Bonds: Invest in Diversified Bond Baskets
Bonds are fixed-income investments that typically provide periodic interest payments and return the principal amount on maturity, depending on the underlying bond's terms. Bond Baskets (BondCase) make investing in bonds simpler by offering ready-made portfolios of multiple bonds in a single investment. With FundsIndia, you can access Bond Baskets alongside your mutual funds, stocks, and fixed deposits.
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What are Bonds?
A bond is a fixed-income instrument where you lend money to an issuer, such as a company, financial institution, or other rated entity, for a defined period. In return, the issuer pays you periodic interest and returns your principal amount when the bond matures.
Many bonds are assigned credit ratings by recognised rating agencies based on the issuer's creditworthiness. They differ in tenure, coupon structure, and risk profile, giving investors a range of fixed-income options to suit different financial goals.
Rather than evaluating and purchasing individual bonds separately, investors can invest in Bond Baskets. It gives instant exposure to a diversified set of bonds across issuers, credit profiles, and maturities.
What are Bond Baskets?
Bond Baskets are ready-made portfolios of multiple bonds that help you diversify across issuers, credit profiles, and maturities through a single investment. You can access these Bond Baskets through FundsIndia alongside the rest of your investment portfolio.
Diversified Exposure, One Transaction
Gain access to a bond portfolio spanning multiple issuers, credit profiles, and maturities, through the convenience of a single investment.
Theme-Based Curation
Choose BondBaskets based on your exact preferences, such as Moderate, Tax Free, Aggressive, AAA Basket, Conservative and more. They are subject to change from time to time.
Transparent Bond Cases
View the underlying bonds and their details, and adjust quantities to suit your investment preferences, as permitted by the specific structure of each basket.
Direct Coupon & Principal Credit
Coupon/interest payouts are credited directly to your demat-registered bank account as and when received from the underlying bonds. Principal is credited on maturity or upon exit, as applicable.
Flexible Partial Exits*
Need liquidity before maturity? Bond Baskets support partial exits, so you are not locked into an all-or-nothing decision. (*If there is insufficient liquidity in the underlying bonds, partial exits may not be possible.)
Part of a Broader Portfolio
Bond Baskets sit alongside mutual funds, stocks, and fixed deposits, all within the same FundsIndia platform.
Bond Baskets can complement an existing mutual fund and equity portfolio by providing diversified, transparent access to fixed income in a single transaction.
How to Access Bond Baskets Through FundsIndia?
Bond Baskets are available through the ‘Bonds’ section on the FundsIndia portal. Our platform categorises Bond Baskets based on risk appetite, time horizon, and income needs. You can choose and invest in one that suits your financial needs.
How to Access Bond Baskets Through FundsIndia?
Bond Baskets are available through the ‘Bonds’ section on the FundsIndia portal. Our platform categorises Bond Baskets based on risk appetite, time horizon, and income needs. You can choose and invest in one that suits your financial needs.
Steps to Start Investing in Bond Baskets
Here's how you can purchase bonds and begin your journey with Bond Baskets:
Log In to the FundsIndia Portal
Access your FundsIndia account and click on Bonds.
Complete Your KYC
Fill in the details and complete the KYC process for bond investments.
Choose Your BondBasket
Once activated, select a theme-based BondCase (e.g., Moderate, AAA, conservative, tax free, or aggressive) that aligns with your overarching financial goals.
Review the bond List
Check Bond’s Price, Rating, Yield to Maturity / Call, and Maturity Date. Click "View Details" on any bond inside the basket to see more about the bond.
Confirm & Proceed
Review the final transaction breakdown and click "Confirm & Proceed" to execute your buy order.
Advantages of Bond Baskets
Here are some of the benefits of Bond Baskets offered by FundsIndia.
Diversification Across Bonds
Bond Baskets spread investments across multiple bonds, issuers, and maturities, helping reduce concentration risk compared to investing in a single bond.
Potential for Regular Income
Depending on the underlying bonds and basket structure, investors may benefit from periodic coupon payments or income generation opportunities.
Lower Volatility Than Equity
Bond investments have historically exhibited lower volatility than equities, making them a useful component of a diversified portfolio.
Portfolio Stability
Adding fixed-income exposure through bond baskets can help balance portfolios that are heavily tilted towards equity investments.
Access to Curated Fixed Income Portfolios
Bond Baskets provide access to professionally curated fixed-income portfolios without the need to research and select individual bonds.
Exposure Across Credit Profiles and Tenures
Depending on the basket selected, investors may gain exposure to bonds across different issuers, maturities, and credit categories.
Tailor Your Fixed-Income Strategy with Bond Baskets
Our platform categorises BondBaskets to seamlessly match your specific risk appetite, time horizon, and income needs.
Moderate BondCases
For investors who want a balanced approach to fixed income, Moderate BondCases offer a diversified bond portfolio built around moderate risk preferences.
Tax Free BondCases
These BondCases bring together tax-free bond options available on the platform, ideal if you're looking for tax-efficient ways to invest in fixed income.
Aggressive BondCases
If you have a higher risk appetite, Aggressive BondCases give you access to fixed-income opportunities suited to that approach.
AAA Basket
The AAA Basket brings together a portfolio of AAA-rated bonds in one place, giving you exposure to highly rated fixed-income securities through a single basket.
Conservative BondCases
Built for investors with a lower risk appetite, Conservative BondCases offer a bond portfolio following a conservative investment approach.
And More
Explore our full, evolving library of curated BondCases, specifically designed to offer diverse fixed-income solutions that align with your unique financial objectives and market outlook.
Requirements for Investing in Bond Baskets
Make sure you meet the following criteria to purchase bonds and get started.
Minimum Investment Amount
Bond Basket investments typically start from ₹50,000, although the minimum investment amount may vary depending on the basket selected. The applicable minimum investment amount is displayed on each Bond Basket page.
Completed KYC
Investors must have a valid and completed KYC to invest in Bond Baskets through FundsIndia.
Active Demat Account
Since Bond Baskets consist of listed bonds held electronically, an active Demat account is required to complete your investment.
Registered Bank Account
Interest payments (coupon payouts) and principal repayments will be credited to your registered bank account linked to your Demat account.
Lump Sum Investments
Bond Baskets currently support lump sum investments only. SIP investments and automatic rebalancing features are not available at launch.
Steps to Start Investing in Bond Baskets
Log In to the FundsIndia Portal
Access your FundsIndia account and click on Bonds.
Complete Your KYC
Fill in the details and complete the KYC process for bond investments.
Choose Your BondBasket
Once activated, select a theme-based BondCase (e.g., Moderate, AAA, conservative, tax free, or aggressive) that aligns with your overarching financial goals.
Review the bond List
Check Bond’s Price, Rating, Yield to Maturity / Call, and Maturity Date. Click "View Details" on any bond inside the basket to see more about the bond.
Confirm & Proceed
Review the final transaction breakdown and click "Confirm & Proceed" to execute your buy order.
Advantages of Bond Baskets
Diversification Across Bonds
Bond Baskets spread investments across multiple bonds, issuers, and maturities, helping reduce concentration risk compared to investing in a single bond.
Potential for Regular Income
Depending on the underlying bonds and basket structure, investors may benefit from periodic coupon payments or income generation opportunities.
Lower Volatility Than Equity
Bond investments have historically exhibited lower volatility than equities, making them a useful component of a diversified portfolio.
Portfolio Stability
Adding fixed-income exposure through bond baskets can help balance portfolios that are heavily tilted towards equity investments.
Access to Curated Fixed Income Portfolios
Bond Baskets provide access to professionally curated fixed-income portfolios without the need to research and select individual bonds.
Exposure Across Credit Profiles and Tenures
Depending on the basket selected, investors may gain exposure to bonds across different issuers, maturities, and credit categories.
Tailor Your Fixed-Income Strategy with Bond Baskets
Moderate BondCases
For investors who want a balanced approach to fixed income, Moderate BondCases offer a diversified bond portfolio built around moderate risk preferences.
Tax Free BondCases
These BondCases bring together tax-free bond options available on the platform, ideal if you're looking for tax-efficient ways to invest in fixed income.
Aggressive BondCases
If you have a higher risk appetite, Aggressive BondCases give you access to fixed-income opportunities suited to that approach.
AAA Basket
The AAA Basket brings together a portfolio of AAA-rated bonds in one place, giving you exposure to highly rated fixed-income securities through a single basket.
Conservative BondCases
Built for investors with a lower risk appetite, Conservative BondCases offer a bond portfolio following a conservative investment approach.
And More
Explore our full, evolving library of curated BondCases, specifically designed to offer diverse fixed-income solutions that align with your unique financial objectives and market outlook.
Requirements for Investing in Bond Baskets
Minimum Investment Amount
Bond Basket investments typically start from ₹50,000, although the minimum investment amount may vary depending on the basket selected. The applicable minimum investment amount is displayed on each Bond Basket page.
Completed KYC
Investors must have a valid and completed KYC to invest in Bond Baskets through FundsIndia.
Active Demat Account
Since Bond Baskets consist of listed bonds held electronically, an active Demat account is required to complete your investment.
Registered Bank Account
Interest payments (coupon payouts) and principal repayments will be credited to your registered bank account linked to your Demat account.
Lump Sum Investments
Bond Baskets currently support lump sum investments only. SIP investments and automatic rebalancing features are not available at launch.
Start exploring fixed-income opportunities without the complexity of selecting individual bonds yourself.
Why Invest in Bonds Through FundsIndia?
Investors who prefer a ready-made, carefully constructed bond portfolio over selecting individual bonds themselves can find Bond Baskets as an ideal solution. Here are some reasons why you may want to invest in bonds with FundsIndia.
Wealth Managers
Get guidance from dedicated wealth managers to help you choose Bond Baskets that align with your financial goals and overall investment strategy.
Transparent Pricing
View the underlying bonds, portfolio composition, and applicable charges upfront, so you know exactly what you're investing in.
Convenient Investing Experience
Invest in a pre-constructed Bond Basket through a single transaction, making portfolio building and management more efficient.
Everything in One App
No need to juggle a separate bond platform; it sits next to your mutual funds, stocks, and FDs on the same app.
Not sure which Bond Basket suits your portfolio? Your dedicated FundsIndia wealth manager can help with financial planning for your goals and guide you on asset allocation and wealth management throughout your investment journey.
Disclaimer: Investment execution, order placement, settlement, custody, and servicing are undertaken through the SEBI-registered Online Bond Platform Provider. FundsIndia does not issue or guarantee the bonds. Bond investments are subject to market risk, credit risk, liquidity risk and interest rate risk. Investors should read all offer documents and product information carefully before investing. Coupon payments and principal repayment depend on the issuer meeting its obligations. Investments through Bond Baskets are facilitated via a SEBI-registered Online Bond Platform Provider.
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Frequently Asked Questions
What are Bond Baskets?
Bond Baskets are portfolios of multiple bonds brought together under a single investment theme, giving investors diversified exposure across issuers, credit profiles, and maturities through one investment.
What is the minimum investment amount for Bond Baskets?
Investment starts from the minimum amount defined for each Bond Basket, as displayed on its product page. Typically, you can start investing in bond baskets with a minimum of ₹50,000.
Is there a maximum investment limit?
There is no platform-defined maximum investment limit, subject to basket availability and regulatory constraints.
Can I invest via SIP in Bond Baskets?
No. Only lump-sum investments are supported at the moment. SIPs are not available.
Does the basket rebalance automatically?
No. Automatic rebalancing is not available at this time.
Can I exit before maturity?
Yes. Partial exits are supported, so you can exit part of your Bond Basket before maturity if needed.
How are coupon payouts and principal credits?
Coupon/interest payouts are credited directly to your demat-registered bank account as and when received from the underlying bonds. Principal is credited on maturity or upon exit, as applicable.
How do I start investing in Bond Baskets?
Log in to the FundsIndia app, click Bonds, fill in your details, and complete your KYC. Once your KYC is validated, you can start investing in Bond Baskets.
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