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    <description>Institutional-grade bond calculators and plain-English fixed income guides for India. No inventory, no markups — just math.</description>
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      <title>T-Bills vs Liquid Funds: Where Should Short-Term Money Sit?</title>
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      <description>Treasury bills against liquid mutual funds on credit, cost, liquidity, taxes and current yields, plus the graded emergency-fund architecture that uses both correctly.</description>
      <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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      <title>AT1 and Perpetual Bonds: The 'High-Yield Bank Bond' That Can Go to Zero</title>
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      <description>What AT1 bonds are, how ₹8,415 crore of Yes Bank AT1s were written off while equity survived, the Supreme Court case still pending in 2026, and how to read yield-to-call if you still want in.</description>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
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      <title>Bond Investment Platforms in India (2026): How to Choose, and How to Spot Markups</title>
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      <description>An independent comparison framework for SEBI-registered OBPP bond platforms including IndiaBonds, GoldenPi, Wint Wealth, Jiraaf, Bondbazaar and Stable Money, plus the habit that protects you from hidden markups.</description>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
      <category>Platforms</category>
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      <title>The T-Bill Emergency Fund: A Rolling 91-Day Ladder That Beats Your Savings Account</title>
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      <description>Step-by-step system for parking an emergency fund in rolling 91-day T-bills: the structure, week-by-week setup, when it beats liquid funds and sweep FDs, and its honest limits.</description>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
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      <title>How to Buy T-Bills in India: RBI Retail Direct Step-by-Step (2026)</title>
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      <description>The complete walkthrough for buying 91, 182 and 364-day treasury bills through RBI Retail Direct: account opening, non-competitive bidding, the auction calendar, settlement, taxation and exit options.</description>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
      <category>G-secs &amp; T-bills</category>
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      <title>RBI Retail Direct Review (2026): What It's Great At, Where It's Clunky</title>
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      <description>An honest review of RBI Retail Direct for buying T-bills, G-secs, SDLs and FRSBs: the zero-cost advantage, the app, the NDS-OM secondary market reality, and when a broker or fund is the better route.</description>
      <pubDate>Mon, 03 Aug 2026 00:00:00 GMT</pubDate>
      <category>Platforms</category>
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      <title>54EC Capital Gains Bonds: 5.25% and a Tax Break, and When the Math Works</title>
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      <description>REC, PFC, IRFC and HUDCO 54EC bonds explained: the ₹50 lakh limit, 6-month deadline, 5-year lock-in, and the honest breakeven math against paying 12.5% LTCG and investing freely.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>Taxation</category>
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      <title>When Indian Bonds Went Wrong: IL&amp;FS, DHFL, Franklin and What They Cost Investors</title>
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      <description>India's major fixed-income blowups, from IL&amp;FS and DHFL to Yes Bank AT1, Franklin Templeton and SREI: what happened, what investors recovered, and the five portfolio rules the history leaves behind.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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      <title>The Bond Ladder Strategy for Indian Investors: A Practical Blueprint</title>
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      <description>How to build a bond ladder in India with G-secs, T-bills, SDLs and NCDs: a worked retiree example, rung-by-rung instrument choices, reinvestment mechanics and the mistakes to avoid.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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      <title>G-secs vs Fixed Deposits: Which Is Better in 2026?</title>
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      <description>Government securities against bank FDs, compared honestly on safety, post-tax returns, liquidity and rate risk, with the math done at current mid-2026 yields.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>G-secs &amp; T-bills</category>
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      <title>Sovereign Green Bonds (SGrBs): Same Credit, Green Label, Slightly Lower Yield</title>
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      <description>India's sovereign green bonds explained: how SGrBs work, what the 'greenium' costs you, how the proceeds framework operates, and who should and shouldn't accept the trade.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
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      <title>How to Buy Government Bonds (G-secs) in India: All 4 Routes Compared</title>
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      <description>Every way to buy Government of India securities in 2026: RBI Retail Direct auctions, the NDS-OM secondary market, broker platforms and gilt funds, with steps, costs and when each route wins.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>G-secs &amp; T-bills</category>
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      <title>Monthly Income from Bonds in India: The Honest Menu</title>
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      <description>Every realistic way to engineer a monthly payout from fixed income: monthly-coupon NCDs, staggered G-secs, SCSS, FRSB and annuities, with the yields, taxes and traps of each.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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      <title>SDLs: The Yield Pickup Almost Nobody Talks About</title>
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      <description>State Development Loans explained: why state government bonds yield well above G-secs with a spotless payment record, what the spread has done recently, how the RBI's payment mechanism works, and how to buy SDLs at auction.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>G-secs &amp; T-bills</category>
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      <title>The Indian Yield Curve, Explained: What the Shape of Rates Tells You</title>
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      <description>How to read India's G-sec yield curve: what normal, flat and inverted shapes mean, what drives each segment (RBI, liquidity, supply, global flows), and how investors use the curve in practice.</description>
      <pubDate>Sat, 25 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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      <title>Fixed Income for Beginners: Where to Start in India (Ranked by How Safe It Is)</title>
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      <description>A plain-English starting map for Indian fixed income, covering every safe option from bank FDs and government bonds to corporate NCDs, ranked by how guaranteed the returns are.</description>
      <pubDate>Wed, 08 Jul 2026 00:00:00 GMT</pubDate>
      <category>Basics</category>
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      <title>The 10 Bond Investing Mistakes Indians Actually Make (Ranked by Damage)</title>
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      <description>The recurring, expensive errors in Indian fixed income, from chasing coupons and ignoring post-tax math to duration accidents and concentration, each with the fix and the tool that prevents it.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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    <item>
      <title>The Bond Jargon Decoder: What Platforms Say vs What They Mean</title>
      <link>https://bondlab.in/guides/bond-market-jargon-decoder/</link>
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      <description>A translation guide for the 20 phrases you'll meet while buying bonds in India: what each term technically means, and the sales subtext sitting inside it.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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      <title>Bonds vs Debt Funds After the Tax Change: The 2026 Decision Framework</title>
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      <description>Direct bonds against debt mutual funds now that fund gains are taxed at slab: where each wins on taxes, liquidity, credit diversification and control, with the math that changed in 2023.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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      <title>Credit Ratings in India: What AAA Promises, and What It Doesn't</title>
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      <description>How to read CRISIL, ICRA and CARE ratings on bonds and NCDs: the scale decoded, what the yield gap between AAA and AA pays for, and the IL&amp;FS lesson about treating ratings as guarantees.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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      <title>Duration, For Normal People: The Bond Number That Predicts Your Pain</title>
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      <description>Duration explained without calculus: what modified duration means in rupees, how to check any bond or fund's number in seconds, and the three duration decisions every investor faces.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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      <title>Gilt Funds vs Buying G-secs Directly: The 10-Year Cost of Convenience</title>
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      <description>Both hold the same government bonds. One charges around 0.5% a year and never matures, the other is free with a fixed maturity date. What the expense ratio costs, and when each makes sense.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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      <title>How OBPP Platforms Work: SEBI's Framework, Settlement, and Your Protections</title>
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      <description>What happens behind the screen when you buy a bond on an OBPP: the SEBI registration regime, RFQ execution, exchange clearing and demat custody, plus which risks the framework does and doesn't remove.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Platforms</category>
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      <title>The Senior Citizen's Fixed Income Menu (2026): SCSS, FRSB, G-secs and Annuities, In Order</title>
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      <description>An ordered plan for retirees' safe money: SCSS at 8.2%, FRSB at 8.05%, senior-citizen FDs, G-sec ladders and annuities. Who gets what, in which sequence, with the tax treatment done properly.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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      <title>G-sec STRIPS: The Overlooked Instrument for Goal-Dated Money</title>
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      <description>STRIPS turn a G-sec's coupons and principal into individual sovereign zero-coupon securities, which makes them clean building blocks for dated goals. How they work, how to buy, taxation notes and the liquidity catch.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Products</category>
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      <title>Why Bond Prices Fall When Yields Rise</title>
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      <description>The see-saw between bond prices and yields confuses everyone at first. A plain-English explanation with real numbers, plus why 'my gilt fund lost money' and 'bonds are safe' are both true.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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      <title>Zero-Coupon Bonds in India: No Coupons, No Reinvestment Risk, Interesting Taxes</title>
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      <description>How zero-coupon bonds and deep-discount instruments work in India: where to find them (T-bills, STRIPS, notified ZCBs, cumulative NCDs), why they're the purest rate instrument, and the tax treatment that varies by structure.</description>
      <pubDate>Mon, 06 Jul 2026 00:00:00 GMT</pubDate>
      <category>Products</category>
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      <title>Bharat Bond ETFs &amp; Target Maturity Funds: Still Worth It After the Tax Change?</title>
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      <description>How Bharat Bond ETFs and target-maturity debt funds work, the 2030–2033 lineup, their rock-bottom expense ratios, and the honest comparison against direct G-secs now that debt funds are taxed at slab.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Products</category>
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      <title>How Bonds Are Taxed in India (FY 2026-27): The Complete Guide</title>
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      <description>Every tax rule that hits Indian bond investors in one place: slab tax on coupons, 12.5% LTCG on listed bonds, the unlisted-bond trap, TDS thresholds, Form 121, and the Budget 2026 SGB change.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Taxation</category>
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      <title>Clean Price, Dirty Price and Day Counts: Why Your Bond Invoice Never Matches the Quote</title>
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      <description>The settlement mechanics every Indian bond buyer should know: clean vs dirty price, accrued interest, and the 30/360 vs Actual/Actual day-count conventions that decide the rupees on your contract note.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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      <title>How to Evaluate a Corporate Bond: The 10-Point Checklist Before You Click Buy</title>
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      <description>A practical due-diligence checklist for Indian corporate bonds and NCDs: ratings and their limits, secured vs unsecured, listing status, spread sanity checks, liquidity, and position sizing.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Strategy</category>
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      <title>NCD Public Issues: How to Read One in 10 Minutes and Apply Online</title>
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      <description>How NCD public issues work in India: finding open issues, decoding the series table, the 10-minute prospectus skim, applying via UPI or ASBA through your broker, and what happens at allotment and listing.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Products</category>
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      <title>RBI Floating Rate Savings Bonds at 8.05%: Full Review (July–December 2026)</title>
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      <description>Everything about the RBI Floating Rate Savings Bond (FRSB 2020): how the NSC-linked 8.05% rate works, taxation and TDS, lock-in rules, senior-citizen exits, and who should and shouldn't buy.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Products</category>
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      <title>SGB Taxation After Budget 2026: What Changed for Secondary-Market Buyers</title>
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      <description>From 1 April 2026, the SGB capital-gains exemption at redemption applies only to original subscribers. What changed, who's affected, the tax math for secondary buyers, and what to do now.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Taxation</category>
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      <title>What Is YTM? Yield to Maturity Explained with Real Numbers</title>
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      <description>Yield to maturity explained properly: what it measures, how it's calculated, why it differs from the coupon and current yield, and the assumptions it quietly makes about reinvestment.</description>
      <pubDate>Sun, 05 Jul 2026 00:00:00 GMT</pubDate>
      <category>Concepts</category>
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