{"id":13342,"date":"2026-05-07T10:10:56","date_gmt":"2026-05-07T10:10:56","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=13342"},"modified":"2026-05-07T11:12:13","modified_gmt":"2026-05-07T11:12:13","slug":"invits-and-reits-as-fixed-income-instruments","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/","title":{"rendered":"InvITs and REITs as Fixed Income Instruments: How They Compare to Bonds"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you\u2019re looking for a secondary source of income, bonds and fixed deposits may be some of the best options currently available to you. But what if you need more variety? Are there other investment options that could provide you with regular income?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, there are a few. InvITs and REITs are special investment vehicles that could give you what you\u2019re looking for. In this article, we\u2019ll explore what these two investment options are. We\u2019ll also compare REITs and <\/span><span style=\"font-weight: 400;\">InvITs vs. Bonds in India<\/span><span style=\"font-weight: 400;\"> to understand how they differ from one another.\u00a0\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 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#What_are_Infrastructure_Investment_Trusts_InvITs\" >What are Infrastructure Investment Trusts (InvITs)?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#What_are_Real_Estate_Investment_Trusts_REITs\" >What are Real Estate Investment Trusts (REITs)?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#Key_Characteristics_of_InvITs_and_REITs\" >Key Characteristics of InvITs and REITs\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#How_Do_REITs_and_InvITs_Work\" >How Do REITs and InvITs Work?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#What_are_Bonds\" >What are Bonds?\u00a0<\/a><\/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\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#Key_Characteristics_of_Bonds\" >Key Characteristics of Bonds\u00a0<\/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\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#How_Do_Bonds_Work\" >How Do Bonds Work?\u00a0\u00a0\u00a0\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#A_Detailed_Comparison_of_REITs_and_InvITs_vs_Bonds_in_India\" >A Detailed Comparison of REITs and InvITs vs. Bonds in India\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#REITs_and_InvITs_vs_Bonds_in_India_Which_is_the_Right_Choice_for_You\" >REITs and InvITs vs. Bonds in India: Which is the Right Choice for You?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#Build_Your_Fixed-Income_Portfolio_Today\" >Build Your Fixed-Income Portfolio Today<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#FaQs_on_REITs_and_InvITs_vs_Bonds_in_India\" >FaQs on REITs and InvITs vs. Bonds in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_Infrastructure_Investment_Trusts_InvITs\"><\/span><b>What are Infrastructure Investment Trusts (InvITs)?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An <\/span><span style=\"font-weight: 400;\">Infrastructure Investment Trust in India<\/span><span style=\"font-weight: 400;\"> (InvIT) is an investment vehicle that pools money from multiple investors. This money is then invested in infrastructure assets like roads, power transmission lines, pipelines, and energy projects. The revenue generated by the infrastructure assets that the InvIT owns and operates is then distributed to its investors.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_Real_Estate_Investment_Trusts_REITs\"><\/span><b>What are Real Estate Investment Trusts (REITs)?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A Real Estate Investment Trust (REIT) is also a pooled investment vehicle. It uses the pooled money from multiple investors to own and operate income-generating real estate assets. These include office spaces, shopping malls, and business parks. The rental income from these real estate assets, after accounting for the various expenses and taxes, is distributed to the investors.\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Characteristics_of_InvITs_and_REITs\"><\/span><b>Key Characteristics of InvITs and REITs\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It is important to know what makes REITs and InvITs distinct from other investment options. Here are five key features of these trusts.\u00a0<\/span><b><\/b><\/p>\n<h3><b>Asset-Backed<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Both REITs and InvITs are backed by income-generating infrastructure or<a href=\"https:\/\/goldenpi.com\/blog\/essentials\/top-passive-income-investments-for-nris-in-india\/\"> real estate assets<\/a>. The returns you get are tied directly to the performance of these physical assets.<\/span><\/p>\n<h3><b>Mandatory Distribution\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">InvITs and REITs are mandated by law to distribute at least 90% of their net earnings to their investors. The REIT and <\/span><span style=\"font-weight: 400;\">InvIT distributions<\/span><span style=\"font-weight: 400;\"> could help you create a secondary source of income.\u00a0\u00a0<\/span><\/p>\n<h3><b>Listed on Exchanges<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">REITs and InvITs are listed on stock exchanges like the NSE and the BSE. This gives you the flexibility to purchase and sell units of these trusts at any time.\u00a0<\/span><b><\/b><\/p>\n<h3><b>SEBI-Regulated<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Investment trusts like InvITs and REITs are registered and regulated by the <a href=\"https:\/\/goldenpi.com\/faq\/sgb\/can-sgbs-be-traded-on-the-stock-exchange\">Securities and Exchange Board of India<\/a> (SEBI). This provides investors with a meaningful layer of protection and peace of mind.\u00a0<\/span><b><\/b><\/p>\n<h3><b>Variable Distributions<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The REIT and <\/span><span style=\"font-weight: 400;\">InvIT distributions<\/span><span style=\"font-weight: 400;\"> can fluctuate from time to time. This is because of the variations in the income generated by the assets. Several factors, like occupancy rates, lease renewals, infrastructure asset utilisation rates, and economic activity, can influence the assets\u2019 income-generating ability.\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_REITs_and_InvITs_Work\"><\/span><b>How Do REITs and InvITs Work?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Assume there\u2019s an <\/span><span style=\"font-weight: 400;\">Infrastructure Investment Trust in India<\/span><span style=\"font-weight: 400;\"> that owns and operates several toll roads throughout the country. Each time a vehicle uses these roads, the InvIT generates toll revenue. About 90% of the net revenue, after accounting for all expenses and taxes, is distributed to its investors.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Say you invest \u20b910 lakh in it. In exchange, you get units of the InvIT. If the per-unit value is \u20b9100, you\u2019ll get around 10,000 units.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Assume the InvIT generates a net revenue of around \u20b930 crores in 6 months. It chooses to distribute 90% of its net revenue to its investors, which comes up to \u20b927 crores (\u20b930 crores x 90%). The <\/span><span style=\"font-weight: 400;\">InvIT distribution<\/span><span style=\"font-weight: 400;\"> rate per unit comes to around \u20b91.50. Since you own 10,000 units, you would get a payout of \u20b915,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Real Estate Investment Trusts also work in the same way. The only difference is that instead of investing in infrastructure assets, REITs invest in real estate assets.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_Bonds\"><\/span><b>What are Bonds?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A bond is a financial instrument that\u2019s issued to raise capital. It can be issued by either corporations or governments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you invest in a bond, you\u2019re essentially lending your capital to the issuing organisation for a particular period of time, known as the bond tenure. In exchange, the bond issuer pays interest at a predetermined rate. At the end of the bond tenure, the amount you invested is returned to you.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Characteristics_of_Bonds\"><\/span><b>Key Characteristics of Bonds\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before we compare InvIT and <\/span><span style=\"font-weight: 400;\">REIT vs. bonds<\/span><span style=\"font-weight: 400;\">, let us quickly look at some of the key features of this fixed-income instrument.\u00a0<\/span><b><\/b><\/p>\n<ul>\n<li><b>Fixed Payments: <\/b><span style=\"font-weight: 400;\">For most bonds, the interest rate (coupon rate) is fixed. So, when you invest in them, you know exactly how much interest you\u2019ll earn and when you will receive it.\u00a0<\/span><b><\/b><\/li>\n<li><b>Predetermined Tenure: <\/b><span style=\"font-weight: 400;\">All bonds have a maturity date that\u2019s clearly communicated to you upfront. Moreover, at the end of the bond\u2019s tenure, your initial investment amount is returned.\u00a0<\/span><b><\/b><\/li>\n<li><b>Transparent Credit Ratings:\u00a0<\/b><span style=\"font-weight: 400;\">Bonds that are issued by companies are assigned credit ratings by agencies like CRISIL, ICRA, and CARE. These ratings give you a clear and standardised way to determine the creditworthiness of the issuer before you invest.\u00a0<\/span><b><\/b><\/li>\n<li><b>Tradable on Exchanges:\u00a0<\/b><span style=\"font-weight: 400;\">Most bonds in India are listed and traded on the stock exchanges. This gives you an option to liquidate your investments before the bond matures.\u00a0<\/span><b><\/b><\/li>\n<li><b>Extensive Choice:\u00a0<\/b><span style=\"font-weight: 400;\">With bonds, the number of choices available is high. This is because they are issued by private corporations, public sector undertakings, central governments, and state governments. As a result, you have the freedom to invest in bonds that match your risk appetite and financial goals.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_Bonds_Work\"><\/span><b>How Do Bonds Work?\u00a0\u00a0\u00a0\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An information technology company needs \u20b950 crores to expand its business. It decides to issue a bond to raise the required funds. The tenure of the bond is 10 years, and the interest that the company is willing to pay is 9% per annum. The interest payments will be made twice a year (semi-annually).\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Say you invest \u20b920 lakh. In this case, you will receive interest of \u20b990,000 every six months (\u20b91,80,000 per annum) for 10 years. At the end of the tenure, the bond will mature, and the company will return the initial investment amount of \u20b920 lakh to you.\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"A_Detailed_Comparison_of_REITs_and_InvITs_vs_Bonds_in_India\"><\/span><b>A Detailed Comparison of REITs and InvITs vs. Bonds in India\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you understand how these instruments work, let\u2019s compare REITs and <\/span><span style=\"font-weight: 400;\">InvITs vs. Bonds in India<\/span><span style=\"font-weight: 400;\">. This will highlight the key differences and help you choose the one that\u2019s right for you.<\/span><\/p>\n<div class=\"table-responsive\">\n<div class=\"pcrstb-wrap\"><table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; font-size: 14px; color: #333; border: 1px solid #e0e0e0;\">\n<thead>\n<tr style=\"background-color: #f4f6f8; text-align: left; border-bottom: 2px solid #dee2e6;\">\n<th style=\"padding: 15px; border: 1px solid #e0e0e0; font-weight: bold;\">Particulars<\/th>\n<th style=\"padding: 15px; border: 1px solid #e0e0e0; font-weight: bold;\">REITs<\/th>\n<th style=\"padding: 15px; border: 1px solid #e0e0e0; font-weight: bold;\">InvITs<\/th>\n<th style=\"padding: 15px; border: 1px solid #e0e0e0; font-weight: bold;\">Bonds<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Issuer<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Investment trusts<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Investment trusts<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Central government, state governments, and corporations<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Underlying Asset<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Commercial real estate assets like office parks and shopping malls<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Infrastructure assets like roads and transmission pipelines<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Company\u2019s assets or its creditworthiness<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Nature of Returns<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Variable distributions<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Variable distributions<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Fixed coupon payments<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Income Consistency<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate, linked to occupancy rate and rental income<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate, linked to infrastructure asset performance and utilisation<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">High<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Return of Principal<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Not available<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Not available<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Available<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Return Potential<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate to high<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate to high<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Risk Level<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate to high<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate to high<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Liquidity<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Moderate to high<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Regulation<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Regulated by the SEBI<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Regulated by the SEBI<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Regulated by the RBI and the SEBI<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0; font-weight: 600; background-color: #fafafa;\">Ways to Invest<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Through stockbrokers and stock exchanges<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Through stockbrokers and stock exchanges<\/td>\n<td style=\"padding: 12px 15px; border: 1px solid #e0e0e0;\">Through RBI Direct, OBPP, or stock exchanges<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"REITs_and_InvITs_vs_Bonds_in_India_Which_is_the_Right_Choice_for_You\"><\/span><b>REITs and InvITs vs. Bonds in India: Which is the Right Choice for You?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With the InvIT and <\/span><span style=\"font-weight: 400;\">REIT vs. bonds<\/span><span style=\"font-weight: 400;\"> comparison done, let\u2019s look at which of these investment options makes the most sense for you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you prefer income predictability and return of principal, bonds are among the ideal investment options available to you. Whether you choose to invest in government securities (G-Secs), <a href=\"https:\/\/goldenpi.com\/corporate-bonds\">corporate bonds<\/a>, or non-convertible debentures (NCDs), you can expect regular interest payments at predefined intervals and return of your initial investment amount on maturity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re comfortable with a certain degree of market volatility and variability in the payouts you receive, REITs and InvITs could be an option you could consider. REITs, especially, give you exposure to India\u2019s growing commercial real estate sector. On the other hand, InvITs could be the right choice if you wish to expose your portfolio to the infrastructure sector.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, it\u2019s important to note that REITs and <\/span><span style=\"font-weight: 400;\">InvITs, as fixed-income instruments,<\/span><span style=\"font-weight: 400;\"> are not exactly free from risk entirely. A quick comparison of <\/span><span style=\"font-weight: 400;\">REIT vs. FD<\/span><span style=\"font-weight: 400;\"> or <\/span><span style=\"font-weight: 400;\">InvIT vs. NCD<\/span><span style=\"font-weight: 400;\"> will show that both investment trusts don\u2019t offer a return of principal like bonds. So, if you wish to get your principal investment amount back, you must sell your holdings on the exchanges.\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Build_Your_Fixed-Income_Portfolio_Today\"><\/span><b>Build Your Fixed-Income Portfolio Today<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding the differences between REITs and <\/span><span style=\"font-weight: 400;\">InvITs vs. bonds in India<\/span><span style=\"font-weight: 400;\"> is crucial as it helps you make the right investment decision.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re a conservative investor who values income predictability, <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">GoldenPi<\/span><\/a><span style=\"font-weight: 400;\"> offers bonds across credit ratings and <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">fixed deposits<\/span><\/a><span style=\"font-weight: 400;\"> with RBI-licensed banks. Through the platform, you can also discover and invest in <\/span><a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><span style=\"font-weight: 400;\">NCD IPOs<\/span><\/a><span style=\"font-weight: 400;\"> as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That said, if you wish to build a resilient long-term fixed-income portfolio, consider diversifying by including REITs and InvITs into the mix as well. This will help reduce concentration risk without sacrificing returns.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FaQs_on_REITs_and_InvITs_vs_Bonds_in_India\"><\/span><b>FaQs on REITs and <\/b><b>InvITs vs. Bonds in India<\/b><b><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>Are InvITs and REITs fixed-income instruments?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Not really. Real Estate Investment Trusts and <\/span><span style=\"font-weight: 400;\">Infrastructure Investment Trusts in India<\/span><span style=\"font-weight: 400;\"> are hybrid financial instruments. They are mandated by law to distribute 90% of the profits they generate to the investors. While this might lead to regular income payments, they are hardly fixed and can fluctuate from time to time.<\/span><b><\/b><\/p>\n<h3><b>How liquid are InvITs and REITs compared to bonds?\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">When you compare InvITs and <\/span><span style=\"font-weight: 400;\">REITs vs. bonds<\/span><span style=\"font-weight: 400;\">, you can see that all three investment vehicles are listed and actively traded on stock exchanges. However, liquidity varies depending on the instrument. InvITs and REITs are less liquid than <a href=\"https:\/\/goldenpi.com\/government-securities\">government bonds<\/a> but may be more liquid than certain corporate bonds.<\/span><\/p>\n<h3><b>What is the difference between REIT and <\/b><b>InvIT distributions<\/b><b> and bond coupon payments?\u00a0\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Bond coupon payments are often fixed, so you know the exact amount you will receive. However, REIT and <\/span><span style=\"font-weight: 400;\">InvIT distributions<\/span><span style=\"font-weight: 400;\"> may fluctuate depending on the cash flows generated by the underlying assets.<\/span><\/p>\n<h3><b>Are InvIT and REIT distributions taxable in India?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. REIT and <\/span><span style=\"font-weight: 400;\">InvIT distributions<\/span><span style=\"font-weight: 400;\"> are taxable under section 115UA of the <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/\">Income Tax Act, 1961<\/a>. The distributions from these investment vehicles are taxed at the income tax slab rates applicable to investors. Meanwhile, capital gains tax is applicable on the profits derived from the sale of REIT and InvIT units.<\/span><\/p>\n<h3><b>How safe are InvITs and REITs?\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">REITs and InvITs may be relatively safer compared to equities and certain corporate bonds. However, they are not completely free from risk. The payouts from these investment options depend on multiple factors like asset performance, occupancy rates, and market conditions.\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><b>Disclaimer:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"BlogPosting\",\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\/\",\n      \"mainEntityOfPage\": \"https:\/\/goldenpi.com\/blog\/fixed-income\/invits-and-reits-as-fixed-income-instruments\",\n      \"headline\": \"InvITs and REITs as Fixed Income Instruments \u2014 How They Compare to Bonds\",\n      \"description\": \"A detailed comparison of REITs and InvITs vs. Bonds in India covering their key characteristics, how they work, risk levels, liquidity, and which is the right choice for different investor profiles.\",\n      \"author\": {\n        \"@type\": \"Person\",\n        \"name\": \"Rohit Suhag\",\n        \"jobTitle\": \"Financial Content Expert\",\n        \"url\": \"https:\/\/goldenpi.com\/blog\/author\/rohit_suhag\/\",\n        \"worksFor\": {\n          \"@id\": \"https:\/\/goldenpi.com\/\"\n        }\n      },\n      \"publisher\": {\n        \"@id\": \"https:\/\/goldenpi.com\/\"\n      },\n      \"about\": [\n        {\n          \"@type\": \"FinancialProduct\",\n          \"name\": \"Real Estate Investment Trust\",\n          \"alternateName\": \"REIT\",\n          \"sameAs\": [\n            \"https:\/\/en.wikipedia.org\/wiki\/Real_estate_investment_trust\",\n            \"https:\/\/www.wikidata.org\/wiki\/Q1129361\"\n          ]\n        },\n        {\n          \"@type\": \"FinancialProduct\",\n          \"name\": \"Infrastructure Investment Trust\",\n          \"alternateName\": \"InvIT\",\n          \"sameAs\": [\n            \"https:\/\/en.wikipedia.org\/wiki\/Infrastructure_investment_trust\",\n            \"https:\/\/www.wikidata.org\/wiki\/Q65069271\"\n          ]\n        }\n      ],\n      \"mentions\": [\n        {\n          \"@type\": \"FinancialProduct\",\n          \"name\": \"Bond\",\n          \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Bond_(finance)\"\n        },\n        {\n          \"@type\": \"GovernmentOrganization\",\n          \"name\": \"Securities and Exchange Board of India\",\n          \"alternateName\": \"SEBI\",\n          \"sameAs\": [\n            \"https:\/\/www.sebi.gov.in\/\",\n            \"https:\/\/en.wikipedia.org\/wiki\/Securities_and_Exchange_Board_of_India\"\n          ]\n        },\n        {\n          \"@type\": \"GovernmentOrganization\",\n          \"name\": \"Reserve Bank of India\",\n          \"alternateName\": \"RBI\",\n          \"sameAs\": [\n            \"https:\/\/www.rbi.org.in\/\",\n            \"https:\/\/en.wikipedia.org\/wiki\/Reserve_Bank_of_India\"\n          ]\n        }\n      ]\n    },\n    {\n      \"@type\": \"Organization\",\n      \"@id\": \"https:\/\/goldenpi.com\/#organization\",\n      \"name\": \"GoldenPi\",\n      \"url\": \"https:\/\/goldenpi.com\/\",\n      \"logo\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https:\/\/d2tfvseypdp8pf.cloudfront.net\/assets\/img\/logo.svg\"\n      }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/invits-and-reits-vs-bonds\/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Are InvITs and REITs fixed-income instruments?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Not really. 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