An initiative by Epsilon Money
Bonds
Less risky than equity. More returns than an FD.
What Are Bonds?
Bonds are a type of loan you give to a company, government, or institution. In return, they promise to pay you back with interest — on time, at regular intervals.
Think of them as your personal source of predictable income and capital preservation. Bonds are often used to balance risk in your investment portfolio, especially when markets get volatile.
BBB-, BBB, BBB+
Moderate degree of safety, moderate credit risk
BB
Moderate risk of default
B-, B, B+
high risk of default
C
very high risk of default
D
In default or expected to be in default
adequate degree of safety, low credit risk
A-, A, A+
Credit Rating of Bonds
AAA
highest degree of safety, lowest credit risk
AA-, AA, AA+
high degree of safety, very low credit risk
Since Bonds are issued and backed by the Government, they carry the highest credit rating. This implies that are largely safe to invest in and carry minimal risk.
Get a better understanding of how credit ratings work from the following list.
Why Bonds Are Perfect for Women
Bonds fit seamlessly into busy lives because they’re simple, reliable, and require little ongoing effort.
Portfolio Balance
Bonds can counter the volatility of riskier investments, creating a more balanced and resilient portfolio.
Predictable Income
Bonds provide regular interest payments, making them a great way to generate steady cash flow.
What You Get
Safety
Government bonds and high-quality corporate bonds are considered low-risk investments.
Flexible Options
With various terms and types available, you can choose bonds that align with your financial goals and timeline.
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INDEL MONEY LIMITED
Min
₹ 1,00,300.69
Payments
Monthly
Yield
13.13%
28-May-2028
Maturity Date
VEDIKA CREDIT CAPITAL LTD
Min
₹ 99,673.29
Payments
Monthly
Yield
12.87%
20-Jun-2027
Maturity Date
VEDIKA CREDIT CAPITAL LTD
Min
₹ 1,00,078.77
Payments
Monthly
Yield
12.81%
20-Dec-2027
Maturity Date
MUTHOOTTU MINI FINANCIERS LTD
Min
₹ 98,177.07
Payments
Monthly
Yield
11.17%
12-Jun-2027
Maturity Date
KEERTANA FINSERV PRIVATE LIMITED
Min
₹ 97,593.46
Payments
Monthly
Yield
13.55%
11-Dec-2026
Maturity Date
INDEL MONEY LIMITED
Min
₹ 98,346.68
Payments
Monthly
Yield
13.34%
17-Mar-2027
Maturity Date
Bonds List
Our Partners
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What is NAV?NAV stands for Net Asset Value. It is the price of one unit of a mutual fund, updated daily.
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Is it better to invest in mutual funds or stocks directly?If you're a beginner or don’t have time to research, mutual funds are a smarter and safer option since experts manage your money.
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Who regulates mutual funds in India?Mutual funds are regulated by SEBI, ensuring transparency, safety, and investor protection.
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How do I choose the right mutual fund?Consider your goals (e.g., retirement, buying a house), risk tolerance, time horizon, and compare fund performance, expense ratio, and consistency.
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Are mutual funds safe?All investments carry some risk. But mutual funds reduce risk by diversifying—spreading your money across multiple assets. Plus, they’re regulated by SEBI (Securities and Exchange Board of India), making them relatively safe.
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What is the difference between Direct and Regular mutual fund plans?Direct Plans: No distributor commission; lower expense ratio; higher returns over the long term. Regular Plans: Include advisor/distributor commissions; suitable for investors who need guidance.
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What is an Expense Ratio and how does it impact returns?Expense Ratio is the annual fee (as a percentage) charged by the AMC for managing your investment. A high expense ratio eats into your returns, especially in debt funds where margins are thin.
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How do you evaluate a fund manager's performance?Consider metrics like: Alpha (excess return over benchmark) Beta (volatility vs market) Sharpe Ratio (return per unit of risk) Consistency of returns vs peer group Also, look at their tenure and performance across market cycles.
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What are sectoral/thematic funds and how risky are they?These funds invest in specific sectors (like pharma, tech, banking) or themes (ESG, consumption). They offer high reward potential but are extremely volatile. Ideal for tactical allocation, not core portfolios.
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How do SWPs (Systematic Withdrawal Plans) work in mutual funds?SWPs allow you to withdraw a fixed amount monthly from your investment. Useful for retirement income, with tax efficiency if done via equity funds (since capital gains are taxed, not full withdrawal).
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What is the role of AMC risk-o-meter and how should it guide investment decisions?SEBI mandates a risk-o-meter that categorizes funds from “Low” to “Very High” risk. It helps align fund selection with your personal risk appetite. Reassess this if your life stage or financial goals change.