Help & FAQs

The Bond Project is a bond data and analytics platform for Indian fixed income. You can discover and screen bonds, track your portfolio, see indicative yields and our proprietary Liquidity Indicator, and route orders to your own broker — all in one place, on a simple subscription.

We are a tool, not a counterparty. We never hold, move, or custody your funds or securities at any point.

We are not a SEBI-registered broker, Online Bond Platform Provider (OBPP), investment adviser, or research analyst. We don't run your KYC, we don't custody funds or securities, and we don't give investment advice or recommendations. Execution, settlement, and KYC all happen at your own broker. See our Disclaimer.

Sign up with Google, an email address and password, or your mobile number with OTP. You get one Bond Project account, and you can connect one or more brokers to it.

Individuals who are 18 or older and resident in India. Full eligibility is in our Terms of Use.

₹50 per month or ₹500 per year, inclusive of applicable taxes. Both plans include the same features.

No. Auto-renewal is off by default — your plan simply expires at the end of the period unless you renew it. If we offer auto-renewal in future, it will be opt-in only.

Cancel anytime from your account settings or by emailing hello@thebondproject.in. You keep access until the end of your current period.

Yes — there's a 7-day, no-questions-asked refund window from the date of payment. After 7 days, subscription fees are non-refundable. Full details are in our Refund & Cancellation Policy.

Email hello@thebondproject.in before raising a dispute with your bank — we'll investigate and sort it out quickly. Payments are processed by Razorpay; we never store your full card details.

No. One subscription covers your single Bond Project account, including all brokers you connect to it.

You connect through secure OAuth on your broker's own login page. We never see or store your broker password. You authorise specific permissions (reading your holdings and placing orders on your instruction), and you can revoke that access at any time from your broker's settings.

Zerodha (Kite) is supported today. We're working on adding more brokers and will notify you as each goes live.

We can only do what you authorise — read your bond holdings and submit orders you initiate. We cannot move money or transfer securities. Your funds and bonds stay in your own demat account with your broker the entire time.

Revoke the connection in your broker's account settings, or disconnect from your Bond Project account. Once revoked, we can no longer access your broker data.

We translate what you enter into the order format your broker needs and submit it to your broker. Your broker handles execution, settlement, and custody — the bonds settle into your own demat account.

That happens at the broker/exchange end — for reasons like market or RFQ-platform rules, lot or tick-size limits, margin, or timing. Raise any execution, settlement, or charges issue with your broker first, including via their grievance process and the SEBI SCORES portal.

Your broker's brokerage and statutory charges apply, per their terms — we don't add any transaction fee. Our only charge is your subscription. Contract notes, ledgers, and statements are issued by your broker, not by us.

Yield to Maturity is the annualised return you'd earn if you bought at the shown price and held the bond to maturity, assuming its scheduled cash flows. It's indicative and pre-tax — your actual return depends on the price you actually transact at, taxes, issuer actions, reinvestment, and timing. See How we calculate yields.

It's our proprietary view of how actively a bond has traded recently, based on observed historical data. It is not a prediction or guarantee of future liquidity, doesn't account for transaction costs or slippage, and isn't investment advice — treat it as one input among many.

Estimated coupon income over the next 12 months, and the schedule of future coupon and principal payments, derived from offer documents and your current holdings. They're for tracking only — actual amounts can change due to tax, issuer actions, or changes to your holdings.

Common reasons: taxes (TDS, capital gains), issuer actions (call, put, default, rating downgrade), corporate actions, rounding and day-count conventions, and the timing of when figures were computed versus when you receive cash.

Our data combines public sources, third-party data, and our own computations. It may be delayed, indicative, or incomplete. Always verify anything that affects a decision against your demat statement, broker contract notes, and the issuer's offer document before transacting.

Once you connect your broker, we read your bond holdings and show your portfolio value, scheduled cash flows, indicative annual coupon, and portfolio yield — in one view, alongside analytics.

It's the blended annualised return across your holdings, computed from your invested amounts and each bond's cash flows (both received and expected). It's indicative — see How we calculate yields.

Differences come from the timing of the data fetch, pricing sources, rounding, and reference-data differences. Your broker statement is always the source of truth for your holdings.

Save bonds you want to follow to a watchlist, and set alerts to be notified about relevant changes. Alerts are purely informational (for example, "indicative YTM of a bond is now X — verify before transacting"). They are not advice or a recommendation to buy or sell.

Data is encrypted in transit, your broker is connected via OAuth (so we never receive your broker password), and your application data is hosted in India. Full details are in our Privacy Policy.

Use your account settings or email rubin@thebondproject.in. Our Privacy Policy explains what we retain and for how long.

We only contact you from email addresses ending in @thebondproject.in and through the platform itself. We will never ask for your broker password, an OTP, or a payment to a personal bank account, UPI ID, or wallet. Report anything suspicious to rubin@thebondproject.in.

We compute yield as the bond's XIRR — the internal rate of return: the single annualised rate at which the present value of all the bond's contractual cash flows equals its price. We solve it numerically (Newton-Raphson) and discount cash flows on an actual/365-day basis from the relevant date.

The bond's scheduled coupons and its principal redemption, from our cash-flow data. Coupon eligibility follows the record/ex-date, and we use the bond's actual redemption amount rather than assuming a face value.

For bonds maturing in less than a year, we show the absolute (non-annualised) return over the remaining period, so a very short tenure isn't displayed as a misleadingly large annualised number.

The same XIRR method, applied across all your holdings together: your invested outflows plus each bond's realised (past, eligible) and expected (future) inflows are combined into one return.

An SGB's redemption is linked to the gold price at maturity, so its yield and maturity value are estimates that move with gold prices — they are not fixed.

All yields are indicative and pre-tax. Your realised yield will differ based on the price you actually transact at, taxes (TDS, capital gains), issuer actions, the rate at which you can reinvest coupons, and timing. These figures are analytical inputs, not investment advice or assured returns. Always verify against the offer document and your broker statement before transacting.

As a general guide: interest/coupon income is taxable as per your income-tax slab, and TDS may apply on certain bonds. Gains on sale or redemption are subject to capital gains tax, which depends on the instrument and your holding period. Tax rules change and vary by instrument.

The Bond Project does not deduct TDS — we don't pay you coupons; your issuer (and broker) handle that.

No. Our figures are pre-tax and general in nature. Please consult a qualified tax adviser for advice on your specific situation.