Invest in ongoing NCD IPOs & earn up to 10.5% p.a.
Min. Investment ₹10,000
View more
Invest in ongoing NCD IPOs & earn up to 10.5% p.a.
Min. Investment ₹10,000
View more
Invest in ongoing NCD IPOs & earn up to 10.5% p.a.
Min. Investment ₹10,000
View more
Invest in ongoing NCD IPOs & earn up to 10.5% p.a.
Min. Investment ₹10,000
View more
Invest in ongoing NCD IPOs & earn up to 10.5% p.a.
Min. Investment ₹10,000
View more
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I am an investor balancing risk and return.
I am comfortable taking some risk for moderately higher returns. I can tolerate short-term fluctuations but want to avoid major losses. My aim is a blend of safety and yield, with a medium to long-term outlook (3–5 years).
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AA/A Rated Corporate Bonds, Tax-free Bonds
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Frequently Asked Questions
Browse Topic
About GoldenPi
Bonds and NCDs
Bond IPO via UPI 2.0
Bond Terminologies
KYC Process
Investment Process and Accounts
Bond Pricing
Interest Payments and Returns
Taxation on Returns
Invest as an NRI
Invest as a Corporate, NGO, HUFs
Investment Process
Bonds Offline Flow
Pre Book Flow
About Sovereign Bonds
Fixed Deposit
Sovereign Gold Bonds
Capital Gain 54EC Bonds
Referral Program
Collection Details
Interest Payments and Returns
1. Once a Bond matures, how do I get my money back?
2. Where will I receive my interest payment?
3. Will I get any notification when my account gets credited with interest payouts bonds?
4. Can the issuer skip interest payment of Tier I & II bonds?
5. Can there be a delay in getting interest payouts on bond investment?
6. What happens when the bank does not exercise the call date?
Browse FAQ by topic
About GoldenPi
- 1. What is GoldenPi?
- 2. Why should I invest in Bonds and Debentures?
- 3. How do I start investing in fixed income securities on GoldenPi?
- 4. What is GoldenPi's role in Bond Investment?
- 5. What is GoldenPi's relationship with Zerodha?
- 6. What are the unique features of GoldenPi? Why should I consider buying Bonds from GoldenPi?
- 7. How safe is my data with GoldenPi?
- 8. How safe is my investment through GoldenPi?
- 9. What happens to my investment if GoldenPi shuts down?
- 10. How much does GoldenPi charge for its services?
- 11. Are all the data on the GoldenPi platform authentic and accurate?
Bonds and NCDs
- 1. Why should I invest in the Fixed Income Market (Bonds and Debentures)?
- 2. What are Corporate bonds and debentures?
- 3. What are the different types of Bonds?
- 4. What are NCDs? Explain the difference between Bonds and NCDs.
- 5. Can there be any risk in Bond Investment?
- 6. Why should I invest in Bonds?
- 7. Is there a lock-in period for Bond? Can I withdraw my money invested in bonds anytime before maturity?
- 8. How can I sell bonds before the maturity date?
- 9. Comparison with Fixed income instruments - Bonds vs. PPF vs. FDs vs. ETF.
- 10. Why should I choose bonds over fixed deposits?
- 11. How do Bonds give higher returns than FDs? Is there any risk involved?
- 12. What are the differences between Bonds and Debt Mutual Fund?
Bond IPO via UPI 2.0
- 1. How to find DP ID and Client ID?
- 2. How to find UPI handles?
- 3. How to create a UPI handle if I don’t have one?
- 4. How to accept UPI payment mandate?
- 5. If my application gets rejected, when will my fund be released?
- 6. Why was my application rejected?
- 7. How do I know my allotment status?
- 8. Why are Bond units not allotted to me?
- 9. Why can’t I invest more than Rs 5 Lakhs using UPI 2.0?
- 10. How can I apply on behalf of a minor?
- 11. Can I change my mobile number or email after they are verified on GoldenPi?
- 12. How do I contact GoldenPi?
- 13. What happens when I cancel my IPO application?
- 14. Which UPI Apps are currently supported for IPO Application?
- 15. When will I get the money back if I cancel?
Bond Terminologies
- 1. What are the Primary Market and Secondary Market?
- 2. How 'Face value' is different from 'Investment Amount'?
- 3. What are the differences between Coupon and Yield?
- 4. What is the Discounted Price and the Premium Price?
- 5. Explain the differences between Senior Bonds and Subordinates Bonds.
- 6. Explain differences between Secured Bonds and Unsecured Bonds.
- 7. Explain Debt types- Tier I & Tier II.
KYC Process
- 1. What is the importance of the KYC process?
- 2. What are the documents required to invest in bonds & debentures? Explain the KYC process?
- 3. How long will it take to open my account with GoldenPi?
- 4. What is CMR? Where can I get it from?
- 5. If I don't have a CMR, can I use the Demat holding statement as a Demat proof?
- 6. If I don't have a canceled cheque, can I use a bank statement as a bank proof?
- 7. I have an account with Zerodha. Is it sufficient, or I need to create a new account with GoldenPi?
- 8. I have completed KYC with Zerodha. Is it sufficient, or Do I need to complete KYC with GoldenPi?
- 9. I don't have a Demat account. How do I invest?
- 10. If there is a discrepancy in the customer's name across documents, how can it be resolved and how KYC can be done?
- 11. What is CMR or CML ? Where can I get it from?
- 12. What all Documents are required for Address Proof for Indian Resident Individual?
- 13. Why the POA document is getting rejected?
- 14. I am not willing to share the Adhaar Details. Do you store the Adhaar Details provided?
- 15. In my Bank statements or Cancelled Cheque complete account no & IFSC is misssing. What shall i do?
- 16. Can we invest from a joint account? What if the other person is the primary account holder and i am the secondary?
- 17. Does this bank account will be used for the credit of interest for bond investments? If not then which account will be used for crediting of interest?
- 18. The interest amount be credited to which bank account for CFD investments?
- 19. There is a slight mismatch in the bank account name wrt POI/POA, what to do?
- 20. As an individual, can I add/invest from my firm's bank account?
- 21. Can I add 2 bank accounts for investment purposes?
- 22. What are the documents required as a Bank Proof?
- 23. What is a Demat?
- 24. Why do you need a Demat account for the investment?
- 25. I dont Have a Demat Account? How do i get one?
- 26. Where i can get my Demat Details? And what all shall i look on it?
- 27. Can we invest from a jointly opened Demat account? What if the other person is the primary ac holder and i am a secondary holder?
- 28. How to identity Demat Account for CDSL and NSDL?
- 29. Can i change my PAN once confirmed?
- 30. Why I am not allowed to change my PAN?
- 31. What all should be there in PAN that I am uploading?
- 32. Can i provide KYC documents of other applicant than the PAN applicant?
- 33. What is PAN?
- 34. What details to be filled after i have uploaded the PAN?
- 35. What is Digilocker?
- 36. What all KYC documents are fetched from Digilocker?
- 37. What is the process of fetching KYC document from Digilocker?
- 38. What if my Aadhaar is not linked with mobile? If not then can i use other methods to complete my KYC?
- 39. What are the documents required to proceed KYC through manual process?
- 40. How do I check that all documents that I have provided are correct?
- 41. What is Start Over?
- 42. What are highly rated bonds?
- 43. Who issues highly rated bonds?
- 44. What is the credit rating of highly rated bonds?
- 45. What is the difference between highly rated bonds and high yield bonds?
- 46. What are the benefits of investing in highly rated bonds?
- 47. Are highly rated bonds a good investment option?
- 48. How do I invest in highly rated bonds?
- 49. What is the minimum investment required to invest in highly rated bonds?
- 50. Can I redeem highly rated bonds before maturity?
- 51. Are highly rated bonds taxable?
- 52. What are the benefits of GoldenPi's high-yield bonds?
- 53. Are there risks associated with investing in high-yield bonds?
- 54. Are high-yield bonds a good investment?
- 55. What is the maximum maturity period of high-yield bonds?
- 56. What is the average percentage of interest I would get after investing in high-yield bonds?
- 57. What is the minimum investment required to invest in Public Sector Bank Bonds?
- 58. Are Public Sector Bank Bonds safe?
- 59. What is the credit rating of Public Sector Bank Bonds?
- 60. How are the returns on Public Sector Bank Bonds calculated?
- 61. Can Public Sector Bank Bonds be sold in the secondary market?
- 62. What is the maturity period of Public Sector Bank Bonds?
- 63. How can I invest in Public Sector Bank Bonds?
Investment Process and Accounts
- 1. What is the process for investment through GoldenPi?
- 2. Do I have to transfer money to GoldenPi to invest?
- 3. What is the minimum investment amount?
- 4. Should I purchase only through the Demat account provided by Zerodha?
- 5. What is the role of ICCL and NSCCL?
- 6. How do I transfer the amount to ICCL/NSCCL?
- 7. What are account details for ICCL/NSCCL where I can transfer the amount?
- 8. How much time does it take for a transaction to complete?
- 9. How long will it take for the units to reflect in my account?
- 10. Should customers do due diligence before investing in bonds?
Bond Pricing
- 1. What is the relationship between bond yield and bond price?
- 2. Why does the Yield of a Bond fluctuate?
- 3. What is the difference between YTC, YTM, and Coupon?
- 4. What is the settlement amount or consideration amount for a bond?
- 5. What is accrued interest? Does the settlement amount include accrued interest in it?
- 6. Why is there a price discrepancy between NSE/ BSE and GoldenPi?
Interest Payments and Returns
- 1. Once a Bond matures, how do I get my money back?
- 2. Where will I receive my interest payment?
- 3. Will I get any notification when my account gets credited with interest payouts bonds?
- 4. Can the issuer skip interest payment of Tier I & II bonds?
- 5. Can there be a delay in getting interest payouts on bond investment?
- 6. What happens when the bank does not exercise the call date?
- 7. How can I change my bank details for interest payment?
- 8. How would I know about Interest Payment(IP) date and Interest Payment Amount? How can I get details on cash flow from a Bond?
Taxation on Returns
- 1. What is the tax rate on the interest earned from bonds?
- 2. Can individuals get tax exemption or lower tax rates on the interest earned from bonds?
- 3. What are forms 15 G & 15H? Who needs to submit this form?
- 4. What happens if Forms 15G/15H are not submitted?
- 5. Where do I submit the form?
- 6. Where do I find the issuer name/registrar?
- 7. Are returns earned from my bond investment taxable?
- 8. What are 54EC bonds? And how to purchase 54EC bonds?
Invest as a Corporate, NGO, HUFs
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Investment Process
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Bonds Offline Flow
- 1. Why is the Yield different from the coupon?
- 2. Why do I need to pay accrued interest?
- 3. How will I receive the interest payment?
- 4. How can I modify my Demat details for this transaction?
- 5. How can I modify my Bank details for this transaction?
- 6. What is a counterparty?
- 7. What is ICCL?
- 8. I could not add ICCL as a beneficiary to my bank account. What can I do?
- 9. How long does it take to increase my TPT limit to 10L?
- 10. What if I could not pay?
- 11. How long does it take to receive my deal sheet?
- 12. When will my bond unit be credited?
- 13. Where do I find my UTR code?
- 14. I have transferred my amount, and the deal is settled. Why can’t I see units in the Demat account?
- 15. What is NSCCL?
About Sovereign Bonds
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Fixed Deposit
- 1. What is the minimum investment amount for a fixed deposit investment?
- 2. Are FD investments in India taxable?
- 3. Is a digital FD a safe investment option in India?
- 4. Can I withdraw the funds from my online FD investment account before maturity?
- 5. How do I choose the best FD to invest in?
- 6. Are senior citizens eligible for added FD benefits?
- 7. Can I open an FD online?
- 8. What is the maximum tenure of a fixed deposit investment?
- 9. How is the interest on fixed deposits calculated?
- 10. Is TDS applicable on FD interest?
- 11. Can I get regular payouts from my FD?
- 12. What is the difference between a cumulative and a non-cumulative FD?
- 13. Can I open more than one digital FD with GoldenPi?
- 14. Can NRIs invest in FDs through GoldenPi?
- 15. Are there any charges for opening a fixed deposit with GoldenPi?
- 16. How to invest in FDs through GoldenPi?
- 17. Why invest in Fixed Deposits via GoldenPi
- 18. Does GoldenPi offer customer support?
- 19. How can I submit Form 15G/H?
- 20. What does 'Insurance up to ₹5 lakh under DICGC' mean?
- 21. Who regulates Bank FDs and NBFC FDs?
- 22. Where can I escalate an issue related to my FD investment?
- 23. What happens if I become an NRI during the tenure of my FD? Do I need to close it?
- 24. What is a Tax Saver FD?
- 25. I have already completed KYC with GoldenPi and invest in bonds. Why do I need to do KYC again?
- 26. Do I need to complete KYC separately with each bank?
Sovereign Gold Bonds
- 1. What are Sovereign Gold Bonds?
- 2. What are the benefits of investing in SGB over physical gold?
- 3. Who is eligible to invest in the SGBS?
- 4. Are there any risks in investing in SGBs?
- 5. What is the minimum and maximum investment in Sovereign Gold Bonds?
- 6. What is the tenure of Sovereign Gold Bonds?
- 7. How are the interest payments and capital gains on Sovereign Gold Bonds taxed?
- 8. Can SGBs be traded on the stock exchange?
- 9. Is there any tax on the maturity amount of SGBs?
- 10. Is there any tax on the capital gains earned from selling SGBs?
- 11. Is there any tax on the interest earned on SGBs?
Capital Gain 54EC Bonds
- 1. Who can invest in 54EC bonds?
- 2. How much can I invest in 54EC bonds?
- 3. What is the lock-in period for 54EC bonds?
- 4. Are there any limits on the amount that can be invested in Capital Gain (54EC) Bonds?
- 5. Can Capital Gain (54EC) Bonds be used to offset long-term capital gains tax?
- 6. Is it a good idea to invest in 54EC bonds?
Referral Program
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Collection Details
- 1. Are highly rated bonds a good investment option?
- 2. Are highly rated bonds taxable?
- 3. Are government bonds safe?
- 4. What are the safest bonds to invest in?
- 5. What is the difference between AAA and AA bonds?
- 6. What are the benefits of GoldenPi's high-yield bonds?
- 7. Are there risks associated with investing in high-yield bonds?
- 8. Are high-yield bonds a good investment?
- 9. What is the average percentage of interest I would get after investing in high-yield bonds?
- 10. What is the minimum investment required to invest in Public Sector Bank Bonds?
- 11. Are Public Sector Bank Bonds safe?
- 12. What is the credit rating of Public Sector Bank Bonds?
- 13. How are the returns on Public Sector Bank Bonds calculated?
- 14. Can Public Sector Bank Bonds be sold in the secondary market?
- 15. What is the maturity period of Public Sector Bank Bonds?
- 16. How can I invest in Public Sector Bank Bonds?
- 17. How do ultra short-term bonds differ from other types of bonds?
- 18. Are short term bonds suitable for short-term investment goals?
- 19. How do I invest in ultra short-term bonds?
- 20. What are the returns on ultra short-term bonds?
- 21. What is an NCD IPO and how does it differ from a regular IPO?
- 22. What is Put Option in NCD?
- 23. What is Call Option in NCD?
- 24. How to reduce risk when investing in NCD IPOs?
- 25. What are the risks and benefits of investing in bonds for senior citizens?
- 26. What are the best bonds for senior citizens?
- 27. Can Senior Citizens invest in bonds with smaller lock-in periods?
- 28. What are Tax Free Bonds and how do they work?
- 29. Who should invest in Tax-Free Bonds?
- 30. What is the difference between Tax-Free Bonds and Tax-Saving Bonds?
- 31. Can NRIs invest in Indian government bonds?
- 32. Are there any restrictions or limitations on NRI investment in NRI eligible bonds?
- 33. What documents are required for the KYC process for NRIs?
- 34. What are the tax implications for NRIs investing in NRI eligible bonds?
- 35. Can NRI claim 54EC bonds?
- 36. How can one invest in public sector bank bonds?
- 37. Are public sector bank bonds safe investments?
- 38. How do public sector bank bonds work?
- 39. What should an investor know before investing in PSU Bank Bonds?
- 40. What is the usual denomination for PSU Bonds in India?
- 41. Are state government guaranteed bonds safe?
- 42. How do state government guaranteed bonds differ from other types of bonds?
- 43. What are the taxation rules for state government bonds?
- 44. Who Can Purchase State Government Bonds?
- 45. How do high-yield bonds work?
- 46. What is the average percentage of interest I would get after investing in high-yield bonds?
- 47. Are high yield bonds safe?
- 48. Who should buy high yield bonds in India?
- 49. What is a state government guaranteed bond?
- 50. What are government guaranteed bank bonds?
- 51. How do I buy state government bonds?
- 52. What are bank bonds in India?
- 53. What are government bank bonds?
- 54. Can NRIs invest in RBI bonds with floating rates?
- 55. Can NRIs opt for perpetual bond investments in India?
- 56. What makes senior citizen bonds different from regular bonds?
- 57. What is the safest investment for senior citizens?
- 58. Can senior citizen bonds be sold or transferred before the maturity date?
- 59. What happens if a senior citizen bondholder passes away before maturity?
- 60. Are government bonds tax free?
- 61. Can tax free bonds be good retirement plans?
- 62. What is the maturity period of a tax free bond in India?
- 63. What is the minimum investment cap for tax free bonds India?
- 64. Is bond a safe investment?
- 65. How to invest in AAA bonds in India?
- 66. Can NBFC bonds be highly rated?
- 67. What is NCD in the share market?
- 68. Are all NCD IPOs regulated by SEBI?
- 69. Are NCDs taxable?
- 70. How do I find the best ultra short term bond?
- 71. How are short term bonds taxed?
- 72. Which are better- PSU or NBFC bonds?
- 73. Is it good to invest in NBFC bonds?
- 74. Are highly rated bonds taxable?
- 75. What is YTM in bonds?
- 76. Are NBFC bonds regulated by RBI?
- 77. Are NBFC bonds better than NBFC fixed deposits and bank bonds?
- 78. Are NBFC bonds different from private bank bonds?
- 79. Is relying on bond ratings trustworthy when choosing NBFC bonds for investment?
- 80. How can I identify the best NBFC bond?
- 81. Do bonds pay monthly?
- 82. Can I get monthly income from bonds?
- 83. What bonds pay monthly income?
- 84. How do I buy fixed-income bonds?
- 85. What are the tax implications on fixed income bonds?
- 86. What are tax-free bonds?
- 87. How do I find the safest fixed income bonds in India?
- 88. What is a discount bond?
- 89. Why are bonds issued at discounted prices?
- 90. Can discount bonds generate periodic interest payout?
- 91. How does the price of discount bonds change with time?
- 92. How do I select the safest discount bond to invest in?
- 93. Can a discount bond be a part of a diverse portfolio?
- 94. Why invest in discount bonds?
- 95. Who issues short-term bonds in India?
- 96. How to invest in a short term bond in India?
- 97. What factors separate short-term and medium-term bonds?
- 98. How do short term bonds influence portfolio diversification?
- 99. How do I ensure the lowest default risk on short-term bonds?
- 100. How are returns from short term bonds taxed?
- 101. How do you calculate the current yield of short term bonds?
- 102. Why invest in long term bonds?
- 103. Which is better for long term investment- government bonds or corporate bonds?
- 104. What happens to long term bonds when interest rates fall in the market?
- 105. Can NRIs invest in long term bonds in India?
- 106. What kind of payout options are available with long term bonds in India?
- 107. How do you invest in long term bonds in India?
- 108. Which long term bonds are completely risk-free?
- 109. What are PSU bonds?
- 110. How to buy PSU bonds India?
- 111. How to invest in PSU bonds?
- 112. Why should you invest in PSU bonds?
- 113. Are PSU bonds the same as government bonds?
- 114. How do you calculate the yield of PSU Bonds?
- 115. Are PSU bonds available for pre-mature redemption?
- 116. Are there tax-free PSU bonds?
- 117. Should I opt for a B-rated PSU if it offers high-interest rates?
- 118. Are fixed income investments and bonds the same?
- 119. Are bonds safe if the market crashes?
- 120. Which fixed income bonds are taxable?
- 121. What are bond options?
- 122. Which bond is the safest in India?
- 123. Should I opt for public-sector or private-sector bonds?
- 124. Which credit ratings should I rely on when selecting fixed income bonds?
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