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NameIssue SizeMaturityCoupon
NTPC LimitedCRISIL AAAINE733E07CB1140.00Cr06 Nov 202311.25 %
Kotak Mahindra Prime LimitedCRISIL AAAINE916D08DT240.00Cr22 Jun 202310.50 %
HDB Financial Services LimitedCRISIL AAAINE756I08041100.00Cr17 Oct 202310.20 %
HDB Financial Services LimitedCRISIL AAAINE756I0806680.00Cr18 Mar 202410.19 %
Tata Capital Housing Finance LimitedCRISIL AAAINE033L0817148.00Cr26 Sep 202410.15 %
Bajaj Finance LimitedCRISIL AAAINE296A08714500.00Cr19 Sep 202410.15 %
Tata Capital Financial Services LimitedCRISIL AAAINE306N08029100.00Cr26 Sep 202410.15 %
HDB Financial Services LimitedCRISIL AAAINE756I0805850.00Cr20 Dec 202310.05 %
Kotak Investment Advisors LimitedCRISIL AAAINE03BW0806980.00Cr26 Sep 202510.00 %
Tata Capital Housing Finance LimitedCRISIL AAAINE033L081557.70Cr10 Jan 202410.00 %

What are AAA rated bonds?

AAA rated bonds are the highest-rated investment-grade bonds. Indian credit-rating agencies like CRISIL, ICRA, CARE, and India Ratings provide these ratings after assessing the financial and operational health of the bond issuer and the risk of the individual bond. AAA bonds are considered the safest as they have the lowest default risk and indicate the issuer's high creditworthiness. Having the lowest risk of default means there is a very low chance that the bond issuer will be unable to repay the principal and interest. Large and well-established companies with strong financials usually issue AAA bonds In India. Some of the most common issuers of AAA rated bonds are public-sector banks, public-sector undertakings and large private-sector banks and companies.

What do credit ratings of bonds mean?

SYMBOLINVESTMENT SAFETY
AAAThese are securities with the highest safety as they have the lowest credit risk and highest safety regarding fulfilling financial obligations.
AAThese are securities with high safety as they have very low credit risk and very high safety regarding fulfilling financial obligations.
AThese are securities with moderate safety as they have low credit risk and high safety regarding fulfilling financial obligations.
BBBThese are securities with moderate safety as they have moderate credit risk and high safety regarding fulfilling financial obligations.
BBThese are securities with moderate risk regarding fulfilling financial obligations.
BThese are securities with high risk regarding fulfilling financial obligations.
CThese are securities with high risk regarding fulfilling financial obligations.
DSecurities with this rating are in default or are expected to be in default so

*Ratings for  AA to  C may include modifiers, such as "+" or "-", to indicate the relative standing within the category. For example, a rating of CRISIL AA+ would indicate a stronger standing than a CRISIL AA. Similarly, a  CRISIL AA bond will have a lower default risk than CRISIL AA- bond.

What is AAA bond yield?

High-risk high return and vice versa is a fundamental concept of investment returns. As you know, AAA rated bonds have very low risk, so their returns are also relatively low. If, as an investor, you are looking for investment options that provide capital protection and fixed income, you can consider investing in AAA rated bonds.

What are the benefits of AAA rated Bonds?

Since AAA bonds are a safe investment product, they come with the virtue of providing capital preservation. As a result, it is a good investment choice for risk-averse investors who want fixed returns with lowest risk.

Conclusion

AAA rated bonds offer a reliable investment avenue characterised by regular income, stability, and diversification benefits. Issuers with good financial health and robust management practices back these bonds. You can invest in AAA rated bonds if you are looking for safe investment products.

FAQs about AAA Rated Bonds

How are AAA bonds taxed?

AAA bonds are taxed in the same way as any other bonds. The interest you earn from AAA bonds will be taxed as per your income tax slab under the head ‘Income from Other Sources’. The selling price and the holding period of the bond determine capital gains from bonds. A holding period of 12 months or more is considered long-term for listed bonds, while for unlisted bonds, it's 36 months. Short-term gains for listed and unlisted bonds are taxed at the individual slab rate. Long-term gains are taxed 10% without indexation for listed bonds and 20% for unlisted bonds.

Are government bonds AAA-rated bonds?

No, government bonds are not AAA bonds. These bonds are not rated as government securities and do not require a stamp from the rating agencies. They are considered a notch better than AAA-rated bonds because the government issues them, and sovereign backing is considered the best credit. SGBs, T-Bills, and state development loans (SDLs) all these instruments are not AAA rated but have sovereign backing. The risk of default for such securities is negligible.

Disclaimer: The facts and information on this page are for information and awareness purposes only. No information provided here is intended towards any specific user and should not be construed as investment advice or a recommendation of any kind whatsoever. You are requested to consult with your professional investment advisor or tax advisor for specific directions on any investments in any securities including the bonds mentioned on this page before making any investment decision. Wint Wealth shall not be liable for any losses incurred by you based on an investment decision utilising the information on this page.