This Document sets forth the terms and conditions that apply to the access and use of the Website investmentinbonds.com, Mobile Application and any other website(s), web-page, sub-portal or applications made available to the Users from time to time (hereinafter collectively referred as "Platform") by BON4EQUI GLOBAL CONSULTING PRIVATE LIMITED (CIN: U74999MH2021PTC362292), a company within the meaning of the Companies Act, 2013 having Registered Office at 304; 3rd Floor D Wing; Aakar Residency-D; Waghbil; Ghodbunder Road; Near TJSB Bank; Thane; Thane; Maharashtra; 400615; India (hereinafter referred to as "the Company").
This document is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011, that provides for the due diligence to be exercised for the access or usage of Platform.
a.The use of terms "We" ,"Our",or "Us" in this Document refers to the Company along with its representatives and this Platform.
b.The use of terms"You", "Your", "User" or "Visitor"in this Document refers to the Users accessing/visiting/using this Platform.
c."Comments" are all reviews, comments, feedback, postcards, suggestions, ideas, and other submissions disclosed, submitted or offered relating to our Services.
d.Where the Platform may allow the User to initiate transactions in some or all of the financial instruments, it will be referred to as"Transaction Services".
In consideration of your use of the Platform, you represent that you are of legal age to enter into binding contract and not debarred from entering capital/ securities market transactions under the Applicable Laws.
You agree that, to use the Services, you may be compelled to complete the registration process on the Platform by providing personal and financial information/documents.
If any portion of the Platform requires you to register and provides you with log-in credentials for future use, you are responsible for maintaining the confidentiality of the log in credentials. You agree to immediately notify Platform of any unauthorized use of your account or any breach of security and change your password(s) immediately.
Notwithstanding anything provided above, the Platform may rely on the authority of any person accessing your account, using your registrations/ log-in credentials and in no event and under no circumstances shall Platform be held liable for breach of confidentiality of your registration details or log-in credentials.
In addition to the above, you also agree to provide true, accurate, current, and complete information about yourself as prompted on the Platform, as and when required. In an event of the User providing untrue, inaccurate, outdated or incomplete (or becomes untrue, inaccurate, not current or incomplete) information, we reserve the right to suspend or terminate your account and refuse any and/or all ongoing or future use of the Platform (or any portion thereof). We strongly recommend that you must exit from your account at the end of each session.
You acknowledge that Company owns all legal right, title and interest including any intellectual property rights of the Platform (whether those rights are registered or not) including its "look and feel" (e.g. text, graphics, images, logos and button icons). The User has limited right to view and avail the Services of the Platform. Any unauthorized use by the User shall terminate the permission granted to view/ use the Platform and may make you (User) liable for damages/ losses.
Visitors or Users may view, print copies and download the information for personal, non-commercial or educational purpose without in any way amending, altering, deleting or modifying any part of the information, and with due acknowledgement that the information originated from this Platform. Information may be used for commercial purpose after obtaining prior permission of the Company. Users must inform third party (with whom document/ information is shared) that material shall not be copied or reproduced in any way.
The trademarks, logos, brand-names, service marks ("marks") not owned by or on behalf of the Company and that are displayed on this Platform are the registered and unregistered marks of their respective owners. No rights are granted by Platform to use such marks, whether by implication, estoppel, or otherwise.
Any information or data available on the Platform may contain inaccuracies and/or typographical errors. The Company does not warrant that the Platform or functions thereof will be uninterrupted or free of any error or defect or that information on the Platform will satisfy any intended purpose or requirement of the User.
The Company shall not be responsible for the delay or inability to use the Platform or related functionalities, the provision of or failure to provide functionalities, or for any information, software, functionalities. Further, the Company shall not be held responsible for non-availability of the Platform at any point in time for any reason whatsoever.
The development of the Platform with respect to the nature of the information or data available on the Platform is a continuous and on-going process. The Company disclaims all liability and/or responsibility for loss of any information or data, or any consequence, intended or unintended, due to the operation of the Platform. Information or data available on the Platform may not be current or up to date for any purpose.
We do not warrant that the functions contained, information and materials on the Platform, including, without limitation, any third-party sites or services linked to the Platform will be uninterrupted, timely or error-free, that the defects will be rectified, or that the Platform or the servers that make such content, information, and materials available are free of viruses or other harmful components.
User acknowledges that the Company is not a qualified"investment"advisor"and you"should not construe"any information provided on the Platform to constitute"investment advice. You agree and understand that the Company is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor in any manner or form. The Company provides referral services for financial products, these products do not pertain to the Company. The information, calculations, assessments, reference to particular bond(s)/ fixed income security/ financial product(s) and estimation(s) reflected as a result of one or more search options as appearing on this Platform are result of automated process or results obtained through selection of one or more search options and are not in any-way construed as requests to engage in investment operations.
The Company may from time to time make available to its Users, several Services which are in the beta. The Company will clearly highlight beta features in its Services to clearly differentiate them from the rest of the features. If you wish to use such beta Services, this Clause will govern the use of such beta Services.
The Company grants Customer a non-exclusive, non-transferable right to use the beta Services for a period designated by the Company for the purpose of testing and evaluation of such beta Service by providing the Company with early feedback on the performance of beta Service, identification of any defects, reporting of any bugs, usability of beta Service, and ideas for improvement of beta Services.
It is hereby clarified that the beta Services may contain bugs, errors, omissions, and other problems; and the Company will not provide any support and maintenance for its beta Services. The User hereby understands and accepts that any risk or damages arising out of the use or performance of beta Services will be User"s responsibility.
The beta Services may not operate correctly and may be substantially modified prior to first commercial availability or may be withdrawn at any time. Although the Company will make best possible efforts to intimate users of beta Services about any modification or termination of the beta Services ahead of time, the Company reserves the right to modify or terminate the beta Services and your access to the beta Services for any reason, without notice, at any time, and without any liability to you. Once the beta Services are terminated, the Company will not be obliged to provide continued access to data collected during the testing period.
The Terms & Conditions may be revised and/or amended at any time, without any intimation/notice to the Users. Your use (continued use) of the Platform signifies your acceptance of the Terms in force at the time of its utilization.
You are prohibited from posting or transmitting to or from this Platform:
News and Blogs Section of this Platform may contain articles, analysis, research report and reviews etc. ("Document") that have been sourced from the various Vendors/ Authors empanelled with the Company. The sources of all such Document have been named and clearly indicated at appropriate places. Except for publishing rights that have been expressly granted to the Company by the respective Vendors/ Authors, the Company does not claim any other rights in such Documents, including copyrights and other intellectual property rights. Such articles have been published on the Platform for information purposes only and the Company disclaims all liability in connection therewith.
You agree that, prior to using any Transaction Services made available on this Platform, you have read and understood the terms and contents of the offer documents, terms of issue, scheme information documents, statements of additional information, if any, including schemes of the third-party service provider relating to the financial product where you intend to invest. You shall ensure that all investment and disinvestment decisions are based on your own evaluation of financial circumstances and investment objectives. This extends to any decisions made by you based on any information that may be made available on this Platform.
You understand that the Company may tie-up with payment gateway(s) (Merchant Services- Payment Facilitation) to allow you to make online payments/ discharge settlement obligation and is only acting as a facilitator. However, the Company shall not be held responsible in any manner whatsoever for use of such facility by User.
You shall not hold nor seek to hold the Platform, the Vendor(s), third party service provider(s), facilitating agency(ies) or any of their officers, directors, partners, employees, agents, subsidiaries, affiliates or business associates liable for any losses, damages, liability, costs, expenses incurred by you, as a result of relying upon investment information, research opinions or advice or any other material/information whatsoever on the Platform, literature, brochure available on the Platform. The User may seek independent professional advice regarding the suitability of any investment decisions.
You acknowledge that the information provided through the Platform in the form of research material solely for the purpose of knowledge creation of the User and any such information may not be considered as an advice.
You acknowledge that this Platform acts as a referral party only. The financial transaction will be initiated and consummated between the User (you) with the Vendor(s)/ issuers of the securities. All financial transactions initiated on this Platform shall be concluded/ settled as per the applicable regulatory framework between you and the Vendor. The Platform shall not be liable/ responsible in any manner whatsoever for the settlement / execution/ conclusion or consummation of transactions.
As an Investor, you agree to comply with the relevant Know Your Client norms ("KYC") or other information disclosure/ registration norms as may be laid down by Securities Exchange Board of India or any other governmental/ statutory/ regulatory authorities from time to time.
The issuer/ Vendor/ counter party has the right to reject a transaction in case of a failure to comply with KYC and other applicable investment norms/ instructions, internal parameters set for the same. The onus of adhering to the KYC norms is on the User.
You may indicate your intention to buy and/or sell/ deal in the financial product using this Platform and the same shall be forwarded by/ through the Platform to the Vendor(s)/Counter Party empanelled on the Platform together with the registration/ contact details. The Vendor(s)/ the Company shall contact you (User) to understand the exact requirements and initiate the transactions viz. buying and selling of financial product at agreed value and at agreed terms as may be decided between User and Vendor directly without the intervention of the Platform.
The Vendor may ask for additional documents, declarations, confirmations to confirm/ complete the transactions/ deal.
The transaction(s) may also get rejected/ may not be consummated due to non- fulfilment of pay-in (funds and securities) obligation by Parties to the deal. The Platform shall not be responsible for settlement/ reporting obligations at any point in time.
You understand that there is no implied guarantee/ warrantee that any transaction in which any interest is shown by the User shall mandatorily materialise. We and/ or the Vendor shall not be responsible in case of decline/ rejection/non- happening of the deal for which interest is indicated through Platform for any reasons.
The User understands that there could be delay in transmitting any request/ inclination/ interest to the Vendor/ Counter Party, due to technical and/or non-technical reasons. The User shall not hold the Company responsible for any losses suffered on account of such delay(s).
The Platform reserves the right, at its sole discretion to reject/ to put on hold the interest/ inclination shown by the User (Lead) using this Platform due to technical glitches, incomplete/inchoate registration documents, suspicious activities from the account etc.
transmission of data using electronic systems is vulnerable to temporary disruptions, breakdowns or failures. The Platform does not accept responsibility for any losses incurred / that may be incurred by the User due to such eventualities which are beyond the control of the Platform.
If this Platform contains message/bulletin boards, chat rooms, or other message or communication facilities (collectively, "Forums"), you agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, you agree that when using a Forum, you shall not do any of the following:
a.Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
b.publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.
c.Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
d.Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
e.Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.
You shall not sue or otherwise make or present any demand or claim, and irrevocably, unconditionally and entirely release, waive and forever discharge the Company, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter "Release"), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses"), whatsoever, in law or equity, whether known or unknown, which you ever had, now have, or in the future may have against the Release with respect to the Services.
In no event shall the Company, its affiliates, and their respective officers, owners, directors, employees and agents, licensors, licensees, consultants, or contractors be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable resulting from:
a.The use of or the inability to use the Platform;
b.Errors, defects, omissions, delays in operation or transmission, or any other failure of performance of this Platform or any of the services availed;
c.Unauthorized access to or alteration of your transmissions or data;
d.Statements or conduct of any third party on the Platform;
e.Inaccuracies, incompleteness, errors appearing in the information, documents and materials shared on this Platform.
fAny other matter incidental to the Platform.
If you are discontented with the use of this Platform, or any of the information contained thereon, or refuse to abide by the terms and conditions stipulated; then the sole and exclusive remedy for you is to discontinue the use of this Platform;
Notwithstanding the above, if the Company is found liable for any proven and actual loss or damage which arises out of or in any way connected with any of the occurrences described above, then you agree that the liability of the Company shall be restricted to, in the aggregate, any Service/referral fees earned by the Company in connection with transaction(s)/ Services in relation to which liability has arisen, if applicable.
b.Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the services and ancillary Services. We reserve the right to discontinue or suspend, temporarily or permanently the access of this Platform, at any point of time without giving notice or reasons for the same.
c.We are under no obligation to monitor the communication transmitted using this Platform. However, we reserve the right to review information posted/ selected/ transmitted at our sole discretion."
Documents sent by electronic means viz. by electronic e-mail (including any auto replies from the system), an electronic mail attachment, or in the form of an available download option from the Platform shall deemed to have fulfilled any obligation (legal or otherwise) to deliver such document.
The Company, its affiliates, and their respective officers, owners, directors, employees, agents, consultants, or contractors and service providers shall be relieved of all responsibilities/ obligations, in the event of failure of performance is resulting directly or indirectly due to act of Force Majeure or causes beyond our reasonable control.
You further acknowledge and agree that neither we, nor any of the foregoing entities are responsible or liable for (a) any incompatibility between the Platform and any other platform, service, software or hardware or (b) any delays or failures you may experience with any transmissions or transactions relating to the Platform in an accurate or timely manner.
The Platform, Services, all your transactions through the Platform, and our relationship shall be governed by the laws of India.
Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by Company and You, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. The Place of Arbitration shall be Mumbai and the language of Arbitration shall be English.
You agree that the Company may, at its sole discretion, suspend or terminate your access to all or any part of Platform without prior notice and without assigning any reasons."
In the event any provision or part of this Document is found to be invalid or unenforceable, only that particular provision or part so found, and not the entire Document, will be inoperative.
Notwithstanding any provisions of this Terms, or any general legal principles to the contrary, any provision of these Terms that impose or contemplate continuing obligations on a party will survive the expiration or termination of the relationship between the Parties, viz. Platform and User.
Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies
If you have any concerns, complaints or grievances about the terms or other users or their manner of use of the platform, please feel free to contact the Grievance Officer any time on email@example.com
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.
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.
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:
In general, Bonds and Debentures are interchangeably used in conversation but they have their own definition and characteristics related to them.
Here is the list of popular Bonds and Debentures available in India.