GoldenPi

GoldenPi GoldenPi is SEBI registered Debt broker offering a vast collection of Fixed Income Investment Options. https://lnk.bio/GoldenPi

GoldenPi is India's #1 online marketplace offering the largest collection of bonds and NCDs for a safe investment choice. Our vision is to build the largest online distribution network for Bonds and Debentures in India with easy, quick and completely hassle free investment experience.

28/08/2026

Day 18 of 30: Your bond earns 12%. Inflation is 5%. So… are you really earning 12%? 👀

This is where nominal return vs real return comes in.

Let’s say you invest in a bond and earn 12%.

At the same time, inflation is 5%.

You still receive the interest as per the bond’s terms. But inflation means the things you buy have become more expensive — so the money you earn doesn’t have the same purchasing power as before.

In simple terms:

12% return − 5% inflation ≈ 7% real return

The exact real return is slightly different when calculated mathematically, but the simple idea is this:

Your return tells you how much your money grows.
Inflation tells you how much purchasing power that growth actually adds.

And that’s why looking at returns alone isn’t always enough. You also need to ask:

“What can my money actually buy after inflation?”

👉 Watch the video to see how inflation takes its “bite” out of your returns. 😄

This content is for educational purposes only and should not be considered investment advice. The returns and inflation figures used are for illustration purposes only. Actual returns, inflation and purchasing power may vary. Please do your own research and consult a qualified financial advisor before making any investment decision.

27/08/2026

What does it take to build the next phase of a lending business?

We sat down with Mr. Mathews, CEO of Muthoot Capital Services, for a candid conversation on the decisions shaping the company’s next phase.

From expanding beyond two-wheelers to cars and commercial vehicles, to moving away from co-lending, an AA- credit rating, AI, public deposits and the ambition to scale AUM — there’s a lot to unpack.

This is Industry Speak #30.

Here’s a glimpse of the conversation.

The full episode is out on GoldenPi Youtube Channel.

27/08/2026

Day 17 of 30: What happens if interest rates rise after you invest?

You invest in a bond offering 10%.

A few months later, interest rates rise — and new bonds are now offering 11%.

So what happens to your 10% bond?

Here’s the simple answer:

When newer bonds start offering higher returns, your existing 10% bond can become less attractive to new investors. As a result, its market price may fall.

But does that mean you’ve lost money?

Not necessarily. It depends on what you do with the bond.

If you sell before maturity

If you decide to sell your bond in the secondary market, you may have to sell it at a lower market price because newer bonds are offering higher returns.

So, you could make a loss compared with what you originally paid.

If you hold until maturity

If you continue holding the bond until maturity, a rise in market interest rates does not by itself change the coupon or maturity terms you agreed to when you invested, assuming the issuer makes the payments as promised.

So, your bond’s market price can move, while the agreed coupon and maturity terms remain unchanged.

The simple takeaway

Interest rates ↑ → Existing bond prices can ↓

But a fall in market price doesn’t automatically mean you’ve lost money.

Sell before maturity → Market price matters
Hold until maturity → The bond’s agreed terms continue to apply, subject to the issuer meeting its obligations

👉 Save this — it’s one of the most important concepts to understand before investing in bonds.

This content is for educational purposes only and should not be considered investment advice. Please do your own research and understand the risks before making any investment decision.

26/08/2026

Day 16 of 30: Ever wondered what actually happens between your bond's interest due date and it hitting your account? Here's the full trail 👇

Most investors just wait for the notification. But there's a real process happening behind that one payment — here's exactly how it works.

Step 1: It starts with the company
15 days before your bond's interest is due, the process kicks off.

Step 2: The RTA takes over
The Registrar and Transfer Agent (RTA) fetches your holding details from NSDL and CDSL — confirming exactly who holds the bond, and how much.

Step 3: The computation
Using that data, the RTA calculates the exact interest payment owed to each investor.

Step 4: It reaches your bank
The amount is credited directly to your bank account — specifically, the one linked to your demat account.

The detail most people miss:
Your payout goes to the bank account linked to your demat — where your bond units are actually held. Not necessarily the account you used to make the payment. If those two accounts are different, your interest lands in the demat-linked one, not the payment one.

On tax:
TDS is usually deducted before the amount reaches you, so what's credited may be slightly less than the full interest — that's normal, not an error. If your income is below the taxable limit, you can avoid this deduction entirely by filing Form 121 in advance. We covered exactly how to do that on Day 4 — check it out if you haven't.

Bottom line: Company → RTA → Computation → Your demat-linked bank account. That's the real journey your interest travels before it reaches you.

25/08/2026

Day 15 of 30: FD or Bonds — which one is right for you? 👀

Both offer fixed-income returns, but they work quite differently.

Here’s the comparison:

1. Returns
Bank FDs currently offer around 7%, depending on the bank and tenure.
Bonds can offer a wider range of yields, depending on the issuer and credit rating.

2. Safety
Bank FDs are covered by DICGC insurance up to ₹5 lakh per depositor per bank, subject to applicable conditions.
Bonds can be secured or unsecured, depending on the specific bond.

3. Liquidity
Need your money before the FD matures? You can usually withdraw it early, but there may be a penalty or reduced interest.
Bonds can be sold in the secondary market before maturity, but the price you receive depends on market conditions and buyer demand.

4. Who issues them?
FDs are offered by banks and certain NBFCs.
Bonds can be issued by governments and companies.

So, FD vs Bonds isn’t about which one is better.

It’s about what you’re looking for — safety, liquidity, return, tenure and your risk appetite.

👉 Watch the video for the full comparison and save it for later.

This content is for educational purposes only and should not be considered investment advice. Returns mentioned are approximate and subject to change. Please do your own research before making any financial decision.

24/08/2026

Day 14 of 30: Are BBB-rated bonds safe? Or should you only invest in A-rated and above? 👀

A higher credit rating doesn’t automatically make a bond “right” for everyone.

So, where does BBB stand?

BBB-rated bonds are still investment-grade, but they carry a higher level of credit risk compared with higher-rated bonds.

So why do some investors consider them?

Because higher risk can come with a higher yield.

Some investors may prefer A-rated and above bonds for relatively lower credit risk. Others may consider BBB-rated bonds when the potential yield fits their risk appetite.

The important part isn’t simply choosing A or BBB.

It’s understanding the risk, return and your own comfort level before investing.

👉 We explained the complete AAA-to-BBB rating scale in Day 3. Go check it out if you haven’t.

This content is for educational purposes only and should not be considered investment advice. Please do your own research before making any financial decision.

23/08/2026

Day 13 of 30: Who regulates bonds in India? And are they legally approved? 👀

Before investing in a bond, one basic question matters:
Who is regulating it?

For listed corporate bonds in India, SEBI plays an important regulatory role.

Here’s what that means:

🔹 Disclosure requirements
Listed bonds have to follow applicable disclosure requirements, so investors can access important information before making an investment decision.

🔹 Credit rating agencies
SEBI regulates credit rating agencies such as CRISIL and ICRA, which assess the creditworthiness of bond issuers and assign ratings.

🔹 Listing & compliance
Listed bonds have to meet applicable regulatory and listing requirements, giving investors a structured framework to evaluate the investment.

But remember — regulated does not mean risk-free. Regulation provides a framework and disclosures; it does not guarantee repayment or returns.

👉 Watch the video to understand what regulation actually means when you invest in a bond.

This content is for educational purposes only and should not be considered investment advice. Please do your own research and read the relevant offer documents before making any financial decision.

22/08/2026

Day 12 of 30: So, what actually happens when you invest in a bond? 👇

Think of the bond market as a simple journey for your money.

1. You → Company
A company needs money to grow, expand or meet its funding requirements. It issues bonds to raise that money. When you buy a bond, you are lending money to the company.

2. Company → You
In return for your money, the company pays you interest as per the terms of the bond. This is your income from the investment.

3. What if you need your money before maturity?
You don’t necessarily have to wait. A bond can be sold to another investor in the secondary market, subject to there being a buyer and applicable market conditions. The price you receive may be higher or lower than what you originally paid.

4. What happens at maturity?
If you continue holding the bond until maturity, the principal amount is repaid to you, as per the terms of the bond.

So the journey is simple:

Your money → Company → Interest payments → Principal back at maturity

Or, if you sell early:

Your money → Company → Bond → Another investor → You

That’s the bond market from an investor’s side — you lend, you earn interest, and eventually you get your principal back, subject to the terms of the bond.

👉 Save this if you’re new to bonds.

This content is for educational purposes only and should not be considered investment advice. Please do your own research before making any financial decision.

21/08/2026

Day 11 of 30: Why do companies issue bonds? 🤔

If a company can borrow from a bank, why would it issue bonds instead?

Here are 3 key reasons:

1. Potentially lower cost of borrowing
When companies issue bonds directly to investors, they can raise money without relying entirely on bank lending. For companies with strong credit profiles, this can sometimes be a more cost-effective way to raise funds.

2. More flexibility in how they use the money
Bank loans can come with conditions and restrictions on how a company operates or uses additional debt. Bonds can offer companies more flexibility, depending on the terms of the issue.

3. Access to a larger pool of capital
With a bank loan, the company is mainly dependent on one or a few lenders. With bonds, it can raise money from a much wider pool of investors, potentially allowing it to raise larger amounts of capital.

In simple terms:
A bank is one source of funding. A bond allows a company to raise money from many investors at once.

👉 Watch the video for the full explanation.

This content is for educational purposes only. Please do your own research before making any financial decision.

20/08/2026

Day 10 of 30: Can you start investing with a small amount? 👀

“Are there any hidden charges?”
“And do I need a big amount to start investing?”

Let’s clear that up.

At GoldenPi, there are no brokerage charges on bond investments.

And you don’t necessarily need a large amount to get started:

→ Bonds: Starting from ₹10,000
→ FDs: Starting from ₹1,000

In today’s video, Abhijit explains the charges and minimum investment amounts in a simple way.

This content is for educational purposes only and should not be considered investment advice. Please do your own research before making any financial decision.

For more details, visit: www.goldenpi.com

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Indiqube Orion, Sy. No. 55/11B And 55/13, 24th Main Road, HSR Layout
Bangalore
560102

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