Retail

A well-regulated and organised market helps in creating an ecosystem of trust, confidence, diversity and growth in terms of participants and business. It creates a win-win situation for all those who are associated with the sector. To realise such an ecosystem, the Securities and Exchange Board of India (SEBI) has come out with a series of circulars and consultation papers in order to create and develop a robust, vibrant bond market for retail investors.

 
 
 
 
 
If you want to invest Rs10 lakh and above in a fixed-income product, consider Sovereign bonds and listed corporate bonds.

If you have an investment plan of Rs10 lakh or more in fixed income, corporate bonds are also a great option for you. Many of the new bonds even offer you a higher rate of interest as compared to fixed deposits, postal savings or similar investments. Many of these bonds are listed on the BSE (Bombay Stock Exchange) and the NSE (National Stock Exchange) and can be bought through stockbrokers who have a presence in the debt segment, who immediately transfer them into your demat account.
Since these instruments are listed, you need not be stuck with them; you can sell them in the secondary market before maturity.

Investors can also acquire government securities through two main channels: the primary market and the secondary market. However, individual (retail) investors often do not have the same access to securities as institutional investors because they have smaller amounts to invest. Retail investors typically acquire securities in the secondary market. They have access to government securities through financial intermediaries or through collective investment vehicles such as mutual funds or pension fund.