Fixed Deposit (FD)
Deposit a lump sum for a fixed term at a fixed interest rate with partner banks and approved NBFCs.
Investments and Insurance
Government, PSU and corporate bonds that pay regular interest, bought through registered intermediaries.
- Investments and Insurance
- Usually a few working days, once KYC and demat are in place*
About Bonds — Regular Interest Income
A bond is a loan you give to a government, public sector company or corporate, which pays you interest at set intervals and returns your money at maturity. Bonds can suit investors who want predictable income and lower volatility than equity.
We explain the types of bonds, their credit ratings, tenure and tax treatment, and help you invest through SEBI-registered intermediaries. The issuer's terms apply to every bond.
Bonds carry credit risk (the issuer may fail to pay), interest rate risk and liquidity risk. Check the credit rating and offer documents before investing.
Who Needs This Service
- Retired people and pensioners looking for regular income
- Investors who want lower volatility than equity
- People with a lump sum to park for a fixed period
- Investors diversifying beyond bank deposits
Key Benefits
Regular interest
Interest is paid at set intervals, such as yearly or half-yearly.
Fixed tenure
You know in advance when the bond matures.
Range of choices
Government securities, PSU bonds and rated corporate bonds.
Risks explained
We explain credit ratings and risks before you invest.
Eligibility and Applicability
- Indian residents with PAN and completed KYC
- A demat account for most listed bonds
- A bank account for interest and maturity payments
Minimum investment, tenure and interest depend on the bond. Some bonds are available only during their issue period.
Documents Commonly Required
KYC
- PAN card
- Aadhaar or other address proof
- Recent photograph
Accounts
- Demat account details, if you have one
- Bank account details or cancelled cheque
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Understand your need
Amount, time period and whether you need regular income.
Options explained
We explain suitable bonds, their ratings, rates and risks.
KYC and demat
We help with KYC and a demat account if needed.
Invest
You invest through a SEBI-registered intermediary.
Track
Interest and maturity are paid to your bank account.
Estimated Timeline and Fees
Estimated timeline
Usually a few working days, once KYC and demat are in place
New issues have fixed subscription dates set by the issuer.
Our service fee
Any fee for our service is told to you in writing before we begin.
Lender / third-party charges
Brokerage, demat charges and taxes on interest apply as per the intermediary and current tax rules.
* Bond returns are not guaranteed by us. Payment of interest and principal depends on the issuer.
Common Mistakes to Avoid
- Choosing a bond only for its high interest without checking the rating
- Ignoring that you may not be able to sell before maturity easily
- Not considering tax on interest income
- Putting all your savings in one issuer
Frequently Asked Questions
Are bonds safe?
Government securities carry the lowest credit risk. Corporate bonds carry the risk of the issuer, so check the credit rating.
Do I need a demat account?
For most listed bonds, yes. We can help you open one.
Is bond interest taxable?
Generally yes, as per your income tax slab, unless the bond is specifically tax-free.
Related Services
You May Also Need
Mutual Funds and SIP
Start a SIP or lump sum investment in mutual funds, including ELSS tax-saving funds and goal-based plans, with help from a mutual fund distributor.
Recurring Deposit (RD)
Save a fixed amount every month and receive it back with interest at maturity, through partner banks.
Talk to Our Team
Have a Question About Bonds?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
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