Comments & Insights

Interest Rate Trend

G-Sec yields declined further across all maturities, reflecting a continued easing in the interest rate environment.

Yield Comparison

Compared to 28 March 2024, yields decreased by an average of 37 bps, with the largest decline observed in shorter tenures.

Impact on Obligations

Lower discount rates may increase the present value of employee benefit obligations, assuming other actuarial assumptions remain unchanged.

Impact on Plan Assets

The decline in yields may increase the fair value of fixed-income plan assets under mark-to-market (MTM) valuation, partially offsetting the rise in liabilities.

This version maintains the same tone and length as your previous quarterly reports while accurately reflecting the March 2025 data.

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Insights

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Volatility in the Interest Rate March 2017 v/s June 2017

Employee Benefit Obligations are to be valued based on G-Sec rate of estimated term as prevalent at the end of the reporting period.

Topic to be covered: Volatility in the Interest Rate March 2017 v/s September 2017

Employee Benefit Obligations are to be valued based on G-Sec rate of estimated term asprevalent at the end of the reporting period.

KAP’s Interest Rate Updates For Employee Benefits as on 30th June 2025

Summary of G-sec rates and par yields for employee benefits as of 30th June 2025.

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