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Taxation of Bonds in India_ How TDS Applies to Different Types of Bonds

Taxation of Bonds in India: How TDS Applies to Different Types of Bonds?

Both institutional and retail investors often prefer investing in bonds because of their inherent stability and low-risk nature. However, many times, people are late in understanding the taxation of bonds in India, which often leads to complexities when calculating tax-exclusive returns. In this blog, we will cover this topic and also discuss some additional points …

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High Interest Rate Bonds

High Interest Rate Bonds

Companies facing challenges in managing their working capital generally issue high interest rate bonds. Apart from meeting ongoing business requirements, sometimes, the raised amount can also be utilised by the bond issuer to repay their existing debt. Through Stable Money, you can explore various types of high interest rate bonds and also invest in them …

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What Are State Development Loans in India?

Indian investors often invest in State Development Loans (SDL) over corporate bonds or government securities. State Development Loans offer a relatively higher interest rate than other securities. This makes it attractive to Indian investors. Learn what are state development loans in detail to make an informed decision.  What Are State Development Loans? State Development Loans …

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How to Buy RBI Bonds,

How to Buy RBI Bonds

The RBI savings bonds offer a great investment opportunity for individuals who do not want to take too much risk. They feature extended maturity periods and provide investors with attractive coupon rates. However, the returns are subject to taxation as per the income tax slab rate.  In this blog, we will walk you through a …

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PSU Bonds

What Are PSU Bonds

Many of us often choose to invest in bonds to diversify our portfolio holdings. In India, investors can choose between PSU bonds, corporate bonds and government bonds to grow their corpus. While private companies issue corporate bonds, the GOI issues government bonds. However, PSU bonds differ significantly from the bonds mentioned above. Learn what are …

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What are Perpetual Bonds'

What are Perpetual Bonds

Perpetual bonds issued by public and private sector entities comprise a significant portion of the Indian bond market. With certain similarities to equity shares, these bonds offer a fixed periodic interest to the investors. To understand what are perpetual bonds elaborately and learn how to calculate the price and yield of such bonds, consider the …

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Are Bonds a Good Investment in 2025_ Pros and Cons.

Top Benefits of Investing in Bonds for Financial Security

For investors prioritising safety, consistent income and diversification, bonds have always been a reliable choice. In the current economic landscape, where interest rates are climbing, the benefits of investing in bonds are more compelling than ever. Whether you are looking to preserve capital, stabilise your portfolio or secure a dependable income source, bonds can serve …

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Loan Against Sovereign Gold Bonds (SGB)

Loan Against SGB: Things to Know Before Applying for a Loan Against Sovereign Gold Bond

To many investors, a Sovereign Gold Bond (SGB) appears to be a convenient investment avenue that helps avoid the security concerns of owning physical gold. Beyond its value as an investment, SGBs also provide financial flexibility, as many banks offer loans against them. While pledging, you can offer them in either physical or demat format …

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Yield to Maturity (YTM)

What is Yield to Maturity

Bond investing may seem confusing for beginner investors, but it is essential to spend time decoding what is YTM. It acts as a vital metric whenever calculating the potential returns of bonds. Yield to Maturity gives the estimated overall returns assuming that a bond owner will maintain their possessions until maturity. This guide will demystify …

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Short-Term vs. Long-Term Bonds'

Short-Term vs Long-Term Bonds

When it comes to bond investments, one key factor that can affect your returns is the bond maturity. Understanding the differences between short-term vs long-term bonds is essential in making the right investment choice based on your financial goals and risk appetite. Let us dive into this blog to understand how bond maturity influences risk, …

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Bond Mutual Funds vs Direct Bond Investments: Which Is Better?

Many investors often wonder whether they should invest in bond mutual funds or bonds directly, especially in times of rising interest rates. With so many factors to consider, it can be challenging to determine which option aligns best with your financial goals. Both investment options come with their own set of advantages and disadvantages. So, …

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process of buying capital gain bonds online.

How to Diversify Your Portfolio With Bonds?

A widely-used strategy among investors to manage risk is diversification. This involves spreading investments across different assets, sectors, industries and regions to reduce exposure to any single risk. Bonds play a key role in a diversified portfolio, offering consistent returns while helping to balance the higher risks associated with assets like stocks. In this guide, …

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Top Bond Investment Mistakes to Avoid for Smart Returns.

Top Bond Investment Mistakes to Avoid for Smart Returns

Bond investment helps investors earn higher income compared to other debt instruments. However, certain bond pitfalls make investors susceptible to high risks, leading to financial losses. It is integral to avoid such losses to meet the financial goals. Ensure you avoid the following mistakes while investing in bonds to minimise risks and maximise income.  10 …

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process of buying capital gain bonds online.

How to Buy Capital Gain Bonds Online?

Capital gain bonds or 54EC bonds are specialised investment instruments offered by some selected institutions in India. Investors can avail a tax-saving opportunity by investing their money in these bonds after realising long-term capital gains from the transfer of capital assets like land, buildings or both. In this guide, let us find out how to …

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comparing Coupon Rate and Yield to Maturity

Coupon Rate vs Yield to Maturity (YTM): Understand the Differences

If you are among those investors who prefer to minimise risk, then you have probably already considered investing in debt mutual funds or bonds. Although bonds still share some risks, they are comparatively a lot safer when compared to equity-linked securities. Besides, their potential returns can beat other forms of traditional financial instruments like term …

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HDFC Corporate Bond Fund

HDFC Corporate Bond Fund

Launched and managed by the HDFC Asset Management Company, the HDFC Corporate Bond Fund is a debt mutual fund option. If you are someone who is aiming to make a short-term or medium-term profit by investing in securities with a lock-in period of up to 3 years, then you can consider exploring the HDFC Bond …

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Debt ETFs (Exchange-Traded Funds) in India.

Understanding Debt ETFs in India

Investing in debt ETFs in India is hassle-free if you have a demat account. However, if you do not have a demat account, you can consider opening one to start your debt ETF investments in India. You can invest in a diversified bond portfolio with debt ETF investments. Learn about debt ETF investment in detail …

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process of withdrawing a fixed deposit from a bank.

How to Withdraw a Fixed Deposit: Process and Alternatives

In financial emergencies, banks allow depositors to opt for a fixed deposit withdrawal before maturity. However, depositors can consider alternatives to premature liquidation to avoid paying penalties. Learn about the process of penalty imposition on premature fixed deposit withdrawal, as well as its disadvantages and alternatives to avoid penalty payments. Use the knowledge to plan …

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AAA-Rated Government Bonds in India

AAA-rated government bonds in India stand out as a secure investment choice, offering both safety and steady returns. These bonds carry a low risk of default, making them a trusted option for conservative investors. With their strong credit ratings, they provide a reliable income stream while protecting your capital. To learn more about these bonds, …

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How to Buy Sovereign Gold Bonds (SGBs) in India: A Step-by-Step Guide

Wondering how to buy Sovereign Gold Bonds in India? These government-backed bonds offer a secure and cost-effective way to invest in gold without the hassle of storing physical gold. By purchasing SGBs, you not only benefit from the rising value of gold but also earn annual interest, making it a smart choice for wealth creation. …

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What Are Company Bonds: A Beginner’s Guide to Corporate Bonds

Investors prefer bonds as these instruments ensure steady returns on their capital while reducing market-linked losses. You can perceive the benefits of these investments more clearly as you approach your financial goals, particularly when stock market fluctuations threaten to undermine your gains.  Corporate bonds serve as debt obligations and are generally issued by businesses that …

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What Are Treasury Bills? Understanding India’s Short-Term Investment Option

When the Indian government requires financial support to meet various obligations, it seeks funding from the general public. Treasury bills are one of the dependable debt instruments used for this purpose. It is a promissory note that assures repayment in the future. To learn more about what a treasury bill is and other crucial details, …

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What Are Government Securities in India

To foster new developments, the Reserve Bank of India (RBI) has collaborated with the National Stock Exchange of India (NSE) to enable retail investors to invest in government securities. As a result, now you may directly manage your investments made towards treasury bills (T-bills) and long-dated bonds. Earlier, only banks and large financial institutions could …

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Bond Markets

Tax-Free vs. Tax-Saving Bonds: Which Is Better for You?

A lot of people mix up the terms ‘tax-free bonds’ and ‘tax-savings bonds’. However, in reality, both are different instruments. The main difference forms on how the tax treatment is implemented on each one of them.  Generally, the government allows tax incentives to bond investors to foster long-term infrastructural developments. Thus, you can witness complete …

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Bond Funds

Best Tax-free Bonds in India

If you want to reduce your tax liability while having a high tax bracket, you can invest in some of the best tax-free bonds in India. These bonds help you earn tax-free interest as regular income semi-annually or annually. Learn about these bonds in detail here to make an informed purchase decision.  Top Tax-free Bonds …

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