For years, I kept most of my savings in bank fixed deposits.
The returns? 6–7%.
Inflation? 6–7%.
Which basically meant my money wasn’t really growing.
In early 2024, I started searching for a better fixed-income alternative — something that could offer higher returns than FD but without taking equity-level risk.
That’s when I discovered Wint Wealth.
Since then, I’ve been investing through this platform in corporate bonds and fixed-income products.
This article is not a sponsored pitch.
This is my honest review after investing for more than a year.
If you are considering opening an account, this detailed guide will help you understand:
- How Wint Wealth works
- Expected returns
- Risks involved
- Safety factors
- Charges & taxation
- Whether it is suitable for you
Let’s start from the basics.
Table of Contents
What is Wint Wealth?
Wint Wealth is an Indian investment platform that allows retail investors to invest in corporate bonds and fixed-income products.
Traditionally, high-quality corporate bonds required investments of ₹10 lakh or more. Retail investors could not access them easily.
Wint Wealth makes these bonds accessible at much lower ticket sizes.
Instead of investing in volatile stocks, investors can earn fixed coupon income from companies borrowing money.
The company selects bonds and lists them on the platform after due diligence.
Key offerings typically include:
- Secured corporate bonds
- Non-convertible debentures (NCDs)
- Market-linked debentures (MLDs)
- Government securities (occasionally)
The idea is simple:
Companies borrow money.
You lend money through bonds.
You receive fixed interest payments.
Why I Started Investing in 2024
In 2024, FD rates were decent but not attractive enough for long-term wealth preservation.
Equity markets were volatile.
I wanted something in between:
- Higher return than FD
- Lower volatility than stocks
- Predictable income
After researching corporate bonds, I found that many were offering 9–11% coupon rates.
However, buying bonds directly through brokers felt complicated.
That’s when I came across Wint Wealth.
What attracted me:
- Clean interface
- Clear bond details
- Risk disclosure transparency
- Minimum investment lower than traditional bond markets
So I decided to try it with a small allocation first.
My Real Experience After 1+ Year
Here’s what I observed:
1. Account Opening Process
The process was smooth:
- Mobile number verification
- PAN and Aadhaar-based KYC
- Bank account linking
Everything was digital.
2. Investment Execution
Bond details were clearly mentioned:
- Coupon rate
- Payment frequency (monthly/quarterly)
- Tenure
- Credit rating
- Security structure
That transparency helped build trust.
3. Interest Payments
Interest was credited on schedule.
That predictability is one of the biggest positives of bond investing.
4. Platform Experience
- Dashboard shows portfolio clearly
- Upcoming payouts visible
- Risk disclosures visible
- No hidden surprises so far
Overall experience has been stable.
What Returns Can You Expect?
Most bonds on the platform typically offer:
9% to 11% annual coupon rates (varies by issuer and risk profile)
Let’s compare roughly:
Bank FD: 6–7%
Corporate Bonds: 9–11%
That difference of 2–4% annually can make a big difference over time.
Example:
₹5,00,000 invested
FD at 7% → ₹35,000/year
Bond at 10% → ₹50,000/year
Difference: ₹15,000 annually
However, remember:
Higher return = Higher risk compared to FD.
There is no guaranteed return like a government-backed FD.
Is Wint Wealth Safe?
This is the most important question.
Let’s break it down properly.
Platform Risk vs Bond Risk
Wint Wealth is just a platform.
The real risk lies with the company issuing the bond.
If the company defaults, investors may face delays or losses.
Secured vs Unsecured Bonds
Many bonds listed are “secured,” meaning:
They are backed by company assets.
In case of default, asset liquidation may help recover money.
But recovery is never guaranteed.
Credit Ratings Matter
Most bonds carry ratings from agencies.
Higher rating → Lower default probability
Lower rating → Higher risk
Never invest blindly.
Diversify across multiple issuers.
Charges & Taxation
Platform fees vary depending on bond structure.
Important taxation points:
- Interest income taxed as per your income slab
- No special tax benefit like PPF
- Capital gains tax applicable if sold before maturity
Always calculate post-tax return.
If you’re in 30% slab, 10% coupon becomes ~7% after tax.
Pros and Cons
Pros
- Higher potential return than FD
- Predictable income
- Access to corporate bonds
- Transparent listing details
- Lower minimum investment than traditional bond market
Cons
- Not risk-free
- No capital guarantee
- Taxed at slab rate
- Liquidity may be limited
Risks You Must Understand
- Credit Risk – Company may default
- Liquidity Risk – Exit before maturity may not be easy
- Interest Rate Risk – If rates rise, bond prices may fall
- Taxation Impact – Interest taxed as per slab
This is not a savings account.
This is a fixed-income investment with moderate risk.
Who Should Invest?
Suitable for:
- Investors looking for fixed income
- Those diversifying beyond FD
- Moderate risk investors
- People wanting periodic income
Not suitable for:
- Emergency fund
- Zero-risk investors
- Short-term traders
- Those who don’t understand credit risk
How to Open an Account
If after reading this you feel corporate bonds fit your strategy, here’s how to get started:
- Click here!
- Complete mobile verification
- Finish KYC
- Link bank account
- Choose bonds based on risk appetite
- Diversify across issuers
Start small.
Understand the product.
Then scale gradually.
Final Verdict: Should You Use Wint Wealth?
After investing since 2024, my conclusion is simple:
Wint Wealth is not a magic wealth machine.
It is a fixed-income platform that can help you earn better returns than FD — if you understand and manage the risks.
If you want:
- Stability
- Predictable cash flow
- Moderate risk
It can be a useful part of your portfolio.
But do not put all your money in one bond.
Diversify.
Invest wisely.
And always remember:
Higher return comes with higher responsibility.
If you’re planning to explore corporate bonds and want a simple entry point, you can open your account and start with a small allocation to understand how it works.