I have a few queries:
Wintwealth and GoldenPi are the best registered and regulated apps/sites for the bond investments. I use both regularly.
With wintwealth, you get less option but it is for retail investors with only senior secured bonds with perfect criteria like minimum investment, duration, etc.
On the other hand, Goldepi will give you tons of options which can be confusion. The minimum investment is also high for most of the bonds.
You can signup using my referral link and you will get 0.25% extra interest on all bonds for the first 7 days (only on wintwealth) after the signup.
wintwealth referral link:
Goldenpi referral link:
thank you so much!
You can search for symbol of bond you want to buy, similar to how you would buy stocks on Kite.
Depends on the health of organization issuing the bond. While rare, there have been instances of State backed organization defaulting in past.
Default by the State-Owned Enterprises in India
If bond is backed by govt chances are high that it will be paid. But if enterprise is in bad financial state, it might happen that money iss struck for some time, before state actually pays up.
Since “safe” is being used as a Yes-No binary/boolean here,
IMHO, the only technically correct answer is - corporate bonds are NOT safe
as they carry some risk.
Both the principal repayment and interest payments (if any) can be delayed or missed.
However, corporate bonds maybe safe-er than a few other investments.
Do checkout the rating of the bond to identify riskier bonds to avoid investing in.
The train of thought discussed in this post should help in this matter.
Also, do evaluate whether those additional few percentage points of return (compared to lower-risk investments) are actually worth the additional risk. One way to do that is by estimating the expected utility [1] [2] of various investments.
Also, if looking into bonds for safety of principal,
and still targeting a desired rate of return,
consider deploying a Seneca’s barbell portfolio
with a combination of extremely low (zero?) risk, and riskier instruments.
More details on such an approach in this recent discussion thread.
Also, couple of relevant discussion-threads on this topic -
Buying bonds in the secondary market through a broker is not recommended because liquidity can be low and tracking interest payouts becomes difficult.
Platforms like GoldenPi and WintWealth improve corporate bond liquidity by acting as intermediaries buying large blocks or providing market making services that match buyers and sellers efficiently, thereby offering retail investors better price discovery and easier trade execution than typical secondary markets.
They also provide us reports on interest and principal payout along with the dates which makes it easier to track. If you buy it through Zerodha or other brokers, you need to track it yourself.
Here is how it works:
OP asked a question “where do I see bond” and I answered him.
Whether to use Kite or any other intermediary, how to manage liquidity, track interest etc. depends on Individual choices.
Only problem I have with these intermediaries is that each one now requires a new demat account, which is something I am not comfortable with.
This is really helpful. Thanks much.
This is just awesome! Thanks so much for your help. 
have a read on this
thanks a bunch! this is really helpful.
Few SEBI-registered platforms for bonds.
| Platform | Regulated by | Types of bonds |
|---|---|---|
| IndiaBonds | SEBI | Corporate bonds, NCDs, tax-free bonds, government bonds |
| GoldenPi | SEBI | Corporate bonds, NCDs |
| Bondskart (JM Financial) | SEBI | Corporate bonds, government bonds |
| Wint Wealth (through partners) | Uses SEBI-regulated brokers | High-yield secured bonds |
Thank you very much!
Thanks a lot!
