DMO Launches Latest FGN Savings Bonds Offering for December 2025
The Debt Management Office (DMO) has officially launched its December 2025 subscription window for the FGN Savings Bond (FGNSB), opening up fresh opportunities for retail investors to invest in secure, short‑ to medium‑term government securities.
As in previous rounds, the bonds are offered in two- and three‑year tenors, each unit priced at N1,000.
Retail investors are typically required to subscribe for a minimum amount (often N5,000) and can increase investment in multiples of N1,000 — with upper limits when applicable.
What makes FGNSB attractive is that they are backed by the full credit of the Federal Government of Nigeria (FGN), offering a low-risk alternative to many private-sector investments.
Bonds issued under the scheme also allow for quarterly interest payments, with the principal redeemed at maturity — a structure that appeals to investors seeking regular income plus capital safety.
A financial analyst commenting on the December offer observed:
“This latest savings‑bond issue provides a rare opportunity for retail Nigerians to earn steady returns while their capital remains secured under government guarantee.”
Given Nigeria’s dynamic economic climate, including fluctuating interest rates and inflationary pressures, the December FGNSB subscription may present a timely, lower-risk option for individuals looking to preserve value, earn predictable returns, and avoid the volatility often seen in bank deposit rates or informal savings.
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