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Invest in bonds & earn
up to 12.25% returns

SEBI regulated, secured bonds

Earn fixed returns, not linked to markets

Start with as low as ₹100

Invest in bonds & earn

up to 12.25% returns

Start with just ₹1000

High yield bonds

All bonds

Government Bonds

Selling out soon

Stable Bonds Safety Checklist

0 defaults till date

0 defaults till date

Since launch, all bonds on Stable Bonds have had a 100% no-default record.

Listed bonds

Listed bonds

All bonds on Stable Bonds are listed on the stock exchanges.

Strong leadership

Strong leadership

Consistent performance driven by experienced CEOs make these a safe bet.

Frequently asked questions

What exactly is KYC, and why do I need it for bonds?KYC is a regulatory process that verifies your identity to ensure secure, hassle-free investing. It’s mandatory and helps keep your investments safe.Do I have to do video-KYC for investing in bonds?Nope! We’ve simplified the process—no video calls needed. You just need to upload your documents online.How long does it take to get my KYC approved?It’s quick! Your KYC typically gets approved within 30 minutes to a maximum of one working day.Is the KYC specific to each bond?Not at all! Once your KYC is approved, it’s valid for the entire platform, allowing you to invest seamlessly in any bond without repeating the process.Which documents are required for my KYC?You’ll need your PAN card, Aadhaar card, and a Demat account number (16-digit). That's it!
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All FAQs

What exactly is KYC, and why do I need it for bonds?KYC is a regulatory process that verifies your identity to ensure secure, hassle-free investing. It’s mandatory and helps keep your investments safe.Do I have to do video-KYC for investing in bonds?Nope! We’ve simplified the process—no video calls needed. You just need to upload your documents online.How long does it take to get my KYC approved?It’s quick! Your KYC typically gets approved within 30 minutes to a maximum of one working day.Is the KYC specific to each bond?Not at all! Once your KYC is approved, it’s valid for the entire platform, allowing you to invest seamlessly in any bond without repeating the process.Which documents are required for my KYC?You’ll need your PAN card, Aadhaar card, and a Demat account number (16-digit). That's it!Can I link my existing Demat account?Absolutely! If you already have a Demat account, you can link it directly. Just enter your existing 16-digit Demat number during KYC.Are there any charges or fees for completing my KYC?None at all. Our KYC process is completely free, transparent, and straightforward.Which bank account can I use to make my investment payments?You can use any of your bank accounts that you’ve listed during the KYC process. Make sure it's one you've verified during your KYC.How do I start investing?First, quickly complete your KYC. It’s an easy, one-time online step requiring PAN, Aadhaar, and Demat details—no video calls needed.What happens after my KYC is done?Once approved, you can immediately select any bond available on our platform.How do I pay for my bonds?Simply use the verified bank account you linked during your KYC.When will my bonds appear in my account?Your bonds settle in your Demat account within just one working day (T+1).Do I need to claim my bond returns manually?Nope! Interest payments automatically flow into your Demat-linked savings bank account without any manual effort.What happens when my bond matures?Your original investment amount automatically credits back to your bank account—no extra steps required!How do I check if my bond has settled in my Demat account?Usually, bonds appear automatically. If they don’t show immediately, simply log in to your Demat provider (CDSL or NSDL), and you'll find your bonds listed clearly there.Will I get any confirmation of receipt?Look out for a deal sheet from NSE on settlement. This will have all the details of your bond investment through Stable bonds. What exactly is a bond?Think of bonds like fixed deposits (FDs)—but instead of placing money in a bank, you deposit it directly with companies or the government for higher returns.How safe are bonds compared to other investments?Bonds, especially those rated "A" or higher, are much safer than stocks, with predictable returns that are typically higher than traditional bank FDs.Are bond returns affected by stock market fluctuations?Not at all. Bonds give you fixed returns independent of stock market swings, offering stability and peace of mind.Who regulates bonds?In India, bonds are strictly regulated by SEBI (Securities and Exchange Board of India), ensuring transparency and investor protection.What is Yield to Maturity (YTM)?Yield to Maturity (YTM) is your bond's annual rate of return. YTM assumes you'll reinvest every payout you get, making it ideal to assess bonds with multiple repayments. YTM and XIRR are the same thing.What is the coupon rate?The coupon rate is the annual interest rate your bond pays. It’s calculated based on the bond’s face value.What does 'tenure' mean in bonds?Tenure is the duration or lifetime of a bond. Once issued, the tenure reduces every day until maturity, at which point you get your principal back.What does a "listed bond" mean?Listed bonds are available on NSE or BSE. This ensures higher compliance and disclosures.What is a senior secured bond?A senior secured bond is backed by collateral or specific assets, meaning bondholders have priority claims if the issuer faces financial issues—this is the highest form of protection. What is "Sold %" in bond listings?"Sold %" indicates how much of a bond has been purchased by other investors. It doesn’t impact your returns. What's an Information Memorandum (IM)?It’s an official document provided by the issuer, approved by SEBI, that clearly outlines bond terms, financial details, and risk factors, helping you understand your investment better.What is a Credit Rating Document?A detailed document prepared by rating agencies explaining why a bond has received its specific rating. It covers the issuer’s financial health, strengths, risks, and more.What exactly are bond ratings?Ratings show how safe or risky a bond is. They are typically A, B, and C. Higher ratings (A) indicate safer bonds, while lower ratings, like B and C signal higher risk.Who assigns bond ratings?SEBI-regulated Credit Rating Agencies (CRAs) assign ratings after carefully evaluating a company's financial health and repayment capability.Which credit rating agencies does Stable Money rely on?We use ratings from India's top four trusted agencies: CRISIL, ICRA, India Ratings, and CARE. They have the best rating record and 3 out of 4 are even public listed companies.What do "+" or "-" signs mean in ratings?These signs (+/-) show a relative ranking within the main rating category. They indicate minor differences in risk but don't significantly change the bond's overall risk profile.How safe are A-rated bonds exactly?A-rated bonds have an extremely low default risk—approximately 0.1% (just 1 in 1000)—making them very safe investment instruments regulated by SEBI, offering high fixed returns.What about bonds rated B or C?These are highly risky bonds, often from smaller companies. They might struggle to handle unexpected financial issues, thus increasing your investment risk significantly. Stable Bonds avoids B and C rated bonds.What does "(Stable)" in a bond rating mean?"Stable" refers to the rating agency’s outlook on the bond issuer’s financial stability—not related to Stable Money. It indicates the issuer is expected to remain financially secure and consistent.Are all bonds on Stable Money "A" rated?Stable Money offers carefully selected bonds—all are "A" rated or higher. Ratings are clearly shown for each bond so you can make informed choices.Are all Stable Money bonds regulated?Absolutely! Every bond on our platform is SEBI-regulated, ensuring full transparency and trustworthiness.Are all bonds on Stable Money senior secured?Most bonds on Stable Money are senior secured for highest investor protection.Has any bond defaulted on Stable Money so far?No! We proudly maintain a 100% record—no bond listed on Stable Money has ever defaulted.What is accrued interest?Accrued interest is the interest accumulated on a bond since the last interest payment date but not yet paid out. It ensures buyers and sellers get the correct interest amount based on the exact number of days they've each held the bond.Why is accrued interest sometimes positive (+)?A positive accrued interest means you'll receive the full upcoming interest payout, even though you've held the bond for fewer days. So, you're paying upfront for the extra days of interest that you haven't actually earned yet.Why is accrued interest sometimes negative (-)?A negative accrued interest means you won't receive the next full interest payout because you've held the bond for fewer days. So, you get an upfront discount equal to the interest for the days you haven't held the bond.What is 'Clean Price' and 'Dirty Price' in bonds?Clean Price is the bond’s price excluding accrued interest. Dirty Price is the total price you pay, including accrued interest. This is what you actually pay when buying.Do bond issuers provide a payout schedule?Yes! Every bond clearly mentions exact dates when your interest payments and maturity amounts will be credited to your bank account. Where do bond interest and maturity payments go?Your bond’s interest payments and maturity amounts automatically credit to your savings bank account linked with your Demat account—completely hassle-free.Do I need to manually claim bond interest or maturity amounts?No action needed! Payments automatically appear in your Demat-linked savings bank account exactly as scheduled.Can I keep reinvesting in the same bond multiple times?Definitely! You can continuously reinvest in your preferred bonds as long as they're available on our platform.What's the minimum investment amount for bonds?Start small! Government bonds start from just ₹100, and corporate bonds offering up to 12% returns begin from ₹1,000.How often will I receive interest payments?Interest payments may occur monthly, quarterly, semi-annually, or annually—each bond specifies this clearly.Can I use bonds as a monthly income source?Yes! Many bonds pay monthly interest, providing steady, predictable monthly income.Does "Sold %" affect my bond returns?No, not at all..Your returns remain exactly as promised, regardless of how much of the bond others have bought.Can I withdraw a bond investment before maturity?Technically, yes, since you can sell it through demat. But Bonds are mostly illiquid, meaning it is difficult to find a buyer on the other side. So plan your emergency funds accordingly.Does bond tenure decrease daily?Yes! Tenure steadily reduces each day as maturity approaches. You’ll always see the updated tenure clearly displayed.Do you have any plans for liquidity in bonds?Yes, wait and watch out for one of the most innovative liquidity features in the bond market coming soon.How do bond returns typically compare with Fixed Deposits (FDs)?Bonds usually offer significantly higher returns compared to traditional FDs, making them a better option for stable yet higher earnings.Is bond maturity flexible like FDs?Yes, bonds come in various tenures—from months to several years—allowing similar flexibility as FDs.Why choose bonds over stocks?Bonds provide stable, predictable returns without the volatility associated with stocks.Can bonds complement my stock portfolio?Absolutely! Bonds add stability to your portfolio by balancing out the market fluctuations typical of stocks.How does income stability from bonds compare to dividend income from stocks?Bond payouts are fixed and predictable, unlike dividends from stocks, which can fluctuate or even cease.What's the key advantage of bonds over mutual funds?Bonds offer predictable fixed returns and avoid exposure to market volatility inherent in mutual funds.Can bonds and mutual funds work well together?Yes, reinvesting your monthly bond earnings into mutual funds can help balance stability and growth.Are bonds simpler to manage compared to mutual funds?Yes, bonds have straightforward structures and predictable returns, making them simpler and clearer.Are bonds riskier like stock markets?Absolutely not. A-rated bonds are highly secure investments with risk as low as 0.1%, 1 in 1000. For this you get significantly higher fixed returns in a regulated instrument.Which bond should I start with?Start small and safe—government bonds begin from just ₹100, and reputable corporate bonds from ₹1,000.Should I pick short-term or long-term bonds first?Short-term bonds offer flexibility and help you understand bonds better, but you can gradually explore longer tenures as you gain comfort.How do I diversify my bond investments?Invest in bonds from various companies and issuers. Diversifying reduces risk by spreading your investment across multiple options. What's bond laddering and how do I do it?Bond laddering means splitting your investment into bonds with different maturity periods. This strategy provides regular payouts and allows you to reinvest frequently, taking advantage of changing interest rates.How do I choose bonds based on ratings?A-rated bonds provide excellent returns. AAA and AA bonds offer maximum safety, while A-rated bonds provide attractive returns and stability. Remember, all bonds on Stable Bonds are regulated.How can I optimize tenure and ratings together?Combining shorter-term bonds with high-return, A-rated bonds and longer-term bonds with AA or AAA can optimize your portfolio and offer a favorable risk-return balance.What if I want to invest long-term?You can achieve a long-term investment strategy by repeatedly investing in short-term bonds. This approach offers flexibility and allows regular reassessment and reinvestment, aligning with your long-term financial goals.What else should I consider when picking bonds?Look at coupon rates, payout frequency, issuer credibility, and maturity duration. Match these features with your financial goals, whether it’s steady income, growth, or liquidity.Do I pay taxes on my bond earnings?Yes. Interest earned from bonds is taxable. Interest income attracts TDS and is added to your overall income and taxed as per your tax slab during filing.What's TDS on bonds, and at what rate?TDS (Tax Deducted at Source) is the tax deducted on your interest payments. TDS on bond interest is generally deducted at 10%.Can I avoid or reduce TDS?Yes! If your total annual income is below the taxable limit, you can submit Form 15G (for individuals below 60) or Form 15H (for senior citizens aged 60 and above) to avoid TDS deduction.How to apply for 15G/H?Post your investment, please drop an email to [email protected] and we’ll help you with the process.Is there TDS on Government bonds like T-bills?Good news—there’s no TDS on Government Treasury Bills (T-Bills).

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© 2025 Stable Broking Pvt Ltd

ISO 27001:2022

Address - Third floor, Block A, Stable Money, Bhive HSR Premium Campus, Krishna Reddy Industrial Area, Kudlu gate,
Bommanahalli, Bangalore, Karnataka, India, 560068



© 2025 Stable Broking Pvt Ltd

ISO 27001:2022

Address - Third floor, Block A, Stable Money, Bhive HSR Premium Campus, Krishna Reddy Industrial Area, Kudlu gate, Bommanahalli, Bangalore, Karnataka, India, 560068