Yield, rating and duration: three terms every bond investor meets
Three words that appear on almost every bond offer, and what each one tells you about risk and return.
Offering
Fixed Income & Bonds
Bonds, NCDs and corporate deposits through MOFSL, with each issuer, rating, tenure and risk set out before you decide.
- Regulated by
- SEBI for listed bonds; RBI for government securities
- Provided by
- Issuers of debt, offered through MOFSL
- Our role
- Authorised Partner of MOFSL
- Often considered by
- Investors who want regular interest income or a known maturity date alongside their other holdings.
What’s included
- Government securities, where available through MOFSL
- Corporate bonds and non-convertible debentures (NCDs)
- Corporate fixed deposits
- Tax-free and other specified bonds, subject to availability
How it works with us
- Step 1
Set your parameters
How long you can invest, how often you want interest, and how easily you may need to sell.
- Step 2
Compare issues
Issuer, credit rating, yield, tenure, security and listing, side by side.
- Step 3
Invest
Listed bonds are bought into your demat account; deposits are applied for directly with the issuer.
- Step 4
Track
Interest credits, maturity dates and what to do with the money when it returns.
Things to understand first
General points only. Read the offer documents for the specific product before you invest.
- Payments depend on the issuer’s ability to pay. Returns are not guaranteed unless the instrument itself states so.
- Credit ratings are opinions, not guarantees, and can change over time.
- Bond prices move as interest rates change, and some instruments can be difficult to sell before maturity.
- Interest is generally taxable under applicable rules.
Common questions
Can I sell a bond before it matures?
Listed bonds can be sold on the exchange, but trading can be thin and the price you get may be lower than you expect.
Are corporate fixed deposits insured?
No. Deposit insurance from the DICGC covers bank deposits, not corporate fixed deposits.
How is bond interest taxed?
Interest is generally added to your income and taxed at your slab rate. Some bonds have specific tax treatment.
Further reading
Regulatory information
Fixed income products are offered through Motilal Oswal Financial Services Limited (MOFSL), with EquityBox as its Authorised Partner. Bonds and deposits are issued by the respective issuers, who are responsible for paying interest and repaying principal.
Talk to us about fixed income & bonds
An introductory call, with no obligation to invest.