Golden Pi Review

Investing in government securities was a complex task earlier as you could invest in bonds only visiting RBI website or reaching AMCs (Asset Management Companies). 

But the Golden Pi has made Bonds investment quite simple and easy by providing a dedicated platform to invest in government securities, corporate bonds, corporate FDs and IPOs.

Let’s review Golden Pi to help you understand why you should consider investing in bonds through Golden Pi.

What is Golden Pi

Golden Pi is an online platform that offers invest in bonds, debentures and corporate fixed deposits. Golden Pi lists bonds issued by companies and institutions, providing a fixed return on investment. 

The platform has been designed to make bond investing simple, accessible, and affordable to everyone. One of the most significant benefits of Golden Pi is that it allows you to invest in bonds with as little as Rs 10,000. This makes bond investing accessible to those who may not have a lot of capital to start with.

Through Golden Pi, you can invest in a variety of bonds, including government bonds, We have also made an article on how to invest in sovereign bonds to understand the benefits of SGB investment.

How Golden Pi Works

When you buy a bond through Golden Pi, they are essentially lending money to the bond issuer. In exchange, the issuer pays you interest on the loan at regular intervals. Once the bond matures, you receive the principal amount invested along with the final interest payment.

You get access to a wide range of bonds from various issuers, allowing you to choose the bonds that best suit your investment goals. The platform offers a range of bonds with varying maturity periods, interest rates, and risk profiles. Some of the major bond types available on Golden Pi are shown below.

Benefits of Investing Through Golden Pi

  1. Diversification – Bond investing through Golden Pi allows you to diversify your investment portfolio. Investing in bonds provides a stable source of income and helps you balance your portfolio’s risk-reward profile.
  2. Regular Income – Bonds provide a fixed rate of interest, making them an attractive investment option for those looking for a regular source of income.
  3. Low-Risk – Bonds are considered to be less risky than equities, making them a safer investment option for risk-averse investors.
  4. Affordable – Golden Pi allows you to start investing in bonds with as little as Rs 1,000, making bond investing accessible to everyone.

Limitations of Golden Pi

  1. Limited Liquidity – Unlike equities, bonds have limited liquidity, which means that it may be challenging to sell your bonds before their maturity date.
  2. Interest Rate Risk – Bond prices are inversely proportional to interest rates. When interest rates rise, bond prices fall, and when interest rates fall, bond prices rise. This interest rate risk can affect the value of your bond investments.
  3. Credit Risk – Bonds are debt instruments, and there is a risk that the bond issuer may default on the payment of interest or principal amount.

Step-by-Step Process to Invest with Golden Pi

Here’s a step-by-step guide to investing in bonds with the Golden Pi platform:

Step 1 – Sign up with GoldenPi

Golden pi signup

If you don’t already have an account with Golden Pi, you have to open one before you can start investing in bonds through Golden Pi. 

If you already have an account with Golden Pi, then you can skip to Step 2.

Step 2 – Login to your Golden Pi account

Golden pi sign up

Once you have a Golden Pi account, you can log in to your account using your login credentials.

Step 3 – Click on the “Discover” menu and click on “Corporate Bonds”

Golden pi menu

Now select the “Explore” option.

Step 4 – Select the bonds you want to invest in

bond selection

On the Golden Pi platform, you’ll be able to see the various bonds available for investment. You can select the bonds you want to invest in by clicking on the “Invest” button next to the bond name.

Step 5 – Complete the KYC

Golden pi kyc

You have to complete your KYC if you haven’t done while opening the Golden Pi account. If you have already completed the KYC, then skip this point and go to Step 6.

Step 6 – Choose the number of bonds you want to buy and click on “Invest”.

bond investment amount

You can select the number of bonds you want to buy which will decide the total investment amount.

Step 7 – Make the payment

After confirming the investment, you’ll be directed to the payment gateway to complete the transaction. You can make the payment using net banking or UPI.

Once your investment is complete, your can see your order in the orders tab in the left column menu. Once the order will be completed, you can see the details of the bond in the portfolio section. 

Golden Pi vs Other Investment Options

You can compare Golden Pi with some other popular investment options as discussed below.

Fixed Deposits (FDs)

Fixed deposits are a popular investment option that offers a fixed rate of return over a fixed period of time. While FDs are considered safe, they offer lower returns than Golden Pi.

Mutual Funds

Mutual funds are professionally managed investment option that invests in a diversified portfolio of stocks, bonds, and other securities. While mutual funds offer higher returns than FDs, they are subject to market volatility and may not be suitable for all investors.


Stocks are an equity investment option that offers the potential for high returns but also comes with higher risks. Stocks are subject to market volatility and may require a significant amount of research and analysis before investing.

You can also read our article on How to invest in the share market in India if you want to understand the whole process of stock investing.


Gold is a popular investment option that offers a hedge against inflation and market volatility. However, gold investments do not offer regular income like Golden Pi.

Overall, Golden Pi offers a good balance of safety and returns for you, if you are looking for a fixed-income investment option. You can go through our guide on 5 ways to invest in gold in India.

Strategies for Maximizing Returns on Golden Pi

Here are some strategies that you can use to maximize your returns on Golden Pi.

Invest for the long-term Golden Pi offers higher returns for longer tenures. So, you can invest in the long-term to maximize returns.
Reinvest interest paymentsYou can reinvest the interest payments earned on you bonds to earn higher returns over time.
Diversify your portfolioYou can reinvest the interest payments earned on your bonds to earn higher returns over time.
Monitor your investments regularlyYou should monitor your investments regularly to ensure that they are performing as expected and make changes if necessary.


Golden Pi is an excellent investment option for those looking to invest in government bonds and securities thanks to its easy-to-use and snappy platform.

If you’re interested in investing in safer instruments such as bonds, Golden Pi is an ideal choice for you.


What are the charges for using Golden Pi?

Golden Pi does not charge any fees for using the platform. However, you may have to pay some transactional charges associated with investing in government bonds.

What is the rate of return offered by Golden Pi?

The rate of return offered by Golden Pi varies depending on various factors such as interest rates and inflation.

Can I sell my Golden Pi investments before maturity?

Yes, you can sell their Golden Pi investments before maturity on the secondary market.

Is Golden Pi safe?

Yes, Golden Pi is a safe investment option as it is backed by high-quality bonds issued by government-backed entities.

What is the minimum investment amount for Golden Pi?

The minimum investment amount for Golden Pi is Rs. 10,000.

How to avoid risks in bond investing?

You can mitigate money loss risks in bonds by

  • Investing in bonds with high credit ratings
  • Diversifying your portfolio across different types of bonds
  • Investing in bonds with shorter maturities to reduce interest rate risk.
What are the risks associated with bond investing?

While bond investing can be a great way to earn a steady income, there are some risks to be aware of.

Credit risk – One of the biggest risks is credit risk in which the bond issuer may get default on its debt obligations and be unable to repay your invested money to you.

Interest rate risk – Bond prices are highly sensitive to changes in interest rates. When interest rates rise, bond prices tend to fall, and vice versa. This means that if you want to sell you bonds before maturity, you may receive less than the original purchase price if interest rates have risen.

Inflation risk – Inflation can erode the value of bond returns over time. If the rate of inflation is higher than the rate of return on the bond, you may experience a negative real return.

Liquidity risk – Some bonds are more liquid than others, meaning that they can be easily bought and sold on the secondary market. Less liquid bonds may be more difficult to sell, particularly if there is a sudden increase in interest rates or a credit event that causes bond investors to sell their bonds.

How does bond investing work?

Bond investing works by allowing you to buy and sell bonds on the bond market. When you buy a bond, you are essentially lending money to the bond issuer. In return, the issuer agrees to pay you interest on your investment and return your principal amount at maturity.

The interest rate on a bond is called the coupon rate, and it is typically paid out to you at fixed intervals, such as quarterly or annually. When a bond matures, you receive your principal back in full.

Bond prices are determined by supply and demand, just like any other asset. If there is high demand for a bond, the price will go up, and if there is low demand, the price will go down.

Bond prices also fluctuate based on changes in interest rates. When interest rates rise, bond prices typically fall, and when interest rates fall, bond prices typically rise.

What are bonds?

Bonds are debt instruments issued by government institutions and publicly listed companies to raise capital. When you buy a bond, you are lending money to the issuer.

The issuer pays you interest on the loan at regular intervals and repays the principal amount invested when the bond matures.

About Rajan Dhawan

Rajan has covered personal finance and investing for over 5 years. Previously, he was in the IT field for 8 years after completing his MCA but his deep interest in personal finance led him to become an investing expert. He is passionate about investing, stocks, startups, and cryptos.

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