Question 1

What is BondDekho?

Accepted Answer

BondDekho is a bond aggregator that helps you compare bonds across 9+ platforms including GoldenPi, WintWealth, IndiaBonds, Jiraaf, GripInvest, and more. Compare yields and explore investment options by comparing prices, YTM, and credit ratings in one place.

Question 2

How do I compare bonds on BondDekho?

Accepted Answer

Visit our Compare page where you can filter bonds by yield (YTM), credit rating (AAA, AA+, AA, etc.), maturity period, minimum investment amount, and platform. View side-by-side comparisons across all major bond platforms.

Question 3

Is BondDekho free to use?

Accepted Answer

Yes, BondDekho is completely free to use. You can compare bonds, view yields, and access all comparison features without any cost. Create a free account to unlock additional features like personalized watchlists, price alerts, and the AI bond assistant.

Question 4

What is YTM (Yield to Maturity) and why is it important?

Accepted Answer

YTM (Yield to Maturity) is the total return you can expect if you hold a bond until it matures. It accounts for the bond's current price, face value, coupon payments, and time to maturity. YTM is the most important metric for comparing bonds as it gives you the true annual return on your investment.

Question 5

What do bond credit ratings mean?

Accepted Answer

Bond credit ratings indicate the issuer's creditworthiness and default risk. AAA is the highest rating with lowest risk, followed by AA+, AA, AA-, A+, A, and so on. Higher-rated bonds (AAA, AA) are safer but offer lower yields, while lower-rated bonds (A, BBB) offer higher yields with more risk. Ratings are assigned by agencies like CRISIL, ICRA, CARE, and India Ratings.

Question 6

Which bond platforms does BondDekho compare?

Accepted Answer

BondDekho compares bonds across 9+ major platforms: GoldenPi, WintWealth, IndiaBonds, Jiraaf, GripInvest, Aspero, BondsKart, TheFixedIncome, and StableMoney. We aggregate bond listings from all these platforms so you can compare prices for any bond.

Question 7

What is the minimum investment for bonds in India?

Accepted Answer

Minimum investment varies by bond and platform. Most bonds have face values of Rs. 1,000 to Rs. 10,000, with minimum investments typically starting from Rs. 10,000. Some platforms offer bonds with lower minimums of Rs. 1,000. Use BondDekho's filters to find bonds matching your investment budget.

Question 8

How are bonds taxed in India?

Accepted Answer

Bond taxation in India: Interest income is taxed at your income tax slab rate. For listed bonds held over 12 months, capital gains are taxed at 12.5% (LTCG). For unlisted bonds, gains are taxed at your slab rate regardless of holding period. Use BondDekho's tax calculator to estimate your post-tax returns.

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