{"id":10914,"date":"2025-12-05T11:37:33","date_gmt":"2025-12-05T11:37:33","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10914"},"modified":"2026-02-24T09:41:52","modified_gmt":"2026-02-24T09:41:52","slug":"bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/","title":{"rendered":"Bonds offer up to 14% &#8211; So why only 4 out of 100 Indians are investing?"},"content":{"rendered":"<p><a href=\"https:\/\/www.moneycontrol.com\/technology\/after-the-equity-rush-by-retail-investors-fintechs-see-bonds-taking-off-article-12724439.html\"><span style=\"font-weight: 400;\">According to an estimate<\/span><\/a><span style=\"font-weight: 400;\">, only 4% of retail investors are investing in bonds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even after generating high returns among the fixed income asset classes, bond investors are comparatively less. What do you think is the reason behind it? Well no need to think because in this article, we are going to discuss 5 major reasons on why less Indians are investing in bonds.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#1_Perception_that_bonds_need_%E2%80%9CHigh_Investment%E2%80%9D\" >1. Perception that bonds need \u201cHigh Investment\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#2_Low_awareness_compared_to_FD_or_SIP\" >2. Low awareness compared to FD or SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#3_Confusion_around_risk_and_ratings\" >3. Confusion around risk and ratings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#4_Complexity_of_Bond_Terminology\" >4. Complexity of Bond Terminology<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#5_Equity_Culture_Social_Influence\" >5. Equity Culture &amp; Social Influence<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#Final_thought\" >Final thought<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#Frequently_asked_questions_on_bond_investment\" >Frequently asked questions on bond investment<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#1_Are_bonds_only_for_wealthy_investors\" >1. Are bonds only for wealthy investors?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#2_Isnt_the_bond_market_too_complicated_for_beginners\" >2. Isn\u2019t the bond market too complicated for beginners?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#3_Are_bonds_safe_or_can_I_lose_money\" >3. Are bonds safe, or can I lose money?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#4_Will_I_get_regular_income_from_bonds\" >4. Will I get regular income from bonds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/#5_Do_I_need_to_monitor_bonds_daily_like_stocks\" >5. Do I need to monitor bonds daily like stocks?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Perception_that_bonds_need_%E2%80%9CHigh_Investment%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">1. Perception that bonds need \u201cHigh Investment\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There is a perception around bond investors that bonds require high investment. That\u2019s why investors still assume bonds are for HNIs or corporates. But it is not so true, because one can start investing in bonds for as low as \u20b91000.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Low_awareness_compared_to_FD_or_SIP\"><\/span><span style=\"font-weight: 400;\">2. Low awareness compared to FD or SIP<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">People from generation X (generation before millennials) are more likely to go with FD. And generation after that, i mean millennials and gen Z are much interested in stocks and SIPs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We can say:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">India is an FD-first and mutual fund &#8211; second market.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonds sit in the blind spot &#8211; rarely advertised, rarely explained, rarely recommended.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Confusion_around_risk_and_ratings\"><\/span><span style=\"font-weight: 400;\">3. Confusion around risk and ratings<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Investors, especially retail investors are concerned about the risk involved in bonds. They struggle to differentiate between bond credit ratings like AAA, AA, BB, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re one of them who is confused about different ratings in bonds. Then <\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-credit-rating\/\"><span style=\"font-weight: 400;\">click here to read this blog<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Complexity_of_Bond_Terminology\"><\/span><span style=\"font-weight: 400;\">4. Complexity of Bond Terminology<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Investors usually find it hard to understand the below terminologies:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">YTM<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coupon<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accrued interest<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement cycle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit rating outlook<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Let\u2019s help you understand these terms in a simple way possible:<\/span><\/p>\n<p><b>Yield to Maturity<\/b> <b>(YTM)<\/b><span style=\"font-weight: 400;\"> is the total expected return if you hold a bond until it matures. It includes interest payments and price gain or loss over time.<\/span><\/p>\n<p><b>Coupon<\/b><span style=\"font-weight: 400;\"> is the fixed interest a bond pays each year. It is calculated on the face value and paid annually or semi-annually to investors.<\/span><\/p>\n<p><b>Accrued interest<\/b><span style=\"font-weight: 400;\"> is the interest earned on a bond from the last coupon date until the settlement date. Buyers pay this amount to sellers.<\/span><\/p>\n<p><b>Settlement cycle<\/b><span style=\"font-weight: 400;\"> is the time between buying a bond and officially receiving it in your account. In India, most bonds settle on T+1 or T+2.<\/span><\/p>\n<p><b>Credit rating outlook<\/b><span style=\"font-weight: 400;\"> indicates whether a company\u2019s credit rating may improve, worsen, or stay stable in the future. It guides investors on the issuer\u2019s financial direction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have doubts regarding any of them, you can comment down below. We will help you understand.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Equity_Culture_Social_Influence\"><\/span><span style=\"font-weight: 400;\">5. Equity Culture &amp; Social Influence<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Over the last 5 years, India has seen:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Massive equity inflows<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">11+ crore demat accounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High enthusiasm for SIPs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Influencers talking about index funds &amp; stocks<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Because of this bonds remain under-discussed among the retail investors in India. When everyone around you talks only about SIPs, the default mindset think \u201cthose are the only options available\u201d.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_thought\"><\/span><span style=\"font-weight: 400;\">Final thought<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although, only 4% of Indians are investing in bonds. But the bond marketplaces expect retail participation to grow from 4 percent now to around 10 to 12 percent within the next few years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The terms explained above help investors understand returns, risks and the overall behaviour of a bond. Knowing them removes confusion and builds confidence, especially for new investors who often avoid bonds simply due to lack of clarity.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions_on_bond_investment\"><\/span><span style=\"font-weight: 400;\">Frequently asked questions on bond investment<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Are_bonds_only_for_wealthy_investors\"><\/span><span style=\"font-weight: 400;\">1. Are bonds only for wealthy investors?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Not at all. That\u2019s a very old misconception. Today, you can start investing in bonds with as little as \u20b91,000. Platforms, regulations and market access have evolved. What was once a \u2018rich-only\u2019 asset class is now fully open to retail investors just like mutual funds.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Isnt_the_bond_market_too_complicated_for_beginners\"><\/span><span style=\"font-weight: 400;\">2. Isn\u2019t the bond market too complicated for beginners?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It looks complicated only from the outside. Once you understand three basic things &#8211; YTM, coupon and maturity &#8211; the entire market starts making sense. The truth is, bonds are actually simpler than equity investing because returns and risks are more predictable.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Are_bonds_safe_or_can_I_lose_money\"><\/span><span style=\"font-weight: 400;\">3. Are bonds safe, or can I lose money?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bonds are generally more stable than equities, but yes, there are risks. However, most retail-friendly bonds come with clear credit ratings, fixed payouts and transparent terms. When you choose well-rated issuers, the risk of default reduces sharply. Safety depends on selection, not luck.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Will_I_get_regular_income_from_bonds\"><\/span><span style=\"font-weight: 400;\">4. Will I get regular income from bonds?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. That\u2019s one of the biggest reasons people buy them. Coupons (interest payouts) are typically paid monthly, quarterly, semi-annually or annually. Think of it like getting a predictable side income without worrying about daily market swings.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Do_I_need_to_monitor_bonds_daily_like_stocks\"><\/span><span style=\"font-weight: 400;\">5. Do I need to monitor bonds daily like stocks?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Definitely not. Bonds don\u2019t demand constant attention. Once you invest, your focus is mostly on holding till maturity and receiving interest. No charts, no volatility anxiety, no daily news tracking.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>According to an estimate, only 4% of retail investors are investing in bonds.\u00a0 Even after generating high returns among the fixed income&hellip;<\/p>\n","protected":false},"author":11,"featured_media":11936,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[22],"tags":[18,406],"class_list":["post-10914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-essentials","tag-bonds","tag-investing-in-bonds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bonds offer up to 14% - So why only 4 out of 100 Indians are investing? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"Bonds offer up to 14% - So why only 4 out of 100 Indians are investing?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bonds-offer-up-to-14-so-why-only-4-out-of-100-indians-are-investing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bonds offer up to 14% - So why only 4 out of 100 Indians are investing? 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