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A bond is a fixed-income instrument where you lend money to a government or corporation for a defined period in exchange for regular interest payments (called coupons) and the return of your principal at maturity. Unlike equity, a bond's income is contractually defined — you know exactly how much you will earn and when. In India, the fixed-income universe spans Government Securities (G-Secs), State Development Loans (SDLs), corporate bonds, tax-free PSU bonds, and Sovereign Gold Bonds (SGBs). Motilal Oswal operates a dedicated bond investment platform (bonds.motilaloswal.com) where over 1,000 bonds across issuers, ratings, and maturities are available for retail investors — with secondary market liquidity on NSE and BSE.
Bonds serve different purposes — regular income for retirees, capital safety for conservative investors, tax saving for HNIs in the 30% bracket, or portfolio diversification for equity-heavy portfolios. We identify which type fits your situation.
Choose from G-Secs (sovereign guarantee), SDLs (state government backed), AAA/AA+ corporate bonds, or Tax-Free bonds. Check YTM (Yield to Maturity), coupon rate, credit rating, and maturity before deciding.
Bonds are available on bonds.motilaloswal.com — MOSL's dedicated fixed-income platform. Browse 1,000+ bonds, filter by yield, rating, and tenure, and invest directly. Settlement is T+1 or T+2.
Interest is credited to your bank account at the coupon frequency — semi-annually for most G-Secs and quarterly or annually for corporate bonds. SGBs pay 2.5% p.a. semi-annually in addition to gold price appreciation.
Hold your bond till maturity to receive the face value back with certainty. Or sell in the secondary market on NSE/BSE if you need liquidity before the bond matures. SGBs held to maturity (8 years) are fully tax-exempt on capital gains.
Most investors we meet in Kolkata hold the majority of their savings in bank FDs — safe, but rarely beating inflation after tax. Bonds offer a meaningful upgrade: similar or better yields, issued by the same category of borrowers (government and AAA corporates), but with secondary market liquidity and, in many cases, tax advantages that FDs simply cannot offer. Through Motilal Oswal's dedicated bonds platform, Indexis clients get access to over 1,000 bonds across issuers, credit ratings, and tenures — from short-term 1-year corporate paper to 30-year Government Securities. Our advisors help you build a bond ladder: spreading maturities across 1, 3, 5, and 7 years so you always have a bond maturing when you need funds, without breaking the portfolio.
Open Free Account NowAvailable via Motilal Oswal's dedicated bonds platform — bonds.motilaloswal.com | 1,000+ bonds across issuers & tenures | NSE & BSE listed