Your Portfolio Needs a Stable Foundation
Not everything should be in equities. Build predictable income streams with Government Securities, Corporate Bonds, and Global Fixed Income. Better yields than FDs, with institutional-grade access.
₹1L
Minimum Investment
9-12%
Yield Range
Zero
Advisory Fee
OTC
Direct Sourcing
Why Your Portfolio Needs Fixed Income
Predictable Cash Flows
Unlike equities, bonds pay fixed interest at known intervals. Plan your cash flows with certainty — whether for regular income or specific future goals.
Capital Preservation
When you hold bonds to maturity, you get your principal back (assuming no default). A portion of your portfolio should prioritize safety over growth.
Portfolio Stability
Bonds often move differently than stocks. When equity markets crash, quality bonds typically hold value or appreciate, reducing overall portfolio volatility.
Better Than FDs
Quality corporate bonds and G-Secs often yield 1-2% more than bank FDs of similar tenure, with comparable or better safety. Tax efficiency is often better too.
The Math is Simple:
A 9% corporate bond beats a 7% FD by ₹2 lakhs on every ₹1 crore over 10 years.
That's ₹20 lakhs extra. Same safety profile (AAA-rated), but smarter allocation.
Fixed Income Options We Offer
Government Securities (G-Secs)
Sovereign-backed securities with zero credit risk. Available in various tenures from 1 to 40 years. The safest fixed income option.
Typical Yield
7.0% - 7.5%
Risk
Zero credit risk
State Development Loans (SDLs)
Bonds issued by state governments. Slightly higher yield than G-Secs with implicit sovereign backing.
Typical Yield
7.2% - 7.8%
Risk
Very low
Corporate Bonds
Debt issued by companies. AAA-rated bonds offer safety with better yields. Lower ratings offer higher yields with higher risk.
Typical Yield
7.5% - 12%+
Risk
Rating dependent
Tax-Free Bonds
Bonds from PSU entities where interest is tax-free. Limited supply but excellent for those in higher tax brackets.
Typical Yield
5.5% - 6% (tax-free)
Risk
Very low (PSU backed)
NCDs (Non-Convertible Debentures)
Corporate debt instruments traded on exchanges. Offer liquidity and often attractive yields. Credit assessment critical.
Typical Yield
9% - 12%+
Risk
Issuer dependent
Global Bonds
International fixed income for currency diversification. US Treasuries, investment-grade corporate bonds, emerging market debt.
Typical Yield
4% - 7% (USD)
Risk
Currency + credit risk
Why Post9 for Fixed Income
OTC Sourcing
We source bonds directly from the OTC market, giving you access to instruments not available on retail platforms. Better prices, wider selection.
Credit Assessment
We don't just look at ratings. We assess issuer financials, sector dynamics, and repayment capacity before recommending any corporate bond.
Yield Optimization
We construct laddered portfolios, match durations to your goals, and identify mispriced bonds to optimize your risk-adjusted yield.
Zero Advisory Fee
We charge nothing for fixed income advisory. Our earnings come from the bond spread — completely transparent and aligned with your interests.
Transparent Pricing
Bond Portfolio
We don't charge any advisory fee for fixed income. We earn from the bond spread (difference between buy and sell price) — a standard market practice that's transparent and aligned with your interests.
- OTC sourcing for better prices
- Credit assessment & due diligence
- Portfolio construction & laddering
- Maturity tracking & reinvestment guidance
Bonds vs Other Options
| Feature | G-Secs | Corporate Bonds | Bank FD | Debt MF |
|---|---|---|---|---|
| Typical Yield | 7.0-7.5% | 9-12% | 6.5-7.5% | 7-8% |
| Credit Risk | Zero | Rating based | Bank dependent | Portfolio based |
| Liquidity | High | Medium | Penalty on break | T+1 to T+3 |
| Tax Efficiency | Slab rate | Slab rate | Slab rate + TDS | Slab rate |
| Minimum | ₹10,000 | ₹1 Lakh | ₹1,000 | ₹500 |
| Lock-in | None | None | Tenure based | None |
Frequently Asked Questions
Risk Disclosure: Fixed income investments carry interest rate risk (bond prices fall when rates rise), credit risk (issuer may default), and liquidity risk (some bonds may be hard to sell). Past yields do not guarantee future returns. Credit ratings can change. Please understand all risks before investing.
Ready for Stable, Predictable Returns?
Build the stable foundation your portfolio needs. Let's construct a bond portfolio that matches your income needs and risk appetite.
Build Your Bond Portfolio