Prime Bonds

Recommendations of government and private bond issuances

Primary issuances of G-Secs/SDLs

These are our past and current recommendations of primary auctions of Government securities (G-Secs), State Development Loans (SDLs) and treasury bills. We issue these recommendations based on the coupon rate the bonds carry, its tenure and the issue size (as it determines liquidity). For SDLs, we additionally consider the fiscal health of the issuing State. We look at the stage of the interest rate cycle as well. These bonds pay interest half yearly and there is no cumulative option.

The objective of these recommendations is to help you lock into good yields in instruments that come with a sovereign guarantee and to ensure a steady source of income. These primary issuances are open for very short periods. We send email alerts when these issues open, which typically occur over weekends. So, ensure that you keep tab of our emails.

Suitability: These bonds are a low-risk guaranteed option, best suited for those looking to set up a steady income. If you do not need an income stream, and you invest in these bonds, reinvest the interest received to ensure wealth building. For those keen on earning high yields by taking higher risk, check the next section - High Risk: Privately placed bonds and secondary issuances.

Current recommendations

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IMPORTANT POINTS TO NOTE:

  1. These calls are not meant to time secondary market purchase of bonds. We may choose to give those calls separately.
  2. Interest on these bonds is fully taxable. However, these bonds do not have TDS.
  3. We encourage you to open an RBI Retail Direct account to buy these bonds. Some bonds will be available with brokerages who make such auctions accessible. But our observation is that not all issuances that are on the RBI Retail Direct platform are available on these brokerages.
  4. RBI Retail Direct has a secondary market trading provision to sell these bonds. However, our calls are meant as ‘buy and hold’ these bonds to generate steady income.
  5. Read more on how to choose bonds in RBI Retail Direct here.

Privately placed bonds and secondary bond issuances

These are our past and current recommendations of privately placed bonds and other secondary issuances. The objective of these recommendations is to provide high yield, high risk options to diversify your debt portfolio. These issuances or sale are meant only for those expressly looking for better-returning, riskier options, and who have a large corpus.

Sale of privately placed bonds may be available for very short periods. We send email alerts when we issue such recommendations. So, ensure that you keep tab of our emails. These bonds have a specific investment process that is explained here – it is necessary to read this before making any investment.

 Suitability: These bonds are meant only for investors who can take risk in debt instruments. These bonds can form part of the high-risk component of your debt portfolio, with risk of loss to capital. These bonds should not be a large part of your portfolio. You will need to have a large corpus to invest in these bonds as the average minimum investment size is typically around Rs 10 lakh. You can use these bonds to generate an additional source of income as they usually carry only interest payout option; else, reinvest in other options, preferably lower-risk.

Invest in these bonds only after exhausting low risk instruments such as deposits or G-Secs, or quality debt funds. Check the accompanying section Low Risk: Primary issuances of G-Secs/SDLs, Prime Deposits and Prime Funds for our recommendations.

Current recommendations

Subscribers only!

PrimeInvestor's recommendations for government and private bonds are available for Prime Growth Subscribers only!


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IMPORTANT POINTS TO NOTE:

  1. Read this article that explains everything about Private Placement bonds before you venture to buy these bonds.
  2. We are offering these recommendations by partnering with PhillipCapital (India) for the execution process. We therefore do not provide any operational support on buying these bonds. Please read the process on how you can buy them.
  3. We do not have any commercial agreement and do not receive any fee or commission from manufacturers or brokers of these bonds. We only research and analyse the bonds to present our views.
  4. These bond calls are meant to be held till maturity. Many of them may not be traded or can be highly illiquid, even if the dealer offers to sell them for you.
  5. Unlisted bonds will suffer TDS of 10% and you can claim the same as credit. You can check for this under Form 26AS.
  6. The interest on these bonds is fully taxable at your slab rate.

Disclaimers

  1. PrimeInvestor has a non-commercial partnership with PhillipCapital (India) specifically for receiving information on bond issuances. 
  2. PrimeInvestor does not receive, directly or indirectly, any commission or any other reimbursement in any form – from any of the parties involved in the issuance. We are not brokers nor distributors. 
  3. PrimeInvestor is not involved in the onboarding process nor in the execution of these transactions and as such is not liable for any acts of commission or omission. We will be unable to respond to any kind of operational queries regarding these transactions. 
  4. Our responsibility is limited to recommending these products based on information available to the best of our knowledge. Despite best effort on due diligence, there is a risk of default in these instruments. 
  5. PrimeInvestor is a SEBI registered Research Analyst (Registration: INH200008653). The content and reports generated by the entity does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation of an offer to buy or sell financial products, units or securities. All content and information are provided on an ‘as is’ basis by PrimeInvestor Financial Research Pvt Ltd. Information herein is believed to be reliable but PrimeInvestor Financial Research Pvt Ltd does not warrant its completeness or accuracy and expressly disclaims all warranties and conditions of any kind, whether express or implied. The services rendered by PrimeInvestor Financial Research Pvt Ltd are on a best-effort basis. PrimeInvestor Financial Research Pvt Ltd does not assure or guarantee the user any minimum or fixed returns. PrimeInvestor Financial Research Pvt Ltd or any of its officers, directors, partners, employees, agents, subsidiaries, affiliates or business associates will not liable for any losses or cost of damage incurred consequent upon relying on investment information, research opinions or advice or any other material/information whatsoever on the web site, reports, emails or notifications issued by PrimeInvestor Financial Research Pvt Ltd or any other agency appointed/authorised by PrimeInvestor Financial Research Pvt Ltd.
  6. Use of the above-said information is at the user’s own risk. The user must make his/her own investment decisions based on his/her specific investment objective and financial position and using such independent advisors as he/she believes necessary. This report is a review of a financial product and should not be construed as advice. Investors would need to take an informed decision about taking on such risk. Such risk is entirely that of the investor. PrimeInvestor absolves itself of any risk of non-payment of interest or principal from the instruments it recommends.

Legal Disclaimer : PrimeInvestor Financial Research Pvt Ltd (with brand name PrimeInvestor) is an independent research entity offering research services on personal finance products to customers. We are a SEBI registered Research Analyst (Registration: INH200008653). The content and reports generated by the entity does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. All content and information are provided on an ‘as is’ basis by PrimeInvestor Financial Research Pvt Ltd. Information herein is believed to be reliable but PrimeInvestor Financial Research Pvt Ltd does not warrant its completeness or accuracy and expressly disclaims all warranties and conditions of any kind, whether express or implied. The services rendered by PrimeInvestor Financial Research Pvt Ltd are on a best-effort basis. PrimeInvestor Financial Research Pvt Ltd does not assure or guarantee the user any minimum or fixed returns. PrimeInvestor Financial Research Pvt Ltd or any of its officers, directors, partners, employees, agents, subsidiaries, affiliates or business associates will not liable for any losses, cost of damage incurred consequent upon relying on investment information, research opinions or advice or any other material/information whatsoever on the web site, reports, mails or notifications issued by PrimeInvestor Financial Research Pvt Ltd or any other agency appointed/authorised by PrimeInvestor Financial Research Pvt Ltd. Use of the above-said information is at the user’s own risk. The user must make his own investment decisions based on his specific investment objective and financial position and using such independent advisors as he believes necessary. All intellectual property rights emerging from this website, blog, and investment solutions are and shall remain with PrimeInvestor Financial Research Pvt Ltd. All material made available is meant for the user’s personal use and such user shall not resell, copy, or redistribute the newsletter or any part of it, or use it for any commercial purpose. PrimeInvestor Financial Research Pvt Ltd, or any of its officers, directors, employees, or subsidiaries have not received any compensation/ benefits whether monetary or in kind, from the AMC, company, government, bank or any other product manufacturer or third party, whose products are the subject of its research or investment information. The performance data quoted represents past performance and does not guarantee future results. Investing in financial products involves risk. Investments are subject to market risk. Please read all related documents carefully. As a condition to accessing the content and website of PrimeInvestor Financial Research Pvt Ltd, you agree to our Terms and Conditions of Use, available here. This service is not directed for access or use by anyone in a country, especially the USA, Canada or the European Union countries, where such use or access is unlawful or which may subject PrimeInvestor Financial Research Pvt Ltd or its affiliates to any registration or licensing requirement.

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