#Bonds

Secure your Wealth:Invest in Bond

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Get To Know Bond

A bond is like a loan — but you’re the lender. When you buy a bond, you're lending money to a company, government, or organization. In return, they agree to:

Pay you regular interest

(called the coupon)

Return your full amount

(called the principal) at the end of a set period (called maturity)

BONDS = FIXED INCOME + CAPITAL SAFETY

It’s a low-risk, predictable way to grow your money, especially if you’re looking for stable income and capital preservation.

Key Features Of Bonds

Fixed Returns

Get regular interest payments—usually semi-annual or annual.

Defined Maturity

Know exactly when you’ll receive your principal back.

Diverse Options

Choose from government bonds, corporate bonds, tax-free bonds, PSU bonds, and more.

Credit Rating

Bonds credit rating represents the risk of the issuer defaulting.

Capital Protection

safer than equities; ideal for conservative investors.

Tradable

Many bonds are listed and tradable on stock exchanges.

Yield

Bond returns measured by Current Yield or Yield to Maturity.

Why Invest in Bonds?

Bond Choices for Every Investor

Government Bonds

Issued by the Central or State Government to raise funds. These are considered low-risk investments.

Example: Government Securities (G-Secs), Treasury Bills

Corporate Bonds

Issued by private or public companies to finance their operations or projects. These offer higher returns than government bonds but come with higher risk.

PSU Bonds (Public Sector Units)

Issued by government-owned companies, PSU Bonds offer stable returns and are considered low-risk, thanks to the backing of the Government of India. They are suitable for conservative investors seeking reliable income with minimal credit risk.

Asset allocation with 60% equity and 40% debt is a time-tested strategy.

Tax-Free Bonds

Issued by government-backed entities. The interest earned is exempt from income tax, making them ideal for tax planning.

Example: Bonds by NHAI, PFC, IRFC, REC

RBI Bonds (Floating Rate Savings Bonds)

Issued by the Reserve Bank of India, these bonds have a variable interest rate that resets every 6 months.

Capital Gain Bond - 54EC

Capital Gain Bonds are tax-saving bonds issued under Section 54EC of the Income Tax Act. They help you save long-term capital gains tax from the sale of immovable property (like land or building).

Zero-Coupon Bonds

These don’t pay periodic interest. Instead, they are issued at a discount and redeemed at face value, making your profit the difference.but repay full face value at maturity.

Convertible Bonds

Corporate bonds that can be converted into equity shares after a certain period — blending the features of debt and equity.

Perpetual Bonds

Bonds with no maturity date, paying interest forever or until the issuer decides to redeem them. Riskier, but often offer higher interest.

Sovereign Gold Bonds (SGBs)

Issued by the Government of India, these are linked to gold prices and offer both interest income and capital appreciation.

  1. Choose a Bond

    Select the type of Bond your want to Purchase, considering factors like risk, return & maturity period

  2. Open Demat Accout

    If you don’t have Demat account than, open to hold your Bonds electronically.

  3. Pay for the Bond

    Pay the Purchase price of the bond through RTGS

  4. Receive Confirmation

    Receive confirmation of your bond from 24 to 48 hours and ensure its credited to your Demat account.

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