Invest in Bonds with Confidence
Creating Wealth with Vision, Planning, and Trust
A bond is a loan you give to a government or a company. You earn interest at regular intervals and get your money back on a fixed date. Learn how bonds work, then explore them on IndiaBonds.
See a bond's cash flow
Move the sliders to see what a bond could pay you.
Your coupon calendar
Illustration only, using simple yearly interest. Real bonds differ in payment dates, price and yield.
What is a bond?
When a government or company needs money, it can borrow from many investors by issuing bonds. You lend the money, and the issuer promises to pay you interest and return your principal at maturity.
At Sahare Wealth, we help you understand your options so you can choose bonds that match your goals, timeline and comfort with risk.
- Face value
- The amount the issuer repays you when the bond matures.
- Coupon
- The interest rate the bond pays, usually a percentage of face value, paid monthly, quarterly, half-yearly or yearly.
- Maturity
- The date the bond ends and your principal comes back.
- Credit rating
- An opinion from a rating agency on how likely the issuer is to repay. Higher ratings, such as AAA, mean lower credit risk.
Why people invest in bonds
Bonds can add steady income and balance to your investments.
Regular income
Many bonds pay interest on a fixed schedule, which helps if you want predictable cash flow.
Known end date
You know when the bond matures and what the issuer has promised to pay.
Choice of issuers
Pick from government and corporate issuers with different ratings, tenures and coupons.
Portfolio balance
Bonds can balance a portfolio that is heavy on stocks, mutual funds or fixed deposits.
Ratings you can check
Rating agencies publish opinions on issuers, so you can compare risk before you invest.
Goal-oriented approach
Match a bond's maturity to a goal, such as a child's education or your retirement income.
Common types of bonds
The issuer decides most of a bond's risk and return.
Government Securities
Issued by the Government of India and backed by the central government. Prices still move when interest rates change.
Issuer: Central governmentState Development Loans
Issued by state governments. They often offer slightly higher yields than G-Secs.
Issuer: State governmentsCorporate Bonds
Issued by companies, NBFCs and PSUs. Returns depend on the credit rating, so always check it.
Issuer: Companies and PSUsTax-Free Bonds
Interest is exempt from income tax. These are mostly bought and sold in the secondary market.
Issuer: Government-backed entitiesStart in three simple steps
Register
Create your account on IndiaBonds using the button below.
Complete KYC
Verify your identity as the platform asks. Keep your PAN, Aadhaar and bank details ready.
Choose and invest
Compare bonds by issuer, rating, coupon and maturity, then invest in the ones that fit your goals.
Know the risks first
Credit risk
The issuer may delay or miss payments. Lower-rated bonds usually pay more because this risk is higher.
Interest rate risk
When market interest rates rise, the price of existing bonds usually falls. This matters if you sell before maturity.
Liquidity risk
Some bonds are hard to sell quickly. You may have to accept a lower price or wait for a buyer.
Frequently Asked Questions
1. Are bonds safer than stocks?
Bond prices are generally less volatile than stock prices, but bonds are not risk-free. Safety depends on the issuer and its credit rating.
2. Can I sell a bond before maturity?
Often yes, in the secondary market. The price you get may be higher or lower than what you paid, and some bonds trade less often than others.
3. What is the minimum investment?
It differs from bond to bond. Check the minimum amount shown for each bond on the platform.
4. How is bond interest taxed?
Interest from most bonds is added to your income and taxed at your slab rate. Some bonds, such as tax-free bonds, are treated differently. Please check with a tax professional for your situation.
5. Who can invest in bonds?
Any investor who completes KYC and meets the platform's requirements can invest. Call us if you are unsure where to begin.
The best time to invest is NOW.
Take the first step toward steady income and financial security. We are here to help you build wealth and achieve your dreams.
Investor Education Hub
Invest in Bonds with Confidence
Earn fixed returns through bonds, including G-Secs, SGBs, PSU and NBFC bonds. Get guidance from our team and open your account in minutes.
Open Your Bond AccountInvestments in debt securities are subject to risks, including delay and/or default in payment. Please read all offer-related documents carefully before investing. We are an authorised partner of Bondbazaar Securities Private Limited.