List of INFOMERICS RATED Bonds in India 2026

Investors often rely on independent credit ratings to understand how safe a bond investment may be before committing funds. In the Indian debt market, Infomerics-rated bonds are debt instruments assessed by Infomerics Valuation and Rating Pvt. Ltd., a SEBI-registered and RBI-accredited credit rating agency. These ratings range from IVR AAA, representing the highest level of safety, to IVR D, indicating default. This structured scale allows investors to evaluate repayment strength, compare issuers across sectors, and make informed investment decisions aligned with their personal risk and return goals.

What are INFOMERICS RATED Bonds?

In the Indian bond market, credit ratings help investors understand the safety of debt investments before putting money into them. In this context, INFOMERICS-rated bonds are debt instruments such as corporate bonds, Non-Convertible Debentures (NCDs), or bank bonds that receive a credit rating from Infomerics Valuation and Rating Private Limited. This SEBI-registered rating agency evaluates the issuer’s financial strength and repayment ability. Ratings range from IVR AAA, indicating the highest safety, to IVR D, indicating default risk.

Key Features & Benefits of INFOMERICS RATED Bonds

Infomerics-rated bonds help investors evaluate credit risk in a structured manner by using standardised rating symbols, making it easier to compare safety levels and expected returns across issuers.

Independent Credit Assessment 

Infomerics-rated bonds carry an objective professional opinion on the issuer’s repayment capacity after evaluating financial statements, cash flows, debt obligations, and management quality, helping investors judge whether the capital invested has reasonable safety.

Standardised Rating Scale (IVR AAA to IVR D) 

The clear letter-based grading system categorises bonds into investment grade and speculative grade, allowing investors to align their portfolio strategy with specific risk-return expectations in a transparent manner.

Ongoing Surveillance and Monitoring 

Ratings are not permanent. Infomerics periodically reviews issuer performance and may upgrade, downgrade, or reaffirm ratings based on financial stability, ensuring investors receive updated credit risk information during the bond’s tenure.

Wide Coverage Across Instruments 

Infomerics-rated bonds include corporate NCDs, bank Tier I and Tier II bonds, perpetual debt, public finance instruments, and structured obligations, offering diversification opportunities across multiple debt categories.

List of INFOMERICS RATED Bonds in India

Who Should Invest in INFOMERICS RATED Bonds?

Infomerics-rated bonds are suitable for different categories of investors depending on the assigned credit rating and individual risk-return expectations.

• Conservative Investors – Individuals who prioritise capital protection can consider IVR AAA or IVR AA-rated Infomerics-rated bonds for relatively higher safety and predictable income.
• Moderate Risk Investors – Salaried professionals or long-term planners may select IVR A or IVR BBB-rated bonds for better coupon rates while staying within investment-grade categories.
• Aggressive Investors – Investors comfortable with higher credit exposure can consider IVR BB or below-rated bonds to target higher yields in exchange for increased default risk.
• Portfolio Diversifiers – Equity-heavy investors can include Infomerics-rated bonds to add stable fixed-income exposure and reduce overall portfolio volatility.

Risks Involved in INFOMERICS RATED Bonds

Although Infomerics-rated bonds provide structured credit assessment, investors must evaluate multiple financial and market risks before investing in these fixed-income instruments.

Credit & Default Risk 

The primary risk in Infomerics-rated bonds is the possibility that the issuer may fail to pay interest or repay principal on time. Lower-rated bonds, such as IVR BB or below, carry significantly higher default probability compared to IVR AAA bonds.

Rating Downgrade Risk 

Credit ratings are subject to periodic review. If the issuer’s financial health weakens, Infomerics may downgrade the bond, which can immediately reduce its market value and increase perceived investment risk.

Interest Rate Risk 

Bond prices move inversely to market interest rates. If RBI policy rates increase, newly issued bonds may offer higher yields, causing existing Infomerics-rated bonds to trade at lower prices in the secondary market.

Liquidity Risk 

Many corporate bonds are not actively traded. Investors may face difficulty selling the bond before maturity, and limited buyers can result in selling at a discount to the fair market value.

Inflation & Reinvestment Risk 

If inflation rises above the coupon rate, the real return declines. Additionally, if rates fall, reinvesting periodic interest income at comparable yields may not be possible.

How Do INFOMERICS RATED Bonds Work?

• Issuer Applies for Rating – Before issuing bonds, a company, NBFC, or financial institution approaches Infomerics Valuation and Rating Pvt. Ltd. to obtain a formal credit rating.
• Detailed Credit Evaluation – Infomerics analyses financial statements, cash flows, debt levels, repayment history, industry position, and management quality before assigning a rating from IVR AAA to IVR D.
• Rating Influences Coupon Rate – Higher-rated bonds (IVR AAA or IVR AA) typically offer lower interest rates, while lower-rated bonds (IVR BBB or IVR BB) provide higher coupon rates to compensate for additional risk.
• Primary Market Issuance – Once rated, the bond is issued through a public issue or private placement, and the assigned rating is disclosed in the offer document.
• Periodic Interest Payments – Investors receive fixed or floating interest payments monthly, quarterly, half-yearly, or annually as per the bond terms.
• Secondary Market Trading – Listed Infomerics-rated bonds can be bought or sold on exchanges such as NSE or BSE before maturity, subject to liquidity.
• Ongoing Surveillance – Infomerics continuously monitors the issuer and may upgrade, downgrade, or reaffirm the rating during the bond’s tenure.
• Repayment at Maturity – On the maturity date, the issuer repays the face value along with the final interest instalment, provided no default occurs.

Tax Applicability on INFOMERICS RATED bonds

Taxation on Infomerics-rated bonds follows the regular rules applicable to fixed-income securities in India, covering both interest earnings and capital gains.

• Interest Income Taxation – The interest that comes from bonds rated by Infomerics falls under the category "Income from Other Sources" and you pay tax on it based on your bracket (which could be 5%, 20%, or 30%, along with applicable cess). 
• TDS Applicability – A 10% tax deduction might happen automatically when your yearly interest from one issuer crosses ₹10,000. If your PAN information isn't on record, this deduction percentage could jump to 20%. 
• Short-Term Capital Gains (STCG) – If you sell listed bonds before holding them for 12 months, whatever gain you make gets taxed at whatever your applicable income tax slab rate is. 
• Long-Term Capital Gains (LTCG) – When you hold listed bonds for more than a year, the tax on your profit is 12.5% flat, and indexation benefits don't apply here. 
• Unlisted Bonds Treatment – If you're dealing with Infomerics-rated bonds that aren't listed anywhere, the capital gains from selling them typically get taxed at your regular slab rates, and it doesn't matter how long you kept them.

Who Should Invest in INFOMERICS RATED Bonds?

Different investor profiles may consider Infomerics-rated bonds depending on credit rating level, income expectations, and individual risk tolerance within the Indian bond market.

• Safety-Focused Investors – Investors who prioritise protecting their capital may prefer IVR AAA or IVR AA-rated bonds, as these categories generally offer stable returns with relatively lower credit risk.
• Income-Oriented Professionals – Salaried individuals planning medium-term financial goals may consider IVR A or IVR BBB-rated bonds to generate better coupon income compared with traditional savings options.
• High-Yield Seekers – Experienced investors who are comfortable with higher credit risk may explore IVR BB category bonds that aim to provide high yields.
• Diversification-Oriented Investors – Investors holding equity-heavy portfolios may include Infomerics-rated bonds to introduce fixed-income stability and help reduce overall portfolio volatility.

How to Buy INFOMERICS RATED Bonds?

• Open a Demat Account – To invest in Infomerics-rated bonds, investors must maintain an active Demat account with a SEBI-registered broker.
• Complete KYC Formalities – Ensure PAN, Aadhaar, and bank details are verified so that subscriptions and interest payments are processed smoothly.
• Use Online Bond Platform Providers (OBPPs) – Purchase through SEBI-registered online bond platforms that allow investors to filter bonds by IVR rating categories.
• Buy via Stock Broker – If the bond is listed on NSE or BSE, it can be purchased through a regular trading account in a manner similar to buying shares.
• Apply in Primary Issues (NCD IPOs) – Investors may apply during new bond issues using the ASBA facility available through banks or broker platforms.
• Review Key Details Carefully – Check credit rating, coupon rate, Yield to Maturity (YTM), tenure, security structure, and liquidity before making an investment.
• Make Payment & Receive Allotment – Complete payment using UPI or net banking; the bonds are usually credited to your Demat account within T+1 or T+2 working days.

Disclaimer

The information provided above is for informational purposes only and is based on publicly available data as of 26 February 2026. Credit ratings, coupon rates, taxation rules, and regulatory guidelines may change depending on market conditions and policy updates. This content does not constitute financial or investment advice. Investors should independently verify official rating documents and consult a qualified financial advisor before making investment decisions.