During COVID, I had time at hand. Since I was just beginning my investment journey then, I started exploring and came across bond investing platforms like Grip and Wint. I had always been attracted to them but never invested because there was a lack of real, first-hand reviews.
Slowly, I gathered the courage to start investing on my own in small amounts across different platforms and have been sharing my experiences as I go.
This is my complete review of investing with Wint Wealth. I invested ₹1,99,289 across two bonds and received ₹2,16,612, achieving a 10.53% YTM with zero delays. But there’s a lot that marketing brochures won’t tell you.
Quick Summary
- Platform:Â Wint Wealth (SEBI-registered OBPP)
- Investment: ₹1,99,289 across 2 Navi Finserv bonds
- Returns: ₹2,16,612 (10.53% YTM)
- Experience:Â Zero delays, all payments on time
- Best for: Beginners seeking safe entry into bonds (9–11% returns)
- Trade-off:Â Lower XIRR compared to other platforms, but higher comfort and safety
About Me
I’m not a finance expert or guru. I’m naturally attracted to fixed-income products like bonds and invoice discounting because of their low volatility and predictability.
We are a family of four—my parents, my wife, and me—and I manage the entire corpus. Over the last few years, I’ve experimented a lot, made some risky bets, and learned a few hard lessons along the way.
Disclaimer: This is my personal experience, not financial advice. I’m still learning, just like you.
What Are Bonds? What Is Wint Wealth?
Bonds are issued by governments or companies. When you buy a bond, you’re essentially lending money to them at a fixed interest rate. That’s the simplest way to think about it.
Bonds have traditionally been used by institutions and HNIs because they offer a middle ground between stocks and FDs. Stocks are volatile—over the last 1.5 years, Nifty has given barely 1–2% returns. FD rates are around 6% for large banks and up to 8% for smaller banks. Bonds usually fall in the 9–12% range. They carry risk, but then every investment does.
Platforms like Wint and Grip have opened this asset class to investors like us, with minimum investments starting from around ₹10,000. I genuinely think this is revolutionary.
Wint is a SEBI-registered Online Bond Platform Provider (OBPP), which means it’s licensed to offer bonds to retail investors.
What I like about Wint is that it feels curated rather than crowded. They usually list four to six bonds at a time instead of flooding the platform with dozens of options. As per publicly available platform data, Wint has not reported any bond defaults so far, and they also co-invest around 2% of their own money in every bond they list.
The “Safety First” Reality Check
The first question everyone asks is simple: is it safe?
Most bonds offered on platforms like Wint are senior secured bonds. This means that if a company runs into trouble, senior bondholders are paid before equity holders and subordinate debt holders.
These bonds are also backed by collateral—things like gold, vehicles, or loan portfolios of NBFCs. On top of that, Wint co-invests in every bond, which gives some comfort that incentives are aligned.
One important thing to understand is that even if Wint were to shut down tomorrow, your bonds would still remain in your demat account. They are independent assets, just like shares.
From what I’ve observed, Wint’s bonds usually offer a slightly lower XIRR compared to platforms like Grip. That’s the trade-off for better ratings and a more conservative approach. If you’re looking for 12–14% yields, those options exist elsewhere, but they come with higher risk.
My Investment Breakdown: The Real Numbers
I put my money where my mouth is. Here’s exactly what I invested in.
Investment 1: Navi Finserv Bond (14-month tenure)
- ISIN:Â INE342T07478
- Rating: CRISIL A – Stable
- Invested on:Â July 8, 2024
- Matured on:Â September 13, 2025
- Amount invested: ₹99,834
- Interest rate:Â 10.5%
- Total repaid: ₹1,11,698
- Gains earned: ₹11,863
- Status: ✅ Matured
Investment 2: Navi Finserv Bond (6.5-month tenure)
- ISIN:Â INE342T07411
- Rating: CRISIL A – Stable
- Invested on:Â July 3, 2024
- Matured on:Â January 18, 2025
- Amount invested: ₹99,454
- Interest rate:Â 10.56%
- Total repaid: ₹1,04,914
- Gains earned: ₹5,459
- Status: ✅ Matured
Every single payment arrived on time. No delays. No excuses.
Initially, I kept wondering whether the money would actually show up. When the first interest payment hit my account exactly on the scheduled date, it felt reassuring. By the third or fourth payout, I had stopped checking. You just get comfortable with it.
I chose monthly interest with quarterly principal payouts for my first investment because it gave me the highest peace of mind. I wanted some money back early, even if it meant a slightly lower CAGR. Other repayment structures are available, and this really comes down to your comfort with cashflows.
The Investment Process: How It Actually Works
Account creation was straightforward. The digital KYC took about 15 minutes, and the account was approved within a day.
One thing to note is that Wint usually insists on a dedicated demat account. This helps with faster settlement and automatic tracking of interest and TDS, but it does mean managing one more account.
When selecting bonds, I focused on credit ratings (CRISIL A or higher), repayment structure, and the issuer’s business. All reports and disclosures are available clearly, and SEBI regulations ensure these cannot be skipped.
Once invested, the dashboard shows upcoming interest payments, principal repayment schedules, TDS deductions, and overall portfolio performance.
Platform Experience
The dashboard and app are very minimal. Personally, it doesn’t feel like a full-fledged investment platform, though some people may appreciate the simplicity. All essential information is available, but I would prefer more depth.
Support is handled mainly via WhatsApp. Responses usually came within 2 to 24 hours, and the quality of replies was good. My doubts were addressed clearly, especially in the early days.
At maturity, the money was credited directly to my bank account without any follow-ups or hassles.
Liquidity and Taxation
Wint allows early exit using a secondary market mechanism, but the reality is that bond markets are nowhere near as liquid as equities. I would strongly recommend investing only money you’re comfortable locking in until maturity.
On taxation, bonds have a 10% TDS deducted on every interest payout. This is similar to FDs but very different from equity or mutual funds, where tax is applied on withdrawal. It’s something to be aware of while calculating your net returns.
My Honest Take After 14 Months
When I invested, my main concerns were whether the principal would come back on time and whether the promised returns would actually materialise. In reality, everything worked exactly as described. There were no delays, and support was responsive whenever I needed clarity.
If you’re someone who dislikes stock market volatility, wants returns higher than FDs, and understands the role of debt in a diversified portfolio, bonds are worth exploring. I think Wint is among the better platforms for someone starting their bond investing journey.
I’ve invested over ₹50 lakhs in similar products. If I were starting again with what I know now, I would begin small, understand how cashflows work, and gradually increase allocation and risk over time.
Final Verdict
After investing ₹2 lakhs and tracking the experience for 14 months, I’d rate Wint an 8 out of 10.
What it does well is offer good curation, transparent information, and a predictable experience with no delays. Where it falls short is slightly lower XIRR compared to some competitors and the absence of a dedicated relationship manager.
Wint remains part of my safer bond allocation, while I use other platforms for higher-risk opportunities. Regardless of the platform you choose, stick to SEBI-registered OBPPs and avoid anything unregulated, no matter how attractive the returns look.
Ready to Start Your Bond Journey?
If you’re opening accounts on any of these platforms, you can use my referral links below. They help me continue creating honest, experience-based reviews like this, without affecting your returns.
- ✅ WINT WEALTH: Code C4EAEB → Sign up here
- ✅ GRIP INVEST: Sign up here
- ✅ ALTGRAAF: Code BH8922 → Sign up here
- ✅ GULLAK: Code 30Y99M → Sign up here
- ✅ TAP INVEST / ULTA: Code X72D1Y → Sign up here
Disclaimer: This is my personal experience, not financial advice. SEBI registration does not guarantee returns. Always do your own research and consult a financial advisor before investing.