NDTV Features EquiRize on Bond Yields, Fixed Deposit Returns and the Risks Behind the Extra 3%
Mumbai, India | September 9, 2026 – EquiRize Securities has been featured in an NDTV Business report examining whether the additional yield offered by certain corporate bonds adequately compensates investors for the risks they assume compared with bank fixed deposits.
The article, titled “Bond Yields Pay 10%, Fixed Deposits Just 7%: Is Chasing The Extra 3% Really Smart?”, features insights from Mohit Gupta, Co-Founder, CTO & CPO at EquiRize Securities.
Higher Yield Reflects Additional Risk
The NDTV article compares certain corporate bonds offering yields near 10% with bank fixed deposits offering approximately 7%. These figures are market illustrations and should not be interpreted as rates available across every bond or fixed deposit.
Mohit Gupta explained that additional yield should not be viewed as a bonus. It represents compensation for risks that may not apply to a fixed deposit in the same way.
Three Risks Behind the Yield Difference
Investors evaluating a higher-yielding corporate bond should consider three important risks:
- Credit risk: The issuer may delay or default on scheduled interest or principal payments. A credit rating is an opinion on repayment risk—not a guarantee.
- Interest-rate risk: A bond’s market price may decline when interest rates rise, particularly for longer-duration securities.
- Liquidity risk: A bond may not always be easy to sell before maturity at the desired price.
Fixed Deposits and Deposit Insurance
Eligible bank deposits, including fixed deposits, are covered by DICGC insurance up to ₹5 lakh per depositor per bank in the same right and capacity, including principal and interest, subject to applicable rules.
Corporate bonds do not receive DICGC deposit-insurance protection. Their repayment depends on the issuer’s ability to meet its financial obligations.
Suitability Depends on the Investor
Whether additional yield is appropriate depends on the investor’s risk profile, income stability, liquidity requirements and investment horizon.
Before investing, investors should examine the rating rationale, understand the issuer, match the bond’s maturity with their time horizon and consider whether they can hold the investment until maturity.
About EquiRize
EquiRize Securities is a SEBI-registered Online Bond Platform Provider focused on simplifying access to listed fixed-income opportunities in India.
The platform supports bond discovery through issuer information, credit ratings, financial data, product disclosures and risk-related insights.
Read the complete NDTV article: Bond Yields Pay 10%, Fixed Deposits Just 7%: Is Chasing The Extra 3% Really Smart?
Disclaimer: Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities and securitised debt instruments are subject to credit risks, market risks and default risks, including delay and/or default in payment. Read all offer-related documents carefully before investing.
