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Bonds Why Bonds?

Types of Bonds?
Which bond to buy?

Indian bond market registered an impressive growth of ~165% in last ten years to ~44 lakh crore. And it is expected to double in next six years to ₹100-120 lakh crore by FY30.

Last year, JP Morgan announced India’s inclusion in its Global EM Bond Index which was a great milestone for the Indian bond markets.

Types of bonds

Thus, investment in bonds holds a lot of benefits

  • Good growth potential from high yielding bonds
  • Diversification benefits in asset allocation mix
  • Comparatively less risk and volatility from equities

There are many types of bonds based on different factors like credit risk, credit rating, YTM, maturity, default risk, type of issuer. Hence, selecting the bonds which is best suited for your profile based on age, lifestyle, financial condition is crucial.

Yield Yard helps to unravel this bond mystery for you by understanding your needs and mapping them to the relevant products available in the markets.

Listed Corporate Bonds

NCD

Sovereign Gold Bonds

Securitised Debt instruments

Current Corporate Bonds

Issure Credit Rating Maturity YTM Coupon Rate
ICRA BBB 23 Months 13.25% 11.4% Invest Now
Crisil A+ 9 Months 10.5% 9.27% Invest Now
CARE BBB 34 Months 13.5% 13% Invest Now
CRISIL A 15 Months 10.75% 0% Invest Now

SDI

  • Exchange List
  • excuted Via Demat

Diversity Pool of 280 Property Backed Loans

  • 13% Pre tax return (IRR)
  • 46 MonthTime to Maturity
  • 89,914.78Min Invesment
  • 1No of Lesses
  • MonthlyPayment Frequency
  • CARE ARating
Invest Now
  • Exchange List
  • excuted Via Demat

Pool of 250 invoice issued to Wipro, Google, Bharat Forge and Others

  • 10.8% Pre tax return (IRR)
  • 6 MonthTime to Maturity
  • 99,994.85Min Invesment
  • 1No of Lesses
  • MonthlyPayment Frequency
  • CARE ARating
Invest Now

How Bonds Works

Place request to speak with one of our executive who will guide you which bonds are currently available based on your needs

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Frequently asked question

  • What are the advantages of venturing into the Fixed Income Market (Bonds and Debentures)?

    1. The fixed income market of bonds offers investors the potential for returns as high as 9 – 10% per annum or even greater.
    2. Investments in Bonds and Debentures present a more lucrative and dependable means of growing your wealth compared to existing options like fixed deposits and mutual funds.
    3. Furthermore, you enjoy added benefits such as minimal to low risk (for AAA to A Bonds), capital appreciation, regular income generation, tax-free income, and tax-saving opportunities within this investment realm.
    4. With YieldYard's user-friendly investment platform, you gain access to bonds previously exclusive to large corporations, Family Offices, or High Net Worth Individuals (HNIs).

  • What are Non-Convertible Debentures (NCDs)? Differentiate between Bonds and NCDs.

    NCDs, or Non-Convertible Debentures, are fixed-income debt instruments issued by corporations to raise capital. They offer fixed returns to investors.

    While both NCDs and Bonds provide fixed income to investors, there are some key differences between the two:

    1. Issuers:

    • NCDs are typically issued by corporations, while Bonds are primarily issued by government entities.

    2. Interest Rates and Security:

    • NCDs often offer higher interest rates compared to Bonds and can be either secured or unsecured.
    • Bonds, on the other hand, may have lower interest rates and are generally considered senior debt securities. In the event of liquidation, bondholders are prioritized over debenture holders for repayment.

    These distinctions highlight the unique characteristics and considerations associated with investing in NCDs versus Bonds.

  • Does a lock-in period apply to bonds? Can I withdraw my invested funds from bonds at any time before maturity?

    Bonds are fully tradable securities, meaning there is no lock-in period for your bond investment. Should you wish to sell them before maturity, you can do so in the secondary market at the prevailing market price, which may differ from the par value

  • What are Corporate Bonds and debentures?

    Corporate bonds and debentures are debt investment instruments characterized by a Fixed Rate of Return and Fixed Maturity Period. While Bonds are typically securities issued by governments, debentures are exclusively issued by corporations.

    These instruments are issued by corporations to raise capital from investors, essentially functioning as loans utilized for various business endeavours such as expanding into new markets, initiating new projects, or expanding existing operations. In each bond or debenture issue, fixed interest payments (Coupons) are disbursed at regular intervals on predetermined dates. Additionally, the principal loan amount (face value per unit of Bond/Debenture) is repaid upon reaching the predetermined maturity date.

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  • Are there potential risks associated with investing in bonds?

    Within the Risk Pyramid framework, bonds are classified as low-risk securities, akin to Fixed Deposits. Nonetheless, there are a few inherent risks to consider:

    • Default Risk: This risk arises when the issuer fails to meet its obligations, resulting in the loss of principal amount or missed interest payments.
    • Liquidity Risk: Occurs when an investor needs to sell bonds before maturity but finds it challenging to locate buyers, potentially leading to selling at a discounted price.
    • Interest Rate Risk: Fluctuations in interest rates impact bond prices inversely. Rising rates can cause bond prices to fall, while falling rates can drive prices up, affecting potential capital gains or losses upon sale.
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