GoldenPi: Buy Bonds, Debentures & Other Fixed Income Assets
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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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Example instruments:
AA/A Rated Corporate Bonds, Tax-free Bonds
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Frequently Asked Questions
Browse FAQ by topic
About GoldenPi
- 1. What is GoldenPi?
- 2. Why is it important to deposit in fixed-income assets in 2026?
- 3. Why should I invest in Bonds and Debentures?
- 4. How do I start investing in fixed income securities on GoldenPi?
- 5. What is GoldenPi's role in Bond Investment?
- 6. What is GoldenPi's relationship with Zerodha?
- 7. What are the unique features of GoldenPi? Why should I consider buying Bonds from GoldenPi?
- 8. How safe is my data with GoldenPi?
- 9. How safe is my investment through GoldenPi?
- 10. What happens to my investment if GoldenPi shuts down?
- 11. How much does GoldenPi charge for its services?
- 12. 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. Why should I invest in corporate bonds in 2026?
- 4. What are the different types of Bonds?
- 5. What are NCDs? Explain the difference between Bonds and NCDs.
- 6. Can there be any risk in Bond Investment?
- 7. Why should I invest in Bonds?
- 8. Is there a lock-in period for Bond? Can I withdraw my money invested in bonds anytime before maturity?
- 9. How can I sell bonds before the maturity date?
- 10. Comparison with Fixed income instruments - Bonds vs. PPF vs. FDs vs. ETF.
- 11. Why should I choose bonds over fixed deposits?
- 12. How do Bonds give higher returns than FDs? Is there any risk involved?
- 13. 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. Is it necessary to have a DP ID and Client ID to apply for IPOs in 2026?
- 3. How to find UPI handles?
- 4. How to create a UPI handle if I don’t have one?
- 5. How to accept UPI payment mandate?
- 6. If my application gets rejected, when will my fund be released?
- 7. Why was my application rejected?
- 8. How do I know my allotment status?
- 9. Why are Bond units not allotted to me?
- 10. Why can’t I invest more than Rs 5 Lakhs using UPI 2.0?
- 11. How can I apply on behalf of a minor?
- 12. Can I change my mobile number or email after they are verified on GoldenPi?
- 13. How do I contact GoldenPi?
- 14. What happens when I cancel my IPO application?
- 15. Which UPI Apps are currently supported for IPO Application?
- 16. 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 there risks associated with investing in high-yield bonds?
- 52. Are high-yield bonds a good investment?
- 53. What is the maximum maturity period of high-yield bonds?
- 54. What is the minimum investment required to invest in Public Sector Bank Bonds?
- 55. What is the credit rating of Public Sector Bank Bonds?
- 56. How are the returns on Public Sector Bank Bonds calculated?
- 57. Can Public Sector Bank Bonds be sold in the secondary market?
- 58. What is the maturity period of Public Sector Bank Bonds?
- 59. 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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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
- 1. What does one mean by Government security?
- 2. What is the minimum investment in the government security bonds in 2026?
- 3. Are Government bonds good investment?
- 4. How to buy Government bonds through GoldenPi?
- 5. Are Government bonds tax-free?
- 6. Can NRI Invest in Government bonds?
- 7. How to sell Government Bonds?
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 right 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 is the return range I can expect from the corporate fixed deposits in 2026?
- 21. What does 'Insurance up to ₹5 lakh under DICGC' mean?
- 22. Who regulates Bank FDs and NBFC FDs?
- 23. Where can I escalate an issue related to my FD investment?
- 24. What happens if I become an NRI during the tenure of my FD? Do I need to close it?
- 25. What is a Tax Saver FD?
- 26. I have already completed KYC with GoldenPi and invest in bonds. Why do I need to do KYC again?
- 27. 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
- 1. What is the GoldenPi referral program?
- 2. How can I refer someone?
- 3. Who is a referee?
- 4. Who can I invite to join GoldenPi?
- 5. Is there a limit to how many people I can refer?
- 6. Can I earn referral rewards even if I haven’t invested on GoldenPi?
- 7. Do referral rewards apply to all products on the GoldenPi platform?
- 8. Which types of bond investments are eligible for referral reward?
- 9. When do I become eligible to receive a referral reward?
- 10. How much can I earn per referral?
- 11. How much can I earn through the referral program?
- 12. When am I eligible to earn the referral rewards?
- 13. How can I claim the reward? How long will it take to process my Reward?
- 14. Where can I find the detailed referral terms and conditions?
Collection Details
- 1. Are highly rated bonds a good investment option?
- 2. Are government bonds safe?
- 3. What are the safest bonds to invest in?
- 4. What is the difference between AAA and AA bonds?
- 5. Are there risks associated with investing in high-yield bonds?
- 6. Are high-yield bonds a good investment?
- 7. What is the minimum investment required to invest in Public Sector Bank Bonds?
- 8. Are Public Sector Bank Bonds safe?
- 9. What is the credit rating of Public Sector Bank Bonds?
- 10. How are the returns on Public Sector Bank Bonds calculated?
- 11. Can Public Sector Bank Bonds be sold in the secondary market?
- 12. What is the maturity period of Public Sector Bank Bonds?
- 13. How can I invest in Public Sector Bank Bonds?
- 14. How do ultra short-term bonds differ from other types of bonds?
- 15. Are short term bonds suitable for short-term investment goals?
- 16. How do I invest in ultra short-term bonds?
- 17. What are the returns on ultra short-term bonds?
- 18. What is an NCD IPO and how does it differ from a regular IPO?
- 19. Who can invest in NCD IPOs in 2026?
- 20. What is Put Option in NCD?
- 21. What is Call Option in NCD?
- 22. How to reduce risk when investing in NCD IPOs?
- 23. What are the risks and benefits of investing in bonds for senior citizens?
- 24. What are some bonds investment options available for senior citizens?
- 25. Can Senior Citizens invest in bonds with smaller lock-in periods?
- 26. What are Tax Free Bonds and how do they work?
- 27. Who should invest in Tax-Free Bonds?
- 28. What is the difference between Tax-Free Bonds and Tax-Saving Bonds?
- 29. Can NRIs invest in Indian government bonds?
- 30. How can NRIs invest in eligible bonds in 2026?
- 31. Are there any restrictions or limitations on NRI investment in NRI eligible bonds?
- 32. What are the tax implications for NRIs investing in NRI eligible bonds?
- 33. Can NRI claim 54EC bonds?
- 34. How can one invest in public sector bank bonds?
- 35. Are public sector bank bonds safe investments?
- 36. How do public sector bank bonds work?
- 37. What should an investor know before investing in PSU Bank Bonds?
- 38. What is the usual denomination for PSU Bonds in India?
- 39. Are state government guaranteed bonds safe?
- 40. How do state government guaranteed bonds differ from other types of bonds?
- 41. What are the taxation rules for state government bonds?
- 42. Who Can Purchase State Government Bonds?
- 43. How do high-yield bonds work?
- 44. Can I get monthly income from high-yield bonds in 2026?
- 45. Are high yield bonds safe?
- 46. Who should buy high yield bonds in India?
- 47. What is a state government guaranteed bond?
- 48. What are the government backed bonds?
- 49. How do I buy state government bonds?
- 50. What are bank bonds in India?
- 51. Can NRIs invest in RBI bonds with floating rates?
- 52. Can NRIs opt for perpetual bond investments in India?
- 53. What makes senior citizen bonds different from regular bonds?
- 54. what are the suitable investment for senior citizens?
- 55. Can senior citizen bonds be sold or transferred before the maturity date?
- 56. What happens if a senior citizen bondholder passes away before maturity?
- 57. Are government bonds tax free?
- 58. Can tax free bonds be good retirement plans?
- 59. What is the maturity period of a tax free bond in India?
- 60. What is the minimum investment cap for tax free bonds India?
- 61. Is bond a safe investment?
- 62. How to invest in AAA bonds in India?
- 63. What should investors consider when investing in AA-rated bonds in 2026?
- 64. Can NBFC bonds be highly rated?
- 65. What is NCD in the share market?
- 66. Are all NCD IPOs regulated by SEBI?
- 67. Are NCDs taxable?
- 68. How do I find the best ultra short term bond?
- 69. How are short term bonds taxed?
- 70. Which are better- PSU or NBFC bonds?
- 71. Is it good to invest in NBFC bonds?
- 72. What is YTM in bonds?
- 73. Are NBFC bonds regulated by RBI?
- 74. Are NBFC bonds better than NBFC fixed deposits and bank bonds?
- 75. Are NBFC bonds different from private bank bonds?
- 76. Is relying on bond ratings trustworthy when choosing NBFC bonds for investment?
- 77. How can I identify the suitable NBFC bond?
- 78. Do bonds pay monthly?
- 79. How do I invest in monthly fixed-income bonds in 2026?
- 80. Can I get monthly income from bonds?
- 81. What bonds pay monthly income?
- 82. How do I buy fixed-income bonds?
- 83. What are the tax implications on fixed income bonds?
- 84. What are tax-free bonds?
- 85. How do I find the safe fixed income bonds in India?
- 86. What is a discount bond?
- 87. What are the benefits of GoldenPi's high-yield bonds?
- 88. Are highly rated bonds taxable?
- 89. What is the average percentage of interest I would get after investing in high-yield bonds?
- 90. Why are bonds issued at discounted prices?
- 91. Can discount bonds generate periodic interest payout?
- 92. How does the price of discount bonds change with time?
- 93. How do I select the safe discount bond to invest in?
- 94. Can a discount bond be a part of a diverse portfolio?
- 95. Why invest in discount bonds?
- 96. Who issues short-term bonds in India?
- 97. How to invest in a short term bond in India?
- 98. What factors separate short-term and medium-term bonds?
- 99. How do short term bonds influence portfolio diversification?
- 100. How do I ensure the lowest default risk on short-term bonds?
- 101. How are returns from short term bonds taxed?
- 102. How do you calculate the current yield of short term bonds?
- 103. Why invest in long term bonds?
- 104. Which is better for long term investment- government bonds or corporate bonds?
- 105. What happens to long term bonds when interest rates fall in the market?
- 106. Can NRIs invest in long term bonds in India?
- 107. What kind of payout options are available with long term bonds in India?
- 108. How do you invest in long term bonds in India?
- 109. Which long term bonds are completely risk-free?
- 110. What are PSU bonds?
- 111. How to buy PSU bonds India?
- 112. How to invest in PSU bonds?
- 113. Why should you invest in PSU bonds?
- 114. Are PSU bonds the same as government bonds?
- 115. How do you calculate the yield of PSU Bonds?
- 116. Are PSU bonds available for pre-mature redemption?
- 117. Are there tax-free PSU bonds?
- 118. Should I opt for a B-rated PSU if it offers high-interest rates?
- 119. Are fixed income investments and bonds the same?
- 120. Are bonds safe if the market crashes?
- 121. Which fixed income bonds are taxable?
- 122. What are bond options?
- 123. Which bond is the safest in India?
- 124. Should I opt for public-sector or private-sector bonds?
- 125. Which credit ratings should I rely on when selecting fixed income bonds?
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