Investment Products
Credit & Public Issues
Debt instruments and securities offered by companies to raise funds — from bonds and NCDs to IPOs — with terms, returns and risks explained before you decide.
Overview
New issues and debt, read before you invest.
Credit and public issues provide investment opportunities through debt instruments and securities offered by companies or other eligible issuers to raise funds. We help clients understand these opportunities, their potential returns, risks, and investment terms before making a decision.
Every offer comes with an offer document that sets out the business, the terms and the risks. We help you read it critically — so you invest because the terms suit you, not because an issue is popular.
Two Opportunities
Lend to issuers, or invest at launch.
Option 01 · Credit
Credit Investments
Credit investments involve lending money to companies or institutions through instruments such as bonds and Non-Convertible Debentures (NCDs).
- Investment OpportunitiesExplore available debt investment options.
- Interest IncomeUnderstand the interest rates and payment schedules offered.
- Risk AssessmentEvaluate the issuer’s creditworthiness and ability to repay.
- Maturity PlanningCompare investment periods based on your financial needs.
- Investment GuidanceUnderstand the risks, returns, and terms before investing.
Option 02 · Public issues
Public Issues
Public issues allow investors to invest in securities offered to the public by companies, subject to the applicable issue terms. Examples include Initial Public Offerings (IPOs) and public issues of debt securities.
- IPO GuidanceUnderstand new companies offering shares to the public.
- Issue DetailsLearn about the price band, subscription period, lot size, and other key terms.
- Investment AssessmentUnderstand the company, its business, and relevant investment risks.
- Application SupportGet guidance on the application process and required steps.
- Informed DecisionsReview available information before deciding whether to invest.
How an IPO Works
From announcement to listing.
We support you at each stage — from reading the offer document to completing your application.
01
Offer document
The company files its offer document with SEBI and publishes the issue details.
02
Price & lot size
The price band, minimum lot size and subscription dates are announced.
03
Apply
You apply through your bank (ASBA) or UPI while the issue is open — usually three working days.
04
Allotment
Shares are allotted based on demand; funds are blocked only for the shares you receive.
05
Listing
Allotted shares are credited to your demat account and start trading on the exchange.
FAQ
Questions investors often ask.
Can’t find your answer here? Our team will walk you through it.
01Is investing in an IPO risky?
Yes. Listing prices can be above or below the issue price, and new companies have a shorter public track record. Read the risk factors in the offer document and invest only what fits your plan.
02What happens if I don’t get an allotment?
If an issue is oversubscribed you may receive fewer shares or none. The amount blocked in your bank account is released for any shares not allotted.
03How do I judge an issuer’s creditworthiness?
Look at its credit rating, financial statements, debt levels and the security offered, if any. We review these with you before you invest in any NCD or bond issue.
04Can I sell debt securities before maturity?
Listed NCDs and bonds can be sold on the exchange, but trading can be thin and the price may be below face value. Plan to hold until maturity.
Returns are not guaranteed. Credit investments carry issuer and liquidity risks, while public issues may involve market volatility and the risk of losing invested capital.