand. They are:

• Safe – Backed by the Government of Uganda

• Rewarding – Pay higher interest than most savings accounts

• Passive – Interest is paid to your wallet every 6 months

Final Thoughts

The October 2025 auction gives you another opportunity to grow your money with confidence. Whether you’re saving for a goal next year or planning decades ahead, there’s a bond that can work for you.

Join Our Investor Community

Join our community of like-minded investors building wealth with Level Africa.
Stay updated on upcoming bond auctions, rate changes, and expert tips.

• Join our WhatsApp Community

• Follow our WhatsApp Channel

• Start Now – Create an Account on Level Africa!

FAQs – Treasury Bonds in Uganda

What are treasury bonds?
They are long-term loans you give to the government in exchange for fixed interest.

How often is interest paid?
Every 6 months directly to your Level Africa wallet.

What’s the minimum investment?
UGX 100,000 for non-competitive bids on Level Africa.

Is the interest taxed?
Yes. Withholding tax is 10% or 20%, depending on the bond.

Can I sell my bond before maturity?
Yes, on the secondary market — but prices may vary.

How do I know which bond to pick?
Start with your goal: short-term = 2-year, medium-term = 5-year, long-term = 15-year+

The post October 2025 Bank of Uganda Treasury Bond Auction – What You Should Know appeared first on Level Africa.

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.

Bank of Uganda Treasury Bond Auction Result September 2025

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

The post September 2025 Bank of Uganda Treasury Bond Auction Results – What It Means for You appeared first on Level Africa.

Here’s what you need to know.

What Bonds Are Being Offered?

In this auction, three bonds are being reopened — meaning they were originally issued earlier, but are being sold again to raise additional funds.

The following bonds will be available:

• 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 bonds come with different timelines and interest rates (also called coupon rates), so you can choose based on your investment goals.

Key Auction Dates

• Auction Date: Wednesday, September 3, 2025

• Settlement Date: Thursday, September 4, 2025

• Deadline to Invest via Level Africa: Tuesday, September 2, 2025 at 5:00 PM

If you’re participating through Level Africa, be sure to complete your investment before the deadline.

How Much Is Being Raised?

The government aims to raise:

• UGX 230 billion from the 3-Year bond

• UGX 330 billion from the 10-Year bond

• UGX 430 billion from the 20-Year bond

This is a significant offer and a clear sign of strong investor interest in long-term government-backed assets.

What Kind of Returns Can You Expect?

Each bond has a fixed interest rate — called a coupon — which is paid to you every 6 months. Here’s how it works:

Example: 3-Year Bond at 15.550%

• If you invest UGX 1,000,000

• You’ll earn UGX 155,500 per year in interest (split into two payments of UGX 77,750 every 6 months)

• After 3 years, you’ll have received UGX 466,500 in total interest

• You also get back your original UGX 1,000,000

This is why bonds are considered one of the safest and most predictable investments in Uganda today.

How to Participate in the September 2025 Treasury Bond Auction

The next treasury bond auction is scheduled for Tuesday, September 3, 2025, and includes the following bonds:

• 3-Year Bond – Reopening

• 10-Year Bond – Reopening

• 20-Year Bond – Reopening

If you want to participate in this auction through Level Africa, here’s exactly what to do:

Step-by-Step

1. Create an Account on Level Africa
   Visit level.africa and sign up for your free investment account.

2. Complete KYC
   Upload your National ID or Passport by Sunday, September 1, 2025.

3. Deposit Money into Your Level Africa Wallet
   Make sure your wallet is funded before placing your order.

4. Choose a Treasury Bond That Fits Your Goals
   Select from the 3, 10, or 20-year bonds depending on your investment timeline.

5. Place Your Order Before the Auction Date
   Deadline: September 2, 2025 (latest recommended placement).

6. Track Your Returns
   Monitor your investment from your Level Africa dashboard.

🔔 Important
A one-time fee of UGX 25,000 is charged to process your auction bid. Make sure to factor this in when funding your wallet.

Final Thoughts

This September auction offers strong returns, especially if you’re planning for medium to long-term goals like tuition, retirement, or wealth preservation.

The 10-Year and 20-Year bonds offer especially attractive coupon rates. But if you’re looking to test the waters or plan for a shorter goal, the 3-Year bond is also a solid choice.

Ready to invest in treasury bonds?

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 and channel

Missed last month’s results?
Catch up on the Aug 2025 Bond Auction Performance and Yields here → Read the August Auction Summary

The post September 2025 Bank of Uganda Treasury Bond Auction – What You Should Know appeared first on Level Africa.

These results help us understand how much the government raised, how much interest investors can earn, and what it means for anyone considering treasury bonds as an investment.

Let’s break it all down.

Which Bonds Were Auctioned?

The following bonds were part of this auction:

• UG12J1301280 – 14.125% 2-Year Bond maturing 13-Jan-2028 (Reopening)

• UG12H0108300 – 15.500% 5-Year Bond maturing 01-Aug-2030 (New Issue)

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

• UG12M0707507 – 16.000% 25-Year Bond maturing 07-Jul-2050 (New Issue)

These included a mix of short-, mid-, and long-term options — allowing investors to choose based on their financial goals.

Interest Rates (Cut-off Yields)

These are the final interest rates investors locked in:

These rates are annual returns. So if you invest UGX 1,000,000 in the 15-year bond, you’d earn UGX 176,500 in interest each year.

What Do These Results Tell Us?

• Investor Demand Was High:
  All four bonds were oversubscribed. For example, the 25-year bond had UGX 851 billion offered — but only UGX 805 billion was accepted. This shows strong trust in long-term government securities.

• 2-Year Bond Is Still Popular:
  With a 15.75% return and shorter commitment, this bond appeals to cautious or first-time investors.

• The New 5-Year Bond Offers Stability:
  It gave a 15.50% rate — slightly lower than the 2-year, but appealing to medium-term savers.

• The 15-Year Bond Offered the Highest Return:
  At 17.65%, it’s the highest return of all bonds this auction. This suits long-term investors building wealth or saving for retirement.

• The 25-Year Bond Is Now Live:
  This is ideal for generational wealth, education planning, or future property investments. The rate is strong at 16%, and it signals the government’s commitment to long-term financing.

Real-Life Example – How Much Could You Earn?

If you invested UGX 1,000,000 in the 15-Year bond at 17.65%:

• You’d earn UGX 176,500 per year in interest

• Interest is paid in two installments — every 6 months

• After 15 years, you’d have earned UGX 2,647,500 in total interest

• And you’ll still get your UGX 1,000,000 principal back at the end

All paid directly into your wallet — no hassle.

How to Invest in Treasury Bonds Through Level Africa

It’s now easier than ever to invest in bonds in Uganda. With Level Africa, everything is done online, securely, and in minutes.

Steps to Get Started:

1. Create an Account on Level Africa

2. Upload your National ID or Passport to complete KYC

3. Deposit money into your Level Africa wallet

4. Choose a bond from the Treasury Bonds section

5. Place your order

   • Bonds marked “Available” can be bought instantly

   • For upcoming auctions, place your order before the deadline

6. Track your returns right from your dashboard

Note: To participate in auctions, make sure your KYC is complete and your wallet is funded before the deadline.
For this auction, for example, the deadline was August 4, and a UGX 25,000 fee applied.

Final Thoughts

This August 2025 auction reinforced one thing — treasury bonds remain one of Uganda’s best low-risk investment options.

Whether you’re investing for school fees, retirement, or long-term wealth building, there’s a bond that fits your timeline and risk comfort.

You can now access them easily through Level Africa, without paperwork or intermediaries.

Ready to invest in treasury bonds?

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 and channel

Want to know what’s coming next?
Read about the upcoming bond auction in September → September 2025 Bank of Uganda Treasury Bond Auction – What You Should Know

The post August 2025 Bank Of Uganda Treasury Bond Auction Results and Rates appeared first on Level Africa.

Here’s a simple breakdown of what bonds are on offer, how the auction works, and what it means for you as an investor.

What Bonds Are Being Auctioned?

The following bonds will be available in this auction:

• UG12J1301280 – 14.125% 2-Year Bond (Re-opening), maturing 13-Jan-2028

• UG12H0108300 – 5-Year Bond (New), maturing 01-Aug-2030

• UG12K2306393 – 15.800% 15-Year Bond (Re-opening), maturing 23-Jun-2039

• UG12M0707507 – 25-Year Bond (New), maturing 07-Jul-2050

Each bond has a different purpose and suits different investor needs:

• The 2-year bond is great for short-term planners.

• The 5-year and 15-year bonds are ideal for medium to long-term financial goals like buying land or saving for your child’s education.

• The 25-year bond is perfect for building generational wealth or planning for retirement.

How Much Is Being Raised?

The government is looking to raise a total of UGX 1.4 trillion:

Key Dates to Remember

• Auction Date: Wednesday, August 6, 2025

• Settlement Date: Thursday, August 7, 2025

• Interest Payment: Twice a year, directly to your account or wallet

How to Participate in This Auction

If you’d like to take part in the August 2025 bond auction, here’s what you need to do:

Step-by-Step:

1. Create an Account on Level Africa

2. Complete KYC — Upload your National ID or Passport before Sunday, August 4, 2025

3. Deposit Money into your Level Africa Wallet

4. Choose a Treasury Bond that fits your goals

5. Place Your Order before the auction date

6. Track Your Returns directly from your dashboard

Note: A one-time UGX 25,000 fee applies to process your auction bid.

Real-Life Example – What You Could Earn

If you invest UGX 1,000,000 in the 2-year bond at an interest rate of 14.125%:

• You’d earn UGX 141,250 per year, split into two payments

• Over 2 years, that’s UGX 282,500 in total interest

• At maturity, your full UGX 1,000,000 is returned to you

No need to chase after your money — interest is paid automatically.

Final Thoughts

The August 2025 auction presents a wide range of opportunities. Whether you want a short-term return or you’re investing for future generations, there’s something for you. Government bonds remain one of the safest and most stable investment options in Uganda — and now they’re more accessible than ever.

Ready to invest in treasury bonds?

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 and channel

Missed last month’s results?
Catch up on the July 2025 Bond Auction Performance and Yields here → Read the July Auction Summary

The post August 2025 Bank of Uganda Treasury Bond Auction – What You Should Know appeared first on Level Africa.

Here’s a simplified breakdown of what happened, what it means, and what investors should take away from this month’s bond activity.

What Bonds Were Auctioned?

The following bonds were offered in this auction:

• UG12G0607287 – 15.550% 3-Year Bond (New), maturing 06-Jul-2028

• UG12K0811352 – 16.250% 10-Year Bond (Re-opening), maturing 08-Nov-2035

• UG12L1806433 – 15.000% 20-Year Bond (Re-opening), maturing 18-Jun-2043

These bonds vary in how long you invest your money and how much interest (return) you receive. The longer the term, the higher the rate tends to be — but the longer you wait to access your principal.

What Were the Final Yields?

The cut-off yield is the interest rate you earn if your bid is accepted. These are strong returns — especially for long-term investors.

Key Takeaways from This Auction

• Investor Demand Was High: For example, the government offered UGX 330 billion in the 10-year bond but received over UGX 1.17 trillion in competitive bids.

• Short-term or long-term — returns were solid: The 3-year bond gave a strong 15.55% yield, which is attractive for lower-risk, shorter-term investment. Meanwhile, the 20-year bond offered a higher 17.90% for long-term planners.

• Treasury bonds continue to attract strong interest in Uganda, as they remain one of the safest investment options that beat traditional savings accounts or fixed deposits.

Real-Life Example – What Could You Earn?

If you invested UGX 1,000,000 in the 10-year bond at 17.10%:

• You’d receive UGX 171,000 per year, paid in two instalments (every 6 months).

• Over 10 years, that’s UGX 1,710,000 in interest.

• At the end of 10 years, you get your UGX 1,000,000 back — all without lifting a finger.

How to Invest in Bonds Through Level Africa

Getting started is easier than ever with Level Africa. No banks, no paperwork, no delays.

Here’s how to participate:

1. Create an Account on Level Africa

2. Upload Your ID to complete KYC

3. Go to Treasury Bonds under products

4. Choose a bond that matches your financial goal

5. Deposit funds into your Level Africa wallet

6. Place your order (before the auction or choose from “Available” bonds for instant purchase)

7. Track your interest and portfolio in real-time

For auction participation, ensure your wallet is funded and KYC completed at least 2 days before the auction date. A UGX 25,000 processing fee applies.

Final Thoughts

The July 2025 bond auction reflects a healthy demand for government securities. With yields ranging from 15.55% to 17.90%, treasury bonds remain one of the best ways to grow your money safely in Uganda.

Whether you’re saving for a child’s education, retirement, or just want consistent income — bonds can help you get there.

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 and channel

Want to know what’s coming next?
Read about the upcoming bond auction in August → August 2025 Bank of Uganda Treasury Bond Auction – What You Should Know

The post July 2025 Bank Of Uganda Treasury Bond Auction Results – What Investors Need to Know appeared first on Level Africa.

Here’s everything you need to know about the upcoming auction and how to invest through Level Africa.

What Bonds Are Being Offered?

On July 9, 2025, Bank of Uganda is auctioning:

Auction Details

• Auction Date: Wednesday, July 9, 2025

• Settlement Date: Thursday, July 10, 2025 (T+1)

• Coupon Interest Payments: Every 6 months

• Minimum Investment:

  • UGX 100,000 for non-competitive bids

  • UGX 200,100,000 for competitive bids

• Bid Submission Deadline: 10:00 AM on auction day

• How Bids Are Priced:

  • 3-Year Bond: Bids submitted in yield to maturity (e.g., 14.125%)

  • 10-Year & 20-Year Bonds: Bids quoted as price per 100 (e.g., 99.125)

• Cut-Off Yield: All successful investors get the same rate — the auction’s highest accepted yield

Who Can Invest?

• Anyone with a CDS account — including individuals, companies, and foreigners

• If you’re bidding competitively (above UGX 200M), bids must go through a Primary Dealer Bank (e.g., Absa, Stanbic, Standard Chartered)

Why This Auction Matters

• The new 3-year bond offers flexibility for short-term investors

• The 10-year bond is great for building wealth through medium-term goals like tuition or housing

• The 20-year bond offers consistent income and is ideal for retirement, legacy planning, or long-term projects

• Interest is paid every 6 months, directly to your account

How to Invest with Level Africa

With Level Africa, you can buy treasury bonds without paperwork or going through banks.

Here’s how to get started:

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

Final Thoughts

This July 2025 auction is a powerful opportunity to start or grow your fixed-income portfolio. Whether you’re investing for 3 years or 20, these bonds offer government-backed returns and peace of mind.

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.

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.

The post July 2025 Bank Of Uganda Treasury Bond Auction – 3, 10, and 20-Year Bonds Up for Grabs appeared first on Level Africa.