High Quality Corporate Bonds. Start Investing with ₹10,000

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What makes SMEST a preferred investment platform?

Defaults
0 percent
Minimum Investment
10,000 rupees
Investment Options
5,000 crore rupees plus

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  • No KYC Required

  • Pay via UPI

  • Invest as low as 10k

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Smart Invest — Reasons to invest in bonds

  • Why invest in Bonds?

    Investing in bonds provides steady income through fixed interest payments and returns the principal at maturity. Safer than stocks and often offering higher returns than fixed deposits, bonds are ideal for conservative investors or those seeking portfolio diversification.

  • Portfolio Diversification

    Including bonds helps spread risk and balance your investment portfolio.

  • Higher returns than Fixed Deposits

    Bonds often yield better returns compared to fixed deposits.

  • Stable & Regular Income Stream

    Bonds provide consistent interest payments throughout their term.

  • Principal protection

    Bonds return the full principal amount at maturity, safeguarding your initial investment.

  • Highest claim priority

    In case of liquidation, bondholders are prioritized over shareholders for repayment.

  • Lower risk than equity and other volatile assets

    Bonds offer a safer investment option than stocks and other high-risk assets.

Explore the Indian Fixed Income Market and why you should invest in Bonds

  • Welcome to SMEST Capital!

    Welcome to SMEST Capital! Discover how our platform empowers you to invest in bonds with ease and confidence. Join us as we revolutionize the way you grow your wealth in the bond market

  • Investment process on SMEST

    Watch this step-by-step guide on how to invest in bonds through SMEST Capital. Learn how easy and secure it is to grow your wealth with our user-friendly platform. Start your journey to smarter investments today!

  • What are Bonds?

    Curious about bonds? This video explains what bonds are and how they can help you achieve financial growth. Learn the basics and start investing confidently with SMEST Capital

  • Are you a Corporate Bond?

    Explore the world of corporate bonds in this video. Learn about issuance, trading, and settlement processes, and discover how corporate bonds can enhance your investment strategy with SMEST Capital.

  • Say Goodbye to a Red Portfolio. Hello to Corporate Bonds with SMEST

    Turn your red portfolio green with corporate bonds from SMEST Capital. Bonds help you achieve stable returns and reduce risk, making them a smart choice for steady growth

News and Market Update

  • Understanding SEBI's GID, KID, and Disclosure Requirements

    Investing in financial products can be daunting, especially with the regulatory framework constantly evolving. The SEBI has introduced measures to protect investors to ensure transparency in the investment process - GID and KID

  • Listed and Unlisted Bonds

    In this blog, we will explore the characteristics, advantages, and considerations associated with both listed and unlisted Indian bonds.

  • Andhra Pradesh State Beverages Corporation Ltd: Backed by the State, Benefiting You

    What Is Andhra Pradesh State Beverages Corporation Limited? The Andhra Pradesh State Beverages Corporation Limited (APSBCL) is a wholly-owned undertaking of the Government of Andhra Pradesh.

  • Invest in Akara Capital: A Smart Choice for Secure Returns

    Akara Capital Advisors Private Limited (ACAPL) stands out as a reliable and dynamic online lender. Registered with the Reserve Bank of India (RBI) as a non-deposit financial institution

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  • NDTV
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  • Goodreturns
  • CNBC TV18
  • Moneycontrol

Wall of Bonds

Riya Parekh

Riya Parekh

Investing with @SMEST was so seamless that I can't remember the last time I had a hassle-free experience completing the login, KYC, then understanding the prospect of the #bond & lastly #investing with knowing full transparency of its #risks. #CorporateBond#Diversification

Aashish Iyengar

Aashish Iyengar

I have had nothing but the best experiences @SMEST. My initial #bond investments left me with the impression that they genuinely cared about my financial objectives and were committed to assisting me in achieving them. To anybody seeking a top-notch and hassle-free investment experience, I would heartily suggest @SMEST. They really go above and beyond to provide their customers an outstanding experience, and I have no doubt that they will keep outperforming my expectations for years to come.

Radhika Naidu

Radhika Naidu

My impression of @SMEST's knowledge and professionalism in my investment journey with them have been consistently positive. They have an in-depth understanding of the financial markets, and they are always observing trends and looking for fresh chances for growth. Even during times of market instability, this has resulted in excellent returns for my portfolio.

Kishor Sharma

Kishor Sharma

One thing that really impressed me about @SMEST was their personalized approach to investing. They took the time to get to know me and understood my level of risk tolerance before creating a strategy for investing that was specifically tailored to meet my needs. I genuinely felt valued as a client rather than just another number because of the attention and care I received from @SMEST.

Ashaben Dalal

Ashaben Dalal

The transparency and communication of @SMEST is one of the things that really sets them apart. They always keep me informed of current market trends and any lucrative opportunities that arise, and they help simplify complicated concepts for me to easily understand. This has really boosted my faith in their skills and allowed me to make well-informed Bond investing decisions.

Manish Sadiwala

Manish Sadiwala

I really think @SMEST and the best bond investment experience go hand in hand. A one-stop shop for all your bond investments, @SMEST offers everything from safe and secure government securities to high yielding corporate bonds with SDLs, MLDs, SGBs, and many additional types in between. This is where I created my BOND PORTFOLIO, in addition to my regular portfolio.

Manoj Bhojwani

Manoj Bhojwani

With @SMEST, investing is so easy and just takes a few clicks and two minutes! Their deeply researched bonds enabled me to make an informed selection swiftly.

Karuna Samtani

Karuna Samtani

My experience with @SMEST has been really satisfying. I always got the finest deals and returns along the road, so I am certain that my investments are in good hands and will increase in value over time.

Chetan Agarwal

Chetan Agarwal

For a number of years, I have been a client of @SMEST, and I couldn't be more satisfied with the services they provide. Whenever I reached out to my dedicated relationship manager for investments, he was always warm and proactive. It was at this point that I genuinely felt that my money and investments were cared for.

Pradnyapti Mehrotra

Pradnyapti Mehrotra

But @SMEST's dedication to customer service is what really amazes me every time I make an investment. They go above and above to make sure that I am happy with their services and are always prompt in responding to my queries and concerns. I feel like a valued customer because of the outstanding amount of care and attention I have received.

Husseni Mamoowala

Husseni Mamoowala

I am a senior citizen, and it is quite challenging for me when my wants, ideas, and views are not understood the way I would like them to be. I discovered that the relationship manager at @SMEST was quite clear and patient when explaining every detail of investing, and her advice was very practical for my situation and age. She currently oversees my Bond holdings and keeps me informed about the markets.

Vikram Khakhar

Vikram Khakhar

Little message to let everyone know how fantastic the @SMEST is! The simplicity of your website, the effectiveness of your customer service, and the eventual financial success of your counsel are all incredibly impressive. Thank you @SMEST!

Our Team of
Experts

Meet the individuals who make up our esteemed Team of Experts. They are seasoned professionals with a wealth of experience in the fixed income market.

Harsh Punjabee

Harsh Punjabee

Founder & CEO

Frequently Asked Questions

Have more questions? Our team of professionals will clarify all your doubts with transparency and clarity.

Let's chatMail usRead more FAQs

What are Bonds and Debentures?

Bonds are financial instruments — typically a loan made by an investor to a corporation or government — for which investors receive periodic interest payments (monthly, quarterly, semi‑annually, or annually). Each bond is identified by a 12‑character alphanumeric ISIN. Bonds are usually secured.
A debenture is a type of bond or debt instrument that can be secured or unsecured. Unsecured debentures have no collateral backing and rely on the issuer’s creditworthiness.

  • Earn high returns (8% – 13%)

  • Reliable fixed income

  • Diversification

  • Capital preservation

  • Lower risk

You can start investing in bonds for as low as ₹10,000 via RTGS, NEFT, or the payment gateway.
We start with KYC (Know Your Customer). All documents required for the investment are processed by SMEST for a smooth, hassle‑free experience. For bond/debenture purchase, the investment amount is transferred to the clearing corporation’s settlement account (ICCL/NSCCL) held with the Reserve Bank of India via RTGS/NEFT or payment gateway. Bonds are then credited to your demat account.
Indian Clearing Corporation Ltd (ICCL) and National Securities Clearing Corporation Ltd (NSCCL) are SEBI‑regulated clearing corporations that settle trades and eliminate counter‑party risk. It’s advisable to settle trades via ICCL/NSCCL.

NAVIGATING THE INDIAN BONDSPACE

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SMEST CAPITAL PRIVATE LIMITED

Democratizing the Fixed Income Market in India.

5, Prabhat Kunj, 24th Road, Khar W, Mumbai 400 052
SEBI Registration Number: INZ000302039
BSE Member Code 6764
care@smest.in | +91 8879966072

Note to investors:

SMEST CAPITAL PRIVATE LIMITED is a SEBI registered broker under BSE new debt segment allowing investors to trade in secondary bonds & debentures through exchange. SMEST is a start up with a mission to digitize the functions of the Debt Market and educate retail investors to encourage participation.
Investments in fixed income securities are subject to market risk, read all the offer related documents carefully before investing.

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About SMEST

SMEST CAPITAL PRIVATE LIMITED is India's leading Fintech firm, enabling individual investors to invest in Bonds and Debentures online. Bonds are regarded as a reliable form of secondary income, and in some situations, primary income, but over the years, their accessibility has been limited to financial institutions and high-net-worth individuals (HNIs). With SMEST, we are dedicated to making Bonds and Debentures publicly accessible to all retail investors. Through our user-friendly online platform, investors can use this investing opportunity with efficiency.
Let us talk about investing bonds and debentures! First and foremost, what is investing? Investing is the process of purchasing assets with the intention of increasing their value over time and providing returns in the form of income payments or capital gains.

The amount of money you can make by working is virtually always limited. There is just so much money you can put in your firm, how many hours you can work every week, and how much salary raises you can receive. While your income is rather stable, the same cannot be true for your expenses. As you become older, your responsibilities grow, and so does your demand for money. Everything costs money, from purchasing a house to ensuring your children receive the greatest education, from paying for medical crises to planning your retirement, and more. Investing makes sense for this very reason. Investing not only ensures that you have a backup source of income on which to rely, but it also pushes you to set aside a quantity of money on a monthly basis, guaranteeing that you learn financial discipline in the long run!

What Kinds of Investments that you can invest in?

While there are numerous investing options available to you, they may generally be divided into two groups: active investments and passive investments. The former, as the names suggest, demands you to be on the lead, have thorough understanding of market dynamics, and put in time and effort towards the investment; the latter, on the other hand, allows you to invest your money without being too involved in the process. In the case of Passive Investments, buy-and-hold is the preferred method, in which you invest and then hold it for a set period and enjoy the anticipated financial rewards.
Let us take this opportunity to explain two investing possibilities that we believe are both safe, profitable, and, most importantly, passive! You guessed it right if you think like us. We are discussing bonds and debentures. Let us take a closer look at these two investment options.

What are Bonds and Debentures?

There are two types of debt instruments, Bonds and Debentures. All Debentures are Bonds, but not all Bonds are Debentures.
A bond is the most common type of debt instrument issued by the Government, large corporations, or agencies of the Government to raise capital. The borrower uses this money to fund its operations, and investors are entitled to receive interest on their investment.
A debenture is a type of bond or debt instrument that can be secured by collateral or unsecured. In the case of unsecured debentures, which have no collateral backing, investors must rely on the creditworthiness and reputation of the issuer. Debentures are a popular short-term financing option for private enterprises looking to expand their operations or fund prospective projects. They carry a fixed or floating interest rate and the interest rate on unsecured debentures is generally higher than bonds and secured debentures because of the absence of physical assets.

Who Should Invest in Bonds & Debentures?

Bonds are a good option for risk-averse investors. Bonds are seen to be a less risky and safer investment than debentures. Bonds are also a suitable alternative for long-term investments since they provide set principal and interest payments at predetermined intervals. Debentures, however, have the potential to provide investors with larger returns than bonds. Debentures are a viable alternative for short-term investing. It is up to you to determine whether you want to invest in bonds or debentures based on your financial goals after analyzing the advantages and disadvantages of the two.
Note: Before investing, investors should carefully read all the terms and conditions for each instrument and consider the market risks.

What Are the Different Types of Bonds and Debentures in India?

Here is the list of popular Bonds and Debentures available in India.

  • Central Government Bonds
  • State Government Bonds
  • Municipal And Local Authority Bonds
  • Corporate Bonds
  • Public Sector Bonds
  • Tax-free Bonds

What are Corporate Bonds?

Corporate bonds are bonds issued by corporations. Compared to Government bonds (G-sec bonds), corporate bonds generally offer higher yields. Credit rating agencies classify corporate bonds with "A-grade" or higher ratings as safer investment options.

How to Invest in Corporate Bonds?

In India, a Demat Account is required in order to invest in bonds. To access bonds and subsequently invest in them, speak with your broker or bank. The technique is largely manual and takes a long time.
Of course, you can always rely on SMEST for bond investments if you want to have a completely simple and hassle-free online investment experience. SMEST is a stock broker in the debt segment and renowned for its sizable selection of high-quality bond papers, open procedure, and simple online experience. It is important to note that SMEST just serves as a transaction facilitator, works as a broker, and may or may not have bonds or debentures on its books. Our primary goal is to offer clients a smooth and efficient bond investing experience while maintaining transparency and trust.
With us by your side, you can invest in bonds with 3 simple steps –Step 1 : Upload your documents online and complete the KYC.Step 2 : Choose the bonds that match your investment goal.Step 3 : Pay online and receive bond units in your Demat account.Bond investing benefits clients in a variety of ways. Bonds have proven to be a safe investment alternative for clients who are wary of market risk due to the reliability of interest and principal returns.

Features of Corporate Bonds

  • Bonds are known for fixed returns. They are short, medium, and long-term investment tools that entail assured returns, with a low-risk proposition.
  • Bonds offer a legal guarantee wherein the borrower is bound to return the principal amount to the creditors. Moreover, in the event of bankruptcy of the borrower, bondholders precede shareholders in receiving debt repayment.
  • While bonds are low-risk, they also offer lower returns as compared to other risky investment alternatives such as equity mutual funds and direct equity.

Advantages of investing in Bonds?

Investing in bonds can offer several advantages, including:Steady income : Bonds typically provide a fixed income stream in the form of regular interest payments. This can provide a steady source of income for investors.Diversification : Bonds can offer diversification benefits to an investor's portfolio. They can provide a hedge against volatility in the stock market, as bonds generally have a lower level of risk compared to equities.Lower risk : Bonds are generally considered less risky than stocks because they are a debt instrument and the issuer has a legal obligation to pay interest and principal to the bondholder. However, this can vary depending on the creditworthiness of the issuer and other factors.Potential capital appreciation : Although bonds are generally considered a conservative investment, there is still potential for capital appreciation if interest rates decline or if the creditworthiness of the issuer improves.Liquidity : Many bonds are actively traded in the secondary market, providing investors with liquidity and the ability to buy or sell bonds easily.Tax benefits : Depending on the type of bond and the investor's tax situation, investing in bonds can provide tax advantages, such as tax-exempt interest income or the ability to offset capital gains with capital losses.

Is there any Tax advantage to investing in Fixed Income securities?

Yes, there can be tax advantages to investing in certain types of Fixed Income securities, such as Tax‑free Bonds, Municipal Bonds, etc.

Can Fixed Income securities be used as a hedge against inflation?

Yes, some high yielding securities can offer a higher interest rate which can protect your wealth and purchasing power against inflation.

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