Invest in Corporate Bonds
Earn Fixed Returns up to 14% p.a.*
Lock in attractive corporate bond interest rates, diversify your portfolio, and earn predictable fixed income from top-rated Indian companies.
Explore Bonds*T&Cs Apply
*T&Cs Apply
What are Corporate Bonds?
Corporate bonds are debt securities that private and public companies issue to raise capital for expansion, infrastructure, or operational needs. When you invest in corporate bonds, you lend money to the issuing company for a set period of time. In return, the company pays you periodic interest (coupon) and returns your principal amount at maturity.
For retail investors looking beyond traditional fixed deposits, corporate bonds in India offer a transparent way to secure higher fixed returns with institutional-grade credit risk assessments.
Tenure
12 to 36 Months
IRR
8 percent to 14 percent
Features of Corporate Bonds
Fixed & Known Returns
Bonds generally lock in a predetermined coupon rate and repayment schedule upfront
Independent Credit Ratings
Evaluated by SEBI-registered rating agencies (CRISIL, ICRA, CARE) to assess the issuer’s creditworthiness
Flexible Payout Frequencies
Corporate bonds offer regular interest payouts (monthly, quarterly, semi-annually, or annually) or choose cumulative growth
Secondary Market Liquidity
They are traded on major stock exchanges (NSE/BSE), allowing you the flexibility to buy or sell prior to maturity
Defined Tenures
Options exist ranging from short-term (6–12 months) to medium-and-long term (2–10+ years) to match your timeline
Example
Suppose a SEBI-regulated, AA-rated company issues a 2-year corporate bond with a 10% annual coupon rate paid quarterly. If you purchase 10 units at ₹10,000 each (total ₹1,00,000 investment), you will receive ₹2,500 every quarter as fixed income. At the end of 24 months, your initial principal of ₹1,00,000 is also repaid in full.
Why invest in
Listed Corporate Bonds?
Earn potentially higher returns with a better risk-reward balance.
Regular Income
Know exact interest payment dates and amounts in advance, making cash flow planning straightforward.
Asset-Backed Security
Many listed corporate bonds feature asset coverage, hypothecation, or corporate guarantees to protect debt obligations.
Portfolio Stabilization
Balance equity market volatility with non-market-linked fixed income instruments.
Capital Preservation
Focus on preserving capital while receiving steady income through credit-vetted issuers.
Competitive Yield Potential
Secure attractive fixed rates relative to conventional savings options.
Secondary Market Exit Options
Listed corporate bonds offer flexibility to trade on exchanges before maturity if liquidity needs arise.
Who Can Invest in Corporate Bonds?
Capital Preservation Seekers
Investors prioritizing principal safety and fixed cash flows over stock market speculation
Regular Passive Income Earners
Retirees, freelancers, or professionals looking for structured monthly or quarterly payouts
Retail Individual Investors
Any Indian citizen (over 18 years) with a valid PAN, bank account, and active Demat account.
Goal-Based Horizon Planners
Investors saving for specific time-based goals (e.g., house down payment, education, or major purchases)
High-Net-Worth Individuals
Investors looking for debt allocation to optimize yield and risk balance
Equity Investors Seeking Diversification
Individuals wanting to reduce overall portfolio beta and cushion against equity risks
How to Invest in Corporate Bonds?
01
Sign Up & Complete Paperless KYC
Create your account on the Jiraaf platform or mobile app. Complete instant digital KYC using your PAN, Aadhaar, bank details, and Demat account number.
02
Explore & Select Corporate Bonds
Browse live, risk-assessed bond listings. Review issuer balance sheets, credit ratings, cash flows, tenures, and coupon payout schedules to pick the bond that fits your goals.
03
Pay Online & Receive Corporate Bonds in Demat
Pay securely via UPI or Net Banking. Once settled, your purchased bond units are credited directly to your Demat account (NSDL/CDSL).
Why Choose Us?
SEBI-Registered OBPP
Jiraaf is a SEBI-regulated Online Bond Platform Provider (OBPP) and registered broker operating under strict regulatory oversight
Wide Selection of Bonds
Access various corporate bonds in India, handpicked and rigorously vetted by market analysts
Institutional-Grade Due Diligence
Every opportunity undergoes rigorous multi-tier risk assessment, evaluating financial strength, promoter credibility, and debt coverage covenants
Accessible Entry Points
Start investing in curated corporate debt with low minimum investment thresholds (starting from ₹1,000 to ₹10,000 on select issues)
Zero Hidden Fees
Complete pricing transparency with zero hidden charges on your bond purchases
Dedicated Relationship Management
Access human expertise and dedicated Relationship Managers (RMs) to guide your investment journey
FAQs
A corporate bond is a debt instrument issued by private or public corporations to raise capital for business expansion, capital expenditure, or refinancing debt. When investing in a corporate bond, you lend capital to the company. In exchange, the issuer commits to paying you regular interest payments at a fixed or floating rate, known as the coupon rate. At the end of the bond's specified term (maturity date), the company returns your original principal amount in full.
Yes, investing in corporate bonds is an excellent option for investors seeking higher returns than traditional bank deposits while maintaining lower risk than equity markets. They provide a predictable stream of fixed returns, helping you earn profits while stabilizing portfolio volatility. By choosing top-rated bonds from reputable companies, you can balance corporate bond interest rates with manageable risk, making them an ideal component for medium-to-long-term wealth preservation and steady cash flow generation.
Determining the best corporate bonds in India depends on your risk tolerance, investment horizon, and target return. Generally, AAA-rated and AA+-rated bonds issued by financially robust corporate houses, public sector units, or leading Non-Banking Financial Companies (NBFCs) offer the optimal balance of high safety and attractive yields. You should also review the issuer’s financial health, credit rating history, coupon frequency, and liquidity on stock exchanges before choosing the bond that aligns with your specific financial strategy.
No financial instrument is entirely risk-free. While corporate bonds are generally safer than equities, they carry inherent risks, including credit risk (the issuer defaulting on payments), interest rate risk, and liquidity risk, among others. However, you can significantly mitigate these risks by focusing on high-grade bonds rated AAA or AA by SEBI-registered rating agencies. Diversifying across different companies and sectors further reduces potential default risk, ensuring your capital remains well-protected while earning reliable returns.