WHY INVEST IN BONDS?

Fixed-income securities provide steady interest income to investors throughout the life of the bond. It also helps balancing the overall portfolio in the individual's favour.

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Learn more about exclusive fixed income events that is all designed to help you optimize your fixed-income knowledge.

Why Bond Is Better Than Fixed Deposit and Mutual Funds?

Did you know there is an investment category that earns more than bank/corporate fixed deposits? The banks and Corporates do issue bonds, which carry better yield than Bank's Fixed Deposits or Corporates Fixed Deposits. In addition, there is no TDS however, the interest income is taxable except Tax Free Bonds. Bank fixed deposit has its own advantage but it is insured only up to Five Lakh Indian Rupees.

In the case of mutual funds, there are multiple charges like entry load, exit load and many other charges. In general, these don't have fixed returns as the returns depend on the market price of the underlying bonds at the time the investor wishes to sell his funds.In general, Mutual funds don’t assure any kind of fixed returns except in very few selected products whereas these have a fixed cash flow at a predetermined maturity date i.e. Fixed Maturity Plan

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7.19% THDC INDIA LIMITED 24/JUL/2030

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Empower your portfolio with investments in corporate bonds having higher rating curated bonds through our Services.

Retail

Senior Citizen

Better returns than fixed deposits of banks to senior citizens.

Senior Citizen Bond

Tax Free Bonds

Enjoy tax free i.e. no tax payable on the interest earned on these bonds

Expert Take

Offering you the largest collection of bonds and NCDs for multiple investment choices.

Corporate Bond

Corporates issue multiple bonds having different maturity. Based on their rating, it is easier to decide which bond to choose for investment.

Bank Bonds

Multiple banks, which you trust most and invest in their Fixed Deposits, issue Perpetual Bonds or Tier II Bonds at a greater price

Government Bonds

Invest in most sought after assets class. Govt Securities, State Development Loans, Treasury Bills fall into this category

AAA Rated Bonds

Transparent Pricing. Expert Guidance Available. Bond Investing Simplified

Higher Return Bonds

Plan your long-term financial requirements with Investment In Bond's great returns.

Government Guaranteed Bonds

Government Guaranteed bonds guaranteed by the respective state/central government. Generally, investors have a good appetite for these bonds.

We understand Corporate needs much better about investment in Short term and Mid Terms Bonds having higher yields.

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Bonds are either publicly traded on exchanges or sold privately through a broker. Let's understand how it works.

1

Bonds are high yielding assets class. Bonds create a balancing force within an investment portfolio.

2

Bonds are a form of fixed income. Bonds pay interest at regular, predictable rates and intervals.

3

For retirees or other individuals who like the idea of receiving regular income, bonds can be a solid asset to own.

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About Us

Our Services

  • Provide G-Secs, SDLs, Corporate Bonds to the Corporates/Institutions and to the retailers.
  • Actively trading in G-Sec and in SDLs.
  • Forex consultancy services to the SME/MSME
  • Asset Liability management consultancy services to the SME/MSME

We provide financial planning, advice and resources that investors need. As the financial industry evolves and customer needs less complex product for their requirement, we have and continue to reinvent, innovate and transform ourselves to be ready for the financial landscape of tomorrow.

Our Team

Our team is led by Bhavanand Kumar Mishra who has outstanding expertise in the Fixed Income Market, Forex. He is M.B.A, certified associate of Indian Institute of Bankers, certified treasury professional holder from IIBF, Mumbai. He has worked as Chief Dealer in almost all asset classes especially in the Fixed Income in the treasury, with twenty plus years of expertise including overseas experience at London & Birmingham in U.K. Mr. Mishra is supported by a team of young, highly talented and experience professionals.

DID YOU KNOW?

Government Bonds are Sovereign Bonds

Corporate bonds issue both secured and unsecured bonds.

Tax saving bonds or tax-free bonds are issued by the government

Bank and Financial institution bonds are issued by various banks or financial institutions

INVEST IN AN IPO

Keep a level-headed watch on the IPO market and scale up operation and widen their search for capital.

To get easy access to every IPO information and benefits. You will have to create your Demat Account.

Navigate through the different IPO series and authenticate a payment. Get into a lot of thinking and planning before you decide on anything further.

Fill in the form to proceed further and get into the right IPO of your choice to enjoy the benefits.

If you have any queries or questions related to IPO, you can always ask our experts and we'll provide you with the help.
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Senior citizens seek high-return investment options that provide better security for themselves and their families. The best investment, however, is one that offers sufficient returns while ensuring safety. Thus, investment in better rated investment options is prudent in keeping a diverse investment portfolio. Senior citizens require an investment option that enables them to enjoy the luxuries of retired life with complete peace of mind.

NRI bonds

The growing confidence in India and in Indians encourages NRIs to invest in their homeland. If you're an NRI then, along with the other traditional investment options like real estate, mutual funds, and fixed deposits, we urge you to consider investing in bonds too. The biggest advantage of investing in bonds is that they offer Higher fixed returns than fixed deposits & greater stability and security of timely payments on a fixed schedule

HUF Bonds

The concept of a Hindu Undivided Family (HUF) as a separate entity for tax purposes was first recognised in 1917. And over the years, many families have enjoyed tax benefits because of this. HUF is entitled to hold movable as well as immovable properties of all kinds and this being so, the investment avenues for HUFs are also very wide. Investments can be made in the name of the HUF or its Karta or its members.

Investment in Bonds provides a way for NGOs to get great profits with the bonds options. We've helped organisations of all sizes with their corporate giving, skilled volunteering, and sustainability programs to support your favourite charities.

NOTE FROM OUR CUSTOMERS

"Our interaction with the team has helped in decision to choose out of the Bank Fixed Deposit or out of the Bond."

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About IIB

We provide financial planning, advice and resources that investors need. As the financial industry evolves and customer needs become more complex, we have and continue to reinvent, innovate and transform ourselves to be ready for the financial landscape of tomorrow.

Our team is led by Bhavanand Kumar Mishra who has outstanding expertise in the Bond Market, Forex. He is M.B.A, certified associate of Indian Institute of Bankers, certified treasury professional holder from IIBF, Mumbai. He has worked as Chief Dealer in almost all asset classes especially in the Fixed Income in the treasury, with twenty plus years of expertise including overseas experience at London & Birmingham in U.K. in the Punjab National Bank, which is the second largest PSU Bank in India. Mr. Mishra is supported by a team of young professionals.

Why Do You Need To Invest in Bonds?

The size of Indian Bond market is increasing substantially year on year basis and so the opportunity also multiplies. Indian Bond market consists of Central Government securities (G-Secs), State Development Loans (SDLs), Treasury Bills, these securities are also called as Sovereign assets classes. Particularly State Development Loans is a higher yield asset class and suitable for the retail investors. State Development Loans (SDLs) maintains 25 to 50 bps spread from the G-Secs in the respective maturities however, these spread is not sacrosanct and may vary depends on the multiple variables.

As far as Corporate Bonds are concerned, Public Sector Undertakings like PFC, REC, NABARD, NHAI, etc, Private Companies, NBFC are issuing multiple bonds round the year having different maturities. These corporate bonds carry substantial spread from the G-Sec.

Generally, before investing in Bank/Corporate Fixed Deposit, depositors compares the rate of different bank's offered rate of interest and then decides where to invest in. Generally, investors don't give importance to the fact that their deposits per bank is secured only up to INR 5 Lakh. Further, if the individual left with additional surplus money, he/she chooses to invest in the Debt MFs. In the debt MFs, there are multiple entry or/and exit load and other charges which makes their return less profitable than their direct investment in the bond. At the end of day, Fund Managers of the Debt MFs invest in the bonds only which are available in the market.

Summary - The diversification of the investment portfolio is the key to manage hard earned savings. While we don't negate the importance of Bank's Fixed Deposit, but at the same time we also don't appreciate investing all the money either in the Bank/Corporate FDs or in the MFs. In the modern era, when all the information are widely and easily available, we must change the investing habits a little bit to earn more without putting any extra effort. Interestingly, investing in the bond is quite easier than our believe as everything can be done sitting at the home.

What are the Different Types of Investments?

Bonds are issued by organizations generally for a period of more than one year to raise money by borrowing. Following are the types of bonds:

  • Fixed Rate Bonds
    In Fixed Rate Bonds, the interest remains fixed through out the tenure of the bond. Owing to a constant interest rate, fixed rate bonds are resistant to changes and fluctuations in the market.
  • Floating Rate Bonds
    Floating rate bonds have a fluctuating interest rate (coupons) as per the current market reference rate.
  • Zero Interest Rate Bonds
    Zero Interest Rate Bonds do not pay any regular interest to the investors. In such types of bonds, issuers only pay the principal amount to the bond holders.
  • Inflation Linked Bonds
    Bonds linked to inflation are called inflation linked bonds. The interest rate of Inflation linked bonds is generally lower than fixed rate bonds.
  • Perpetual Bonds
    Bonds with no maturity dates are called perpetual bonds. Holders of perpetual bonds enjoy interest throughout.
  • Subordinated Bonds
    Bonds which are given less priority as compared to other bonds of the company in cases of a close down are called subordinated bonds. In cases of liquidation, subordinated bonds are given less importance as compared to senior bonds which are paid first.
  • Bearer Bonds
    Bearer Bonds do not carry the name of the bond holder and anyone who possesses the bond certificate can claim the amount. If the bond certificate gets stolen or misplaced by the bond holder, anyone else with the paper can claim the bond amount.
  • War Bonds
    War Bonds are issued by any government to raise funds in cases of war.
  • Serial Bonds
    Bonds maturing over a period of time in installments are called serial bonds.
  • Climate Bonds
    Climate Bonds are issued by any government to raise funds when the country concerned faces any adverse changes in climatic conditions.

What are Bonds and Debentures?

In general, Bonds and Debentures are interchangeably used in conversation but they have their own definition and characteristics related to them.

What Are The Different Types Of Bonds and Debentures In India?

Here is the list of popular Bonds and Debentures available in India.

  • Central Government Bonds
  • State Government Bonds
  • Municipal And Local Authority Bonds
  • Corporate Bonds
  • Public Sector Bonds
  • Tax-Free Bonds