Bonds & Debentures
Fixed income beyond FDs — G-Secs, corporate bonds and tax-free bonds.
- G-Sec Yields
- ~6.5–7.2% p.a.
- Corporate (AAA/AA)
- ~7.5–9.5% p.a.
- Tax-free Bonds
- Available (secondary)
- Regulated By
- RBI / SEBI
Bonds pay you regular interest and return the principal at maturity — a stability layer for any portfolio. We provide access to government securities (the safest instruments in India), rated corporate bonds with higher yields, and tax-free bonds from public-sector issuers, all held safely in your demat account.
Features & benefits
- Government securities — sovereign safety, assured coupons
- Rated corporate bonds and NCDs with higher yields
- Tax-free PSU bonds via secondary market
- Regular interest payouts (monthly / annual options)
- Tradeable — exit via secondary market before maturity
- Lower volatility than equity
Eligibility
- Age 18+
- Valid PAN and Aadhaar
- Demat account (we help you open one)
- KYC compliance
Documents required
- PAN and Aadhaar
- Demat account details
- Bank account details
- Address proof
How it works
- 1
A short conversation on goals, horizon and risk
- 2
We propose a plan with specific products
- 3
Complete KYC and invest online
- 4
Regular reviews to keep you on track
Frequently asked questions
How are bonds different from fixed deposits?
Bonds are tradeable securities whose price moves with interest rates, and credit quality depends on the issuer. They often yield more than FDs and can offer tax advantages, but require a demat account and a little more understanding — that's where we come in.
What are tax-free bonds?
Bonds issued by PSUs like NHAI and REC whose interest is fully exempt from income tax — attractive for investors in the 30% slab. New issues are rare, but we source them in the secondary market.
Can I lose money in bonds?
Two risks: credit risk (issuer default — mitigated by sticking to sovereign and AAA/AA-rated paper) and price risk if you sell before maturity when rates have risen. Held to maturity, a quality bond pays exactly what was promised.
What minimum amount do I need?
Corporate bonds now trade at face values as low as ₹10,000–₹1 lakh, and G-Secs can be bought from ₹10,000 via RBI Retail Direct. Meaningful diversification starts around ₹2–5 lakhs.