Stable, predictable returns with high-grade Corporate and Government securities. Regulated by SEBI & RBI.
Issued by the RBI on behalf of the Govt of India. These carry practically zero default risk (Sovereign Guarantee) and are ideal for risk-averse investors seeking long-term stability.
Issued by top-rated companies (AAA/AA) to raise capital. They typically offer higher interest rates than Fixed Deposits. We curate only high-credit-quality bonds to minimize risk.
Specifically designed to save tax on Long Term Capital Gains from the sale of property. Issued by PFC, REC, and IRFC with a lock-in period of 5 years.
The Government of India has discontinued new Sovereign Gold Bond issuances, and no new tranches are being issued. Investors who already hold SGBs from earlier tranches continue to hold them through maturity or their scheduled early-redemption windows on the original terms. Gold ETFs and Gold Mutual Funds are the current market-linked alternatives for investors seeking similar paper or electronic gold exposure.
Read: SGBs Are Discontinued — What to Consider InsteadIssued by government-backed entities like NHAI, PFC, REC.
Includes most Corporate Bonds, NCDs, and G-Secs.
Selling a bond on the secondary market can create a capital gain or loss in addition to the regular interest income received while holding it.
| Instrument or income | Holding period | Tax treatment |
|---|---|---|
| Listed bonds | Over 12 months | 12.5% long-term capital gains tax, with no indexation |
| Listed bonds | 12 months or less | Short-term capital gains taxed at the investor's slab rate |
| Unlisted bonds and debentures | Any holding period | Always treated as short-term gains and taxed at the investor's slab rate |
| Interest income on taxable bonds | While held | Added to income and taxed at slab rate, with 10% TDS if annual interest exceeds ₹10,000 |
Where applicable, investors whose total income is below the taxable threshold may submit Form 15G or Form 15H to avoid TDS.
Credit ratings are assigned by agencies like CRISIL, ICRA, and CARE to indicate the safety of the bond. We prioritize high safety.
Lowest credit risk. Almost equivalent to sovereign safety.
Very low credit risk. Good balance of yield and safety.
Higher yield but carries moderate credit risk. Only for aggressive portfolios.
Investors primarily seeking long-term growth should consider equity, mutual fund or PMS allocations instead, with bonds playing a supporting rather than primary role in the portfolio.
Money n Wealth can help match credit quality, maturity, liquidity and taxation to each goal, then build a bond ladder or fixed-income allocation tailored to the investor's wider portfolio.
Add stability to your portfolio with high-yield bonds and government securities.
Is it right for you?
Our process
We explain credit ratings, issuer quality and security structure so you know what you are lending to.
Compare yield-to-maturity, coupon frequency, maturity and liquidity across options.
Spread maturities across years to manage reinvestment risk and create a predictable cash-flow schedule.
Choose between taxable, tax-free and 54EC bonds based on your slab and capital-gains situation.
FAQs
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Learn moreFree, no-obligation consultation with the Money n Wealth team in Thergaon, Pune — or online from anywhere in India. Leave your number and we'll call you back within one working day.
Money n Wealth is a brand of Predics Fintech Services Pvt Ltd — AMFI-registered Mutual Fund Distributor (ARN-121995) and APMI-registered PMS Distributor (APRN-07444). We are not a SEBI-registered Investment Adviser or Research Analyst; content on this page is for information and education. Mutual fund, SIF, PMS and AIF investments are subject to market risks — read all scheme and offer documents carefully before investing.