Bonds
Government Bonds
Safe and sovereign-backed
Corporate Bonds
Trusted names, better returns
Non-Convertible Debentures (NCDs)
High returns, fixed income
Perpetual Bonds
Income without maturity
Tax-Free Bonds
Earn more, save more
Private Sector Bonds
Stable returns from top corporates
Capital Gain Bonds
Save tax smartly
Green Bonds
Invest in sustainability
Sovereign debt — the lowest credit risk available in rupees, and full exposure to rate movement.
Section 54EC bonds — deferring capital gains tax on a property sale, at a modest return.
Bonds whose interest is exempt from tax — no longer issued, but available in the secondary market.
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| Plan |
Government Bonds
|
Capital Gain Bonds
|
Tax-Free Bonds
|
Non-Convertible Debentures (NCDs)
|
|---|---|---|---|---|
| Best for | Safe and sovereign-backed | Save tax smartly | Earn more, save more | High returns, fixed income |
| Minimum from* | ₹10,000 | ₹10,000 | ₹10,000 | ₹10,000 |
| Rating | 4.5 | 4.2 | 4.4 | 4.0 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
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Because there are two separate risks. Credit risk — whether you get repaid — is effectively nil with sovereign debt. Interest rate risk is not: if rates rise, the market price of your existing bond falls. Held to maturity that is irrelevant; sold early it is the whole story.
Through the RBI Retail Direct platform, which lets individuals participate in government securities auctions and hold them without an intermediary. They can also be bought on the exchange or accessed through gilt mutual funds.
One that matches when you need the money. If you have a dated obligation in seven years, a seven-year bond removes rate risk entirely for that purpose. If you may need to sell early, shorter maturities are far less price-sensitive.
No. Interest on government securities is taxable at your slab rate. The sovereign backing relates to credit, not to tax. Compare the after-tax yield rather than the coupon.
They carry lower credit risk than a bank deposit above the insured limit, and they can be held for much longer maturities at a locked rate. A deposit is simpler and has no price risk. Which is better depends on the amount, the horizon and whether you might need to exit early.
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