# Rs 10,000 bonds: Don’t rely only on credit ratings

2026-08-14T23:40:28+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 1 independent outlet

Retail investors are pouring into corporate bonds after minimum investments dropped to Rs 10,000, but many are relying too heavily on credit ratings, Livemint reports. Experts say ratings only assess repayment likelihood and miss default, liquidity, and price risks. A rating should be a starting point, not the final answer. Investors should check rating history, use the lowest rating if multiple agencies rate the bond, and examine whether the bond is secured. Government bonds are safer than even AAA-rated corporates. Capital gains tax also applies on bonds sold in the secondary market, 12.5% for long-term holdings.

## Coverage

- livemint.com <https://www.livemint.com/money/just-10-000-gets-you-into-bonds-heres-what-else-you-need-11786681615993.html>

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