Bond goal planner
Tell us your goal. We find the listed bonds that literally match it, split your budget across them, and project the basket against a same-tenure bank FD. You buy each bond on its platform - your money never moves through us.
| Bond | YTM | Qty | Allocation | In portfolio |
|---|---|---|---|---|
| Uncheck a bond or change its quantity - everything updates. | Total ₹0 | |||
How to pick the right bond
Six steps to a good bond pick. The planner already does most of them: it starts from your goal, compares returns, and spreads your money across bonds - with each bond's rating and tenure shown in the table above. Your only homework: confirm the payout terms on the platform before you buy.
Define your goal
- Lump sum to invest, a target amount, or monthly income?
- Short term (1-3 yrs) or long (3+ yrs)?
- The three modes above map to exactly these goals.
Clear goal = right bond choice
Check credit quality
- Prefer AAA / AA rated bonds for safety.
- Ratings come from CRISIL, ICRA, CARE.
- See ratings explained for the full scale.
Higher rating, lower risk
Compare returns
- Look at YTM, not the coupon sticker.
- Higher YTM means better returns for the same risk.
- The basket above already sorts matches by YTM.
More return for the same risk
Check tenure & liquidity
- Match maturity to when you need the money.
- Shorter tenure = easier exit.
- Listed bonds can be sold on-exchange before maturity.
Right tenure, better flexibility
Review the terms
- Interest payout - monthly, quarterly or annual?
- Minimum investment per bond.
- Interest is taxed at your slab rate.
Terms impact your actual returns
Diversify wisely
- Never put everything on one issuer or sector.
- Spread across issuers, ratings and tenures.
- The planner splits your budget across bonds automatically.
Diversification reduces risk
RightBonds is informational only and does not constitute investment advice. This tool applies your own goal to public listings; it does not recommend securities. Verify every detail with the platform and the issuer's offer document before investing. You buy each bond yourself on its platform. The projection grows your budget at the invested-weighted YTM of the bonds you keep - it assumes coupon reinvestment at the same rate and ignores taxes, fees, and credit risk. The bank-FD comparison puts the same principal in an FD of the same tenure, at SBI card rates (average of general and senior-citizen). It is an illustration, not a guarantee.