Prime bond recommendation: a high-yielding bond for 2-3 year time frame
We are adding this secured, listed NCD with attractive yields that compensate for the risk which is also mitigated by other factors.
Vidya Bala
Vidya Bala is a co-founder of PrimeInvestor. Vidya helped build one of the country’s earliest robo-advisory solutions in the country in her earlier role at FundsIndia. A Chartered Accountant by qualification, she has more than 18 years of experience, of which over 15 were spent analyzing the markets. LinkedIn | Twitter
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12 thoughts on “Prime bond recommendation: a high-yielding bond for 2-3 year time frame”
Hello – is there a view on the SBI perpertual bonds. I see that Prime bonds lists Indus Ind bank Perpetual bonds. Would a credit rating of SBI score over the Credit Access Grameen and Indus Ind Bank?
Sorry we missed this. Please write to us through ‘contact us’ for specific queries.Blog is more for comments/discussions. We don’t any current IndusInd Bank bond call (it was an earlier one). You can certainly go for SBI bonds if the yield is good and there is a call option in 2-3 years. Vidya
maturity date / call date in dashboard is seems to be incorrect- 07-Jun-2025 (Maturity). suppose to be 07June 26. please clarify.
Hello Sir, Do you mean the table? It is mentioned as June 2026 in the table. The other one is maturing Sep-25.
In recommendations sections, first recommendation maturity date.suppose to be 07June 26
Got it sir. Thank you for pointing it out. Corrected. Vidya
Hi Mam,
Our govt. borrows approximately through bond $15 billon.
As per the news about inclusion of #JBMorgan’s global bond index inflow approx. $2 to $2.5 billion per month.
Demand around 15% . Long duration debt funds (10yr constant) makes sense?
Thank you,
Vijay
We have already given calls on long duration. But don’t try to use it for short-term goals. Vidya
I am a little confused; can you please clarify this? Person A is falling into the 30% tax bracket; if A sells the bond after holding it for more than a year, he will be taxed at 10% instead of 30%, which means investing in bonds is far better than investing in debt mutual funds. Because now debt funds don’t have indexation benefits, even holding them for a long time will invite 30% tax for Person A. Please clarify this for me.
Just a clarification – LTCG from mutual funds will be taxed at our slab rate – not flat 30%. On the merits of MFs, – you cannot keep changing duration and keep buying and selling bonds to achieve a diversified portfolio. Capital gain appreciation is easier done with MFs while for retail investors bonds serve as an income source unless one knows when to buy and sell bonds like a fund manager. thanks, Vidya
Would it have been better to purchase directly during NFO in Aug 2023, which would have given investor flexibility to invest in lower multiples (rs. 10,000) as well as option of investing in cumulative or annual interest payout options?
(Also, no brokerage/commission /middleman involvement)
Yes, primary offer was good. The day we were planning to publish, it was already oversubscribed 🙂 So it was pointless. And yield has hardly changed so nothing lost…..plus there is no brokerage like your brokerage account brokerage in the bond platforms…yes indeed, it is indirectly built in the yield.
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