indiabonds
Invest in Bonds & FD's online.
Website: indiabonds.com
indiabonds press releases
-
Making bond markets accessible, transparent to investors.
-
When I have surplus funds that I may need in the near term, my first priority is simple: capital protection with easy access. This is exactly where many investors start evaluating a Sweep Fixed Deposit (Sweep FD). A Sweep FD links my savings account to a fixed deposit such that any balance above a chosen threshold is “swept” into an FD automatically, and when I need money, it can be broken (partly or fully) to maintain liquidity. How a Sweep FD actually works In a Sweep FD setup, I keep a...
-
When I think about adding gold to a portfolio, I look at two practical routes that avoid the hassles of lockers, making charges, and purity concerns: Gold Bonds (specifically Sovereign Gold Bonds) and Gold ETFs. Both are designed to mirror gold prices, but they behave differently in terms of cash flows, liquidity, and how patient you need to be as an investor. What I mean by “Gold Bonds” In India, “gold bonds” usually refers to Sovereign Gold Bonds (SGBs) issued by...
-
When I evaluate a bond, I’m rarely satisfied with looking only at the coupon rate. The coupon tells me what interest the issuer pays on face value, but it doesn’t tell me what I earn if I buy the bond at a premium or a discount and hold it till maturity. That is where Yield to Maturity (YTM) becomes my go-to metric. What exactly is YTM? YTM is the annualized return I can expect if I purchase a bond at today’s market price, collect all coupon payments on time, and hold the...
-
When I evaluate fixed deposits (FDs) for my own portfolio, I remind myself of one simple truth: FD interest rates are not random. They move with the economy, the banking system’s needs, and the specific features of the deposit I choose. Understanding what drives these rates helps me pick a tenure and issuer that match my goal—without chasing a headline number. 1) RBI policy and the interest-rate cycle The most important driver is the broader interest-rate environment, influenced by the...
-
When someone asks me how to invest in bonds, I don’t begin with yields. I begin with a question I would ask myself if I were lending money to a person I know: Why are they borrowing, and how confident am I that they will pay me back on time? A bond is that same idea, formalised. I lend to an issuer—government, bank, PSU, or company—and in return I may receive periodic interest and the principal back at maturity. It can feel straightforward, but the quality of outcomes...
-
When I evaluate fixed income options, I often start with a simple question: what am I being paid for, and what can go wrong? That’s the clearest way to understand the risks and returns of corporate bonds. In India, the corporate bond market has expanded meaningfully over the years, and indian corporate bonds are now used by a wide range of investors who want predictable cash flows, portfolio balance, and exposure beyond bank deposits. What “return” really means in a...
-
When I sit down to value a bond, I try to picture it the way an investor actually experiences it: a series of cash receipts over time. Some receipts are predictable coupon payments, and the last one is the principal coming back on maturity. Bond valuation is simply the process of converting those future receipts into a fair value today, using a rate that reflects what the market currently demands. Start with the bond’s “payment promise” Before I touch any formula, I note three...
-
When I first started looking beyond fixed deposits, I kept hearing about corporate bonds—but the process felt unclear. The good news is: once you understand the basics, buying bonds is fairly structured. In this guide, I’ll break down what I learned, step by step, so you can understand how do i buy corporate bonds in a practical, no-drama way. What exactly are corporate bonds? At the simplest level, corporate bonds are loans that investors give to companies. In...
-
For many senior citizens in India interest from deposits and bonds is the main source of income. When banks or issuers start cutting TDS on every payout it can disturb monthly cash flow. If your total income is below the taxable limit you can avoid this by using Form 15H. These days most banks allow 15 h form online buy bonds platforms also guide you through the same process. Here is a simple step by step explanation of what to do. What is Form 15H Form 15H is a self declaration for...
-
Every investor looks for balance — some growth, some safety, and a steady rhythm that makes money feel dependable. That’s where corporate bonds quietly come in. They don’t promise excitement; they promise order. And in a market that often swings between thrill and panic, understanding what are corporate bonds can help bring calm to a portfolio. Think of a bond as a simple handshake between a company and an investor. The company borrows; you lend. In return, it pays...
-
When people in India hear about company borrowing they usually think of bank loans or public issues of bonds. There is one more important piece of the debt puzzle at the short end of the market. These are commercial papers. If you understand what are commercial papers in everyday language it becomes easier to see how they affect your funds deposits and even some of the products you already use. In simple terms a commercial paper is a short maturity promise to pay issued by a company or a...
-
When you invest in bonds it is easy to look only at the interest rate printed on the bond. That number is called the coupon. In real life though your true return also depends on the price you pay today and how long you hold the bond. Yield to maturity often shortened to YTM brings all these pieces together into one useful number. In simple words YTM is the annual return you would earn if you buy a bond at its current market price hold it till maturity receive all interest payments on time and get your...
-
The first time I looked at tax free bonds India investors keep discussing, I wasn’t chasing headline returns. I was chasing peace of mind. Markets can be noisy; these bonds felt calm. Over time, I’ve learned why they sit comfortably in a steady-income plan and when they deserve a place—no hype, just clarity. What “tax-free” actually means Tax-free bonds are long-term debt securities issued by government-backed entities to fund public...
-
When I first looked beyond equities and FDs, corporate bonds felt like a quiet corner of the market—important, but easy to ignore. Then a colleague described them in one line: “It’s you lending to a company, and the company paying you back with interest on fixed dates.” That clarity changed how I viewed income in my portfolio. If you’ve also wondered, how do I buy corporate bonds, this is the exact path I followed—without jargon and with the small...
-
If you’ve ever looked at the bond section of a financial website and felt lost, you’re not alone. The world of corporate bonds may look complicated, but once you strip away the jargon, it’s really just a collection of lending arrangements dressed in different forms. The trick lies in knowing the main corporate bond types and what each one quietly promises — or withholds. Start with the simplest divide: secured and unsecured. A secured bond is backed by...
-
For a long time, the Indian bond market was something people only read about in newspapers. Ordinary savers assumed it belonged to institutions, pension funds, or big-ticket investors. But the landscape has changed. Today, it’s possible for anyone with a demat account to buy corporate bonds within minutes. The real question now is not whether it can be done, but how do I buy corporate bonds — and which method fits best between online and offline routes. To begin...
-
Markets often make a simple word sound complicated. Appreciation, at its core, is just value going up. But how appreciation works in different assets is a more layered story. Gold, property, bonds, stocks — each rises (or doesn’t) for different reasons. And knowing those reasons is what separates lucky gains from informed investing. Start with equities. Share prices appreciate when profits grow, when investors believe in future earnings, or even when sentiment alone drives demand...
-
Gold is more than a shiny metal in India. It is dowry, it is Diwali gifting, it is that comfort purchase when uncertainty strikes. But the shift from necklaces to financial products has been gradual. Today, the Sovereign Gold Bond (SGB) is one of the most structured ways to hold the yellow metal. And the advantages of sovereign gold bond are clearer once you stop seeing it as just a piece of paper and start treating it as a portfolio tool. The first and most practical advantage is storage. No...
-
When I think about savings and investments, one lesson that always stays with me is that money should grow with time, not stand still. In India, we’ve always had a culture of parking our money in safe options like fixed deposits or government schemes. But as interest rates change, sometimes what looked attractive at the start may lose its shine. That’s where the floating rate bond RBI offers comes into play—it’s like having an investment that breathes with the...
