For individual investors
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So you can live the life you’re working to afford
With Aspero, you can invest in bonds across various risk profiles and earn steady returns upto 14%
Build a financial cushion for your portfolio amidst market downturns with stable, predictable returns that beat inflation
Whether you’re saving up to buy your dream car or building a nest for retirement, with fixed income, no financial goal is too far fetched to achieve.
What makes this bond a smart pick?
Arman Financial Services has an established track record with over 29 years of experience in the financing business. The company has successfully operated through various business cycles and was the first in India to obtain the "NBFC-MFI" license for its subsidiary, Namra Finance Ltd, in 2013.
Over the years, Arman Financial Services has experienced significant growth in its scale of operations. Its AUM has risen from INR 181.93 crores in March 2017 to INR 1,233.13 crores in March 2022. The company has expanded its branch network and diversified its portfolio, resulting in reduced concentration of AUM in Gujarat.
Arman Financial Services maintains an adequate capital structure with a strong resource-raising ability. The company has a capital adequacy ratio of 29.10% as of March 31, 2022, and has established relationships with approximately 30 lenders.
Group Chief Architect
I wanted to diversify my investment portfolio with something that offered better returns than FD but maintained the same risk and hence wanted to invest in Fixed Income. Aspero made it easy to discover and transact in Bonds. Recent addition of SBG was quite nice and helped me buy some virtual Gold at the click of a button on the app.
I had some excess liquidity and was looking to park some funds for a couple of years and that's when I came across Aspero a few months ago. The investment experience through the platform has been absolutely seamless! They have a great collection of options available to invest in and provide detailed information about each of the assets which makes it easy to evaluate the papers even for someone like me who's new to bonds. Have found these to be a great alternative to FDs and Debt mutual funds considering they offer higher returns for similar risk and are a must-have asset to have to achieve your big and small financial goals.
In the last 5 years as my kids grew up and expenses grew, I have looked for stable options like MFs, FDs, PPFs, and RDs but the returns here are lesser than share market. Aspero introduced me to corporate bonds providing a perfect mix of stability and returns. The process of investing on the app is convenient, providing all the essential bond details, issuer ratings, and some practical insights. My experience has been positive, and it's made me realize that bonds can be a path to financial freedom.
I have been an equity / MF investor since the early days. Wanted to diversify my portfolio considering long-term goals towards financial independence, and reduce the inherent risks associated with a 100% equity portfolio. Since debt mutual funds displayed single-digit returns, decided to enter fixed-income instruments. I invested through Aspero as it is easy - simple steps for onboarding, identifying opportunities across different categories, and executing orders. Also, few opportunities displayed were yielding slightly higher returns than other similar options
Happy to have chosen Aspero for my foray into the bonds market. I was keenly looking at avenues which generate good enough returns to beat inflation but at the same time reduce the need for constant market monitoring and give me more peace of mind. And Bonds just did that. Additionally, everything from signing up to KYC to transacting was a breeze and seamless. I love the way the platform integrates content related to bonds which is of immense help for first-time investors. Highly recommended!
I am an active investor but I reached a point in my career, where I wanted to take minimal risks but get higher returns, at least more than an FD. I, fortunately, found Aspero. The videos and tutorials introduced me to the world of Corporate Bonds and I instantly knew I found the assets I were looking for. There are a plethora of options on Aspero based on risk, investment value, and rating and it seamlessly allows you to invest in a matter of seconds. Great going, team Yubi!
VP, Financial Services
With a substantial part of my investment portfolio heavily invested in equities, I felt the need to diversify. While fixed deposits (FDs) are known for their safety, I needed higher returns. My discovery of Aspero was a game-changer. Corporate bonds on the platform offered surprisingly attractive yields. What truly impressed me was the user-friendly platform for investing in bonds, providing a clear and predictable timeline for returns. Aspero has brought peace of mind and transparency to my investment journey. I look forward to investing more in their latest issuances.
For me, bonds have been a safer option compared to stocks or mutual funds. FD is always a safer bet, but the interest rate and the lock-in period handicapped my investments. I still believe in investing in an FD, but I also don't want to put all my eggs in one basket. Initially, when I went in for mutual funds, it was great, but for almost a year, I did not have any substantial growth in my fund. Even with a direct stock portfolio, it needed a lot of time investment, which I couldn't give. So considering the time factor, the risk factor, and the lock-in period, I felt bonds were a safer, less risky bet. And having interest from bonds every month or quarterly is a breather because, in a short period, there is the satisfaction of interest.
Get answers to the most frequently asked questions by retail investors
To begin investing in Bonds on Aspero, follow these steps:
Step 1: Create an Account on Aspero
Step 2: Complete your KYC verification
Step 3: Search for bonds using ISIN or name
Choose the Bonds from one of the many categories listed on the platform. e.g. for High Yield, Short Tenure, Highly Rated & Budget bonds etc displayed for your convenience.
Step 4: You can also filter bonds on the basis of Tenure, Rating, Coupon Rate, Yield Rate & Maturity
Step 5: View bond details
Step 6: Click on “Invest Now” to purchase Bonds
Yes, as per government regulations, it is mandatory to complete your KYC verification to start investing. You are required to share your Full Name, Email ID, PAN card, Address Proof, Banks Details, and Demat Details to be eligible to invest.
You can simply log in to the platform with your phone number, verified by OTP. To begin investing, please upload the following:
Address Proof (Voter ID/Passport/Driver’s License)
A cancelled cheque/bank statement to verify bank account number & IFSC code
Client Master Report to verify your Demat account
A Client Master Report (CMR) is a digitally signed PDF certificate issued by a broker to a client. It contains information about your demat account, such as your demat ID, date of birth, bank information, and nomination information, amonother things. The CMR will be sent to your registered email address by your Demat provider or can be accessed from the Document/Report section on your respective broker platform like Zerodha, Groww or ICICI Securities