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Account and Asset Management

Bonds & Debt Investments — Complete Module Guide

6 min read Updated 22 Sep 2026

📜 Bonds & Debt Investments — Complete Module Guide

The Bonds & Fixed Income Securities module in Wevanta allows you to track, manage, and monitor all your fixed-income holdings—including Government Savings Bonds, Corporate Bonds, Sovereign Gold Bonds (SGBs), Tax-Free Bonds, PSU Bonds, and NCDs (Non-Convertible Debentures).

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Dedicated Account Category Bonds are organized under a dedicated Bonds Account (category = bond), giving you full visibility over coupon yields, Yield to Maturity (YTM), interest payout schedules, Demat settlement details, joint owners, and maturity timelines.

1. How to Set Up a Bond Account

Before adding individual bond investments, create a dedicated Bond Account in Wevanta:

  1. Navigate to Accounts → Add Account (or /accounts/create).
  2. Select Category: Bonds (under Investments).
  3. Enter an Account Name (e.g., "RBI & Corporate Bonds Account", "GoldenPi Portfolio", or "Zerodha Coin Bonds").
  4. Select the Primary Account Owner / Family Member.
  5. Click Save Account.
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Pro Tip: Separate Account Creation vs. Bond Details When creating the Bond Account itself, you only enter high-level account attributes. Detailed security information (ISIN, coupon rate, YTM, payout schedule, units, etc.) is entered when adding individual bond investments inside the Bond Account detail page.

2. Adding a Bond Investment

Once your Bond Account is created, open the account detail page (/accounts/{account_id}/detail) and click ➕ Add Bond.

A. Bond Identity & Security Details

Field Name Description & Examples
Bond Name *Display title (e.g., 7.75% GOI Savings Bond 2028, NHAI Tax-Free Bond 2031).
PlatformPlatform/broker where purchased (e.g., GoldenPi, Zerodha Coin, RBI Retail Direct, Wint Wealth).
ISIN12-character International Securities Identification Number (e.g., IN0020210098).
Order IDPurchase reference number (e.g., ORD-982374).
Security NameFull legal security title.
Security NatureCategory (e.g., Sovereign, Corporate NCD, PSU Tax-Free, SGB).

B. Investment & Pricing Details

Field Name Description & Guidelines
Date of Investment *Allotment date or purchase settlement date.
Maturity Date *Redemption / expiry date of the bond.
Total Investment Amount *Total outlay inclusive of stamp duty, exchange fees, and brokerage charges.
Invested Via Bank AccountSelect bank account from which payment was made.
Face Value Per UnitNominal value per unit (e.g., ₹ 1,000 or ₹ 1,00,000).
Number of UnitsQuantity of units purchased (e.g., 100).

C. Yield & Interest Payout Terms

  • Coupon Rate (%): Annual interest rate promised by issuer (e.g., 8.50%).
  • YTM Rate (After Brokerage) (%): Yield to Maturity rate after accounting for purchase price discount/premium and brokerage.
  • Principal Repayment: Choose between At Maturity (lump sum redemption) or Staggered (partial repayments).
  • Interest Payment Date / Schedule: Specific schedule notes (e.g., 1st Jan & 1st Jul or 15th Monthly).
  • Payout Frequency: Select At End of Tenure / Maturity, Monthly, Quarterly, Six Months, or Yearly.
  • Payout Amount per Cycle & Bank Account: Enter periodic coupon payout amount and select the destination bank account for automated cashflow logging.

D. Buyer Settlement & Demat Details

  • DP ID: Depository Participant ID (e.g., IN304633 for NSDL).
  • Client ID: Beneficial Owner / Demat Account Client ID (e.g., 26495810).
  • Buyer Settlement Details: Notes for depository participant, CMR client master copy details, etc.

E. Ownership & Status

  • Joint Account Holders: Select family members who hold joint ownership.
  • Nominee: Nominee registered for the bond.
  • Status: Active, Matured, or Sold.

3. Automated Payout & Auto-Maturity Scheduler

Wevanta runs a daily background scheduler at 6:00 AM to process bond events:

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Automatic Updates
  • Auto-Maturity: Any active bond whose maturity date has passed is automatically marked as Matured.
  • Interest Payout Logging: Periodic coupon payouts (Monthly/Quarterly/Semi-Annual/Yearly) automatically generate income deposit transactions into your designated Payout Bank Account on due dates.

4. Managing, Updating & Deleting Bonds

  • To modify any bond details, open the Bond Account detail page and click the ✏️ Edit icon next to the bond.
  • Saving changes automatically recalculates your account's net portfolio valuation.
  • To delete a bond entry, click Delete Bond at the top of the Edit page.