Bondsmart

Bondsmart is a fixed-income investment app focused on listed high-yield corporate bonds in India.

Key functions
• Live catalogue of secured, rated issues with coupon, YTM, tenor, security cover, and payment dates.
• One-click orders via BSE; settlement in your own NSDL/CDSL demat account.
• Portfolio dashboard showing accrued interest, next coupon, and maturity cash-flow timeline.
• Alerts for new issues, coupon credits, rating changes, and maturity proceeds.
• Downloadable tax and holding reports.

Risk controls
• Only SEBI-registered brokers and exchange-listed securities.
• Each bond page displays security structure, covenants, default history, and recovery metrics.

Why high-yield bonds
• Predictable cash flows at attractive coupons.
• Short to medium-term tenors reduce interest-rate risk.
• Diversifies portfolios heavy on equity or low-return deposits.

User modes
• Individual: simplified view, small lots, monthly payout options.
• Advisor: white-label factsheets, consolidated reporting, client tagging.

Onboarding
1. Install app.
2. Complete KYC and link existing demat.
3. Select bond, enter quantity, approve payment (UPI, net-banking, or ASBA).
4. Receive units on allotment; interest accrues automatically.

Compliance
• Full disclosures and term sheets inside each offer.
• SEBI electronic book mechanism and data-privacy compliant.