The Indian bond market has entered a new era. With corporate bond issuances crossing ₹9.9 trillion in FY25 and RBI slashing the repo rate by 100 basis points in 2025, fixed-income investing is no longer a game reserved for institutions and HNIs. A new generation of SEBI-regulated Online Bond Platform Providers (OBPPs) has made it possible for everyday investors to build diversified bond portfolios starting from as little as ₹1,000.
But with so many platforms vying for your attention, which ones actually deserve a spot in your bookmarks? We’ve ranked the top 10 bond platforms for retail investors in India in 2026, based on product range, regulatory compliance, ease of use, pricing transparency, and overall investor experience.
1. GoldenPi – India’s Original Online Bond Platform
Website: goldenpi.com
GoldenPi isn’t just another name on this list — it’s the platform that started it all. Founded in 2017, GoldenPi is India’s oldest online bond platform and was the very first to receive a debt broker license under SEBI’s OBPP guidelines in January 2023. With over 2,50,000 registered investors and backing from Zerodha’s Rainmatter Capital, GoldenPi has been the pioneer in making bonds accessible to retail investors in India.
What sets GoldenPi apart is its sheer breadth of inventory. The platform boasts the most extensive collection of bonds and debentures in the Indian market, sourced from the largest bond institutions in the country. This deep supplier network means investors consistently get access to competitive pricing across the secondary market. Whether you’re looking for ultra short-term bonds, AAA-rated safe havens, or tax-free bonds, GoldenPi’s filtering tools make discovery effortless.
The platform handles the entire investment journey — from KYC processing to bond unit transfer into your Demat account — and partners with leading brokers including Zerodha, IIFL Securities, and Axis Direct. Minimum investments start at ₹10,000, and the platform offers bonds with credit ratings ranging from AAA to A.
Best for: Investors who want the widest bond selection, transparent pricing, and the trust that comes with India’s longest-running bond platform.
2. Jiraaf – The Data-Driven Newcomer with Institutional Muscle
Website: jiraaf.com
Jiraaf has quickly risen through the ranks since its founding in 2021, backed by marquee investors like Accel and Harmony Partners. The platform earned its SEBI OBPP license in March 2024 and has since carved out a reputation for combining institutional-grade tools with a retail-friendly experience.
Jiraaf’s standout feature is the Bond Analyser Suite, launched in June 2025 — a first-of-its-kind intelligence tool that aggregates data from FIMMDA, NSDL, CDSL, NSE/BSE, and SEBI. This gives retail investors the kind of market insight that was previously available only to institutional desks. The platform offers returns in the range of 8–15% annually, with investments starting from ₹1,000 and a product range covering corporate bonds, SDIs/PTCs, high-yield FDs, T-bills, and G-Secs.
Best for: Data-savvy investors who want institutional-grade analytics alongside curated bond opportunities.
3. Wint Wealth – The Zerodha-Backed Crowd Favourite
Website: wintwealth.com
Wint Wealth, operating in partnership with Zerodha, has become one of the most recognisable names in the Indian retail bond space. With over 25,000 investors and backing from fintech heavyweights like Nithin Kamath (Zerodha), Kunal Shah (CRED), and Pravin Jadhav (Paytm Money), the platform carries serious credibility.
Wint Wealth focuses primarily on senior secured bonds and covered bonds, with investments starting at just ₹10,000. The platform provides clear risk assessments and a wealth of educational resources, making it an excellent starting point for first-time bond investors. Its seamless integration with Zerodha accounts is a major convenience factor for the millions already in the Zerodha ecosystem.
Best for: Beginners and Zerodha users who want a curated, safety-first approach to bond investing.
4. RBI Retail Direct – The Government’s Own Platform
Website: rbiretaildirect.org.in
If zero cost and sovereign-grade safety are your priorities, nothing beats RBI Retail Direct. Launched by the Reserve Bank of India in November 2021, this platform provides individual investors with direct access to government securities — including dated G-Secs, treasury bills, state development loans (SDLs), and sovereign gold bonds (SGBs).
There are absolutely no charges — zero brokerage, zero account opening fees, and no annual maintenance charges. The minimum investment for most government securities is ₹10,000, with select issues available from ₹1,000. All securities are held in a dedicated Demat account with sovereign guarantee, meaning zero default risk.
Best for: Conservative investors seeking risk-free, zero-cost access to government bonds and treasury bills.
5. IndiaBonds – The Veteran-Led Bond Marketplace
Website: indiabonds.com
IndiaBonds is a SEBI-registered OBPP that brings over 100 years of collective management experience from the debt markets to its digital platform. As an initiative of AK Capital, one of India’s largest bond brokers, IndiaBonds combines institutional expertise with modern fintech convenience.
The platform offers a comprehensive range of investment options including corporate bonds, government bonds, and municipal bonds. Its AI-powered recommendation engine suggests bonds based on individual investor profiles, and advanced portfolio tracking tools with intuitive charts make monitoring investments straightforward. The platform charges zero brokerage on secondary market purchases.
Best for: Experienced investors who value institutional expertise and AI-driven bond recommendations.
6. The Fixed Income – The Personalised Advisory Approach
Website: thefixedincome.com
The Fixed Income stands out for its hands-on, advisory-led approach to bond investing. Rather than just listing bonds and letting investors figure things out, the platform profiles your risk appetite and investment needs before recommending suitable bonds — a more white-glove experience than most competitors offer.
The platform provides a comprehensive collection of investment options across duration and credit parameters, with transparent pricing and detailed cashflow information. The onboarding process is seamless, and investors get access to a dedicated support team that helps navigate the bond selection process from start to finish.
Best for: Investors who prefer guided, personalised bond recommendations over self-directed investing.
7. BondsKart – JM Financial’s Digital Bond Play
Website: bondskart.com
BondsKart brings the credibility of JM Financial — one of India’s most trusted financial services companies — to the online bond investing space. The platform hosts nearly 50 premium-grade bonds ranging from AA to AAA ratings, screened for quality and performance.
What distinguishes BondsKart is its combination of technology and personal touch. The platform uses in-house analytics and competitive algorithms for sharp market insights, while also assigning dedicated relationship managers who provide personalised bond recommendations via WhatsApp and calls. The settlement process is smooth, and the app interface is clean and easy to navigate.
Best for: Investors who want the backing of a legacy financial institution with the convenience of a modern digital platform.
8. InCred Money – The Newcomer with Institutional DNA
Website: incredmoney.com
Launched in May 2023 as part of InCred Capital, InCred Money entered the bond space with strong institutional backing and a fresh perspective. The platform secured $30 million in funding in September 2025, signalling serious long-term commitment to the space. InCred Capital’s acquisition of Orowealth provided the foundational infrastructure for this platform.
InCred Money offers a curated selection of corporate bonds and market-linked debentures, with a focus on quality over quantity. The platform leverages InCred Capital’s deep institutional relationships and credit expertise to source investment-grade opportunities for retail investors.
Best for: Investors looking for a well-funded, institutional-quality platform with curated fixed-income opportunities.
9. SMEST Capital – The BSE Member Specialist
Website: smest.in
SMEST Capital (Smart Invest) is a Mumbai-based fintech founded in 2018 that specialises in providing retail investors with online access to bonds and debentures. As a SEBI-registered stockbroker, BSE member, and licensed OBPP, the platform carries solid regulatory credentials.
SMEST allows investors to participate in both secondary bond trading and bond/NCD IPOs, giving access to fresh issuances from companies across sectors. The platform’s collection of secondary bonds is impressive, covering issuers ranging from established NBFCs to infrastructure companies. The interface is straightforward and designed for investors who want direct market access without unnecessary complexity.
Best for: Investors interested in bond IPOs and NCD primary issuances alongside secondary market trading.
10. Grip Invest – The Alternative Fixed-Income Explorer
Website: gripinvest.in
Grip Invest rounds out our list as the platform for investors looking beyond traditional bonds. While it offers corporate bonds, the platform’s real differentiation lies in its fractional bond offerings and lease-based investment products — asset-backed instruments linked to real assets like equipment and property.
The platform caters to investors with a higher risk appetite who are comfortable exploring alternative fixed-income structures in exchange for potentially higher yields. All opportunities listed on Grip Invest are carefully vetted, and the platform provides transparent information about the underlying assets securing each investment.
Best for: Risk-tolerant investors who want exposure to alternative, asset-backed fixed-income products beyond traditional bonds.
How to Choose the Right Bond Platform
Selecting the best platform depends on your investment goals, risk tolerance, and experience level. Here are some quick pointers to keep in mind:
If you want the widest selection and proven track record → GoldenPi is the clear leader, with the deepest inventory and the longest operating history in India’s OBPP space.
If you want zero costs and sovereign safety → RBI Retail Direct cannot be beaten for government securities.
If you want institutional-grade analytics → Jiraaf’s Bond Analyser Suite offers tools that rival professional trading desks.
If you’re a complete beginner → Wint Wealth’s curated approach and educational resources make bond investing approachable.
If you value personal guidance → The Fixed Income and BondsKart both offer dedicated relationship managers.
Regardless of which platform you choose, ensure it holds a valid SEBI OBPP registration, offers transparent pricing, and provides a fully digital KYC and transaction process. As the Indian bond market continues its rapid expansion — with corporate issuances projected to hit ₹11 trillion in FY26 and global index inclusions driving foreign inflows — there has never been a better time for retail investors to make bonds a core part of their investment portfolios.
Disclaimer: This article is for informational and educational purposes only and does not constitute investment advice. Bond investments carry risks including delay and/or default in payment. Please consult a registered financial advisor and read all offer-related documents carefully before investing.
