Fixed Income & Bonds

Steady Returns with
Bonds & Fixed Income

Government bonds, corporate bonds, NCDs, sovereign gold bonds and tax-free bonds. Predictable income with capital protection — ideal for conservative and balanced investors.

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SEBI Regulated
Capital Protection
Regular Income
Fixed Income Overview
7–13%
Expected Returns p.a.
₹1,000
Minimum Investment
5+
Bond Categories
Low
Market Risk
Fixed Tenure1–30 Year Options
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Regular PayoutMonthly/Quarterly
7–13%
Annual Returns on Bonds
₹1,000
Minimum Investment Amount
5+
Bond Categories Available
Low
Volatility vs Equity Markets
Bond Categories

Types of Bonds on Regnum

Choose from a wide range of SEBI-regulated fixed income instruments based on your risk appetite and return expectations.

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Government Bonds (G-Secs)

Issued by the Government of India. Zero credit risk. Returns of 7–8% p.a. with sovereign guarantee. Ideal for risk-averse long-term investors.

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Corporate Bonds

Issued by AAA-rated Indian companies. Higher yields of 8–12% p.a. Fixed coupon payouts quarterly or annually. Better than FD returns.

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NCDs — Non-Convertible Debentures

High-yield NCDs from leading NBFCs. Returns of 9–13% p.a. Fixed tenure of 1–10 years. Listed on BSE/NSE for liquidity.

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Sovereign Gold Bonds (SGBs)

Government-issued gold bonds with 2.5% annual interest + gold price appreciation. No storage risk. Tax-free on maturity if held 8 years.

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Tax-Free Bonds

Issued by PSUs like NHAI, REC, PFC. Interest income is 100% tax-free. Effective yield of 9–10% for 30% tax bracket investors.

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54EC Capital Gain Bonds

Save long-term capital gains tax by investing in NHAI/REC bonds within 6 months. Lock-in of 5 years. Invest up to ₹50 Lakh.

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Why Bonds

Why Invest in Bonds?

Capital Protection
Government and high-rated corporate bonds protect your principal while generating consistent income.
Regular Income
Quarterly or semi-annual coupon payments. Ideal for retirees or those seeking predictable cash flow.
Tax Efficiency
Tax-free bonds, SGBs with capital gains exemption, and 54EC bonds for LTCG saving — all on one platform.
Portfolio Diversification
Low correlation with equity. Bonds reduce overall portfolio volatility and provide stability during market corrections.
FAQ

Bonds FAQ

Are bonds safer than mutual funds?
Government bonds carry zero credit risk and are the safest investment after bank FDs. Corporate bonds carry some credit risk depending on the issuer rating. Overall, bonds have lower risk than equity mutual funds.
What is the minimum amount to invest in bonds?
You can start with as low as ₹1,000 for corporate bonds and NCDs. Sovereign Gold Bonds start at 1 gram of gold. Government securities (G-Secs) start at ₹10,000.
Are bond returns taxable?
Coupon income from most bonds is taxable as per your income tax slab. However, interest from tax-free bonds (NHAI, REC, PFC) is 100% exempt. SGBs held to maturity (8 years) are also capital gains tax-free.
Can I sell bonds before maturity?
Listed bonds (NCDs, SGBs, G-Secs) can be sold on BSE/NSE before maturity. However, price may vary based on interest rate movements. Unlisted bonds may have limited liquidity.

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