For decades, India’s middle class has relied on fixed deposits (FDs) as its go-to safe investment option. With over Rs 200 lakh crore currently locked in bank deposits, FDs remain the backbone of household savings. But a quiet financial shift is underway—bonds are now becoming accessible to everyday investors, offering potentially higher returns while retaining the safety factor that depositors value. Advertisement

In a recent YouTube podcast, Sahil Bhadviya, a Data Analytics Consultant and personal finance content creator, explained why bonds deserve a place in middle-class portfolios. “Bonds have been around for years, but were largely limited to high-net-worth individuals because of steep minimum investment requirements and complicated paperwork. Today, thanks to digital platforms, bo

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