Question 1

What is Grip?

Accepted Answer

Grip is a SEBI-registered online bond platform — your one-stop destination for fixed-income investing. Invest in credit-rated corporate bonds, securitised debt instruments (SDIs), Debt Mutual Funds and corporate fixed deposits. Start with as little as ?1,000 and earn fixed returns of up to 12.5% p.a.

Question 2

How does Grip work?

Accepted Answer

Grip makes fixed-income investing simple. Browse curated investment opportunities, invest securely through NSE-linked exchange mechanisms, and track all your holdings in one place via your Grip demat account — end to end, on one platform.

Question 3

What investment options are available on Grip?

Accepted Answer

Grip offers three asset classes: Corporate Bonds — listed, credit-rated debt from established companies. Securitised Debt Instruments (LoanX and InvoiceX) — asset-backed instruments offering diversified exposure. Corporate Fixed Deposits — higher-yield FDs from rated corporates.

Question 4

Is Grip regulated?

Accepted Answer

Yes. Grip Broking Private Limited is a SEBI-registered Online Bond Platform Provider (OBPP), registration number INZ000312836, and an NSE-listed member (member code: 90319). Grip is also a DP registered with SEBI with registration number DP Reg. No.: IN-DP-809-2025, NSDL DP ID: IN304877. Your investments and holdings operate under a strict regulatory framework.

Question 5

Who can invest on Grip?

Accepted Answer

Any Indian resident with a valid PAN and KYC documentation can invest on Grip.

Question 6

Does Grip charge any fees?

Accepted Answer

No hidden fees, ever. Applicable TDS deductions are disclosed upfront. What you see is what you get — complete transparency, always.

Question 7

Do I need a demat account to invest on Grip?

Accepted Answer

Yes, a demat account is required. You can open your Grip demat account quickly during onboarding — it takes just a few minutes, and you'll be ready to invest right away.

Question 8

Who issues the investments listed on Grip?

Accepted Answer

Investments are issued by corporates and NBFCs, and SEBI-regulated Trusts, in case of SDIs (called issuers). Grip is the platform that curates and provides access to these opportunities — not the issuer. Your returns depend on the issuer, not Grip.

Question 9

How does Grip evaluate investment opportunities before listing?

Accepted Answer

Every opportunity on Grip goes through a structured process: Investment grade, rating and listing status, any negative media news, whether the security is allowed to be distributed under SEBI regulations, credit checks, financial due diligence, and risk assessment — before it's ever listed. We strongly encourage investors to read all investment-related documents carefully before committing funds.

Question 10

How can I contact Grip support?

Accepted Answer

Email us anytime at support@gripinvest.in — our team is here to help.

Question 11

Are non-individual entities (Corporates, HUF, Trust, Partnership Firms, LLPs) allowed to invest?

Accepted Answer

Yes, non-individual entities can invest on Grip. Digital KYC is currently not available for non-individuals — to complete your KYC, email us at support@gripinvest.in and our team will guide you through the account opening process.

Question 12

What is the difference between interest income and coupon income on bonds?

Accepted Answer

They are the same thing. The interest paid by a bond issuer is called a coupon. When the issuer pays your coupon (periodically or at maturity), that amount is your interest income and is taxable at your slab rate. The coupon rate is the annual interest rate stated on the bond. For example, a bond with a face value of INR 1,000 and a 9% coupon pays you INR 90 per year as interest income.

Question 13

Will TDS be deducted at source if I hold a bond for only part of the year?

Accepted Answer

Yes — the issuer calculates the actual interest paid or accrued to you during the financial year. If that amount crosses INR 10,000 (even for a partial year), TDS will be deducted. For example, if you invest in a bond in January 2027 and it pays INR 2,500 of interest before March 2027, TDS will not be deducted for that year. But if the interest paid in that partial period exceeds INR 10,000, TDS will apply.

Question 14

Can I avoid TDS being deducted?

Accepted Answer

Yes — if you are eligible. You can submit a TDS exemption declaration to the issuer, which tells them that your total income is below the taxable limit and no tax should be deducted. Under the new Income Tax framework (from April 2026), the applicable forms are Form 121 and Form 128, which replace the earlier Forms 15G/15H and Form 13. Form 121 (for bonds) and Form 128 (for SDIs) are valid for one tax year and must be renewed annually. You must be an Indian Resident Individual or HUF to be eligible. Your tax liability for the tax year must be nil.

Question 15

What are the KYC documents needed to sign up with Grip?

Accepted Answer

To ensure a smooth signup process, we request the below mentioned documents from you. Please note our one-time KYC process follows norms prescribed by SEBI. We also take the privacy of your information very seriously and follow an ISO certified process. a. PAN Card: Please upload your PAN card on Link. This document helps us verify your identity as per compliance.. b. Aadhaar Card: . An Aadhaar card is required for identity verification and is a crucial document in the onboarding process. Upload a copy of your Aadhaar card to DigiLocker or provide us access to the Aadhar details available on DigiLock by clicking on Link. c. Address Proof (if different from Aadhaar Card): In case your current address differs from the one on your Aadhaar card, please provide a document to serve as proof of your current address. This could be a utility bill, rental agreement, or any other government-issued address proof. d. Bank Account Details: We require your bank account details for seamless fund transfers and investment transactions. Please provide your account number, IFSC code, and bank branch details in the bank details module to complete the KYC. You can only invest in the investment opportunities on the Grip platform via the bank account you register with us through the KYC process e. CMR/CML or Holding Statement of Your Demat Account: If you have an existing Demat account, please upload your CMR (Client Master Report) or CML (Client Master List) or Holding Statement. This is a document provided by your Demat account provider of your stock broker. This document helps us ensure that your investments on Grip are credited to your Demat account.  In case you do not have a Demat account, please reach us at support@gripinvest.in To expedite the KYC process, we recommend that you ensure your documents are up-to-date on DigiLocker. Grip is integrated with DigiLocker and you can give access to your updated KYC documents via DigiLocker on the Grip platform.  Once these documents are uploaded on Grip platform, the documents go under verification and validation process. Please note that it takes 2 business days to complete the verification process and your KYC to get approved. After your KYC is approved, you can start your investment journey on Grip.

Question 16

Is linking of PAN with Aadhaar compulsory?

Accepted Answer

As per mandate by Government of India, linking of PAN with Aadhar is mandatory.

Question 17

Why is a live photo (selfie) taken?

Accepted Answer

This KYC step is also mandated by SEBI for all brokers. Firstly, it helps us verify that the account is being opened for the actual user whose name is associated with it. This adds an extra layer of security to your investments. Secondly, it allows us to confirm the location of the investor. This is particularly significant because under SEBI regulations there are certain types of securities that NRIs are currently restricted from investing in. By taking a live photo, we ensure compliance with these rules and provide a secure and compliant investment experience to our users.

Question 18

Where can I see all my investments on Grip?

Accepted Answer

All your investments are visible under the Portfolio section in the Grip app or website. You can view holdings by asset type (bonds, SDIs, FDs) and payout history — all in one place.

Question 19

When will I receive my interest payouts?

Accepted Answer

Payout frequency depends on the product: bonds may pay monthly, quarterly, or at maturity; SDIs typically pay monthly; corporate FDs offer monthly, quarterly, annual, or cumulative payout options. The exact schedule is shown on each deal's page before you invest.

Question 20

Where are my payouts credited?

Accepted Answer

All payouts — interest and principal — are credited directly to your demat-linked bank account as per the payout schedule of each investment.

Question 21

Can I see TDS deducted on my investments?

Accepted Answer

Yes. Go to Portfolio > Returns/TDS to view a summary of interest received and TDS deducted per ISIN. You can also cross-check this on your Form 26AS or AIS on the Income Tax portal.

Question 22

How long does it take to receive proceeds after selling?

Accepted Answer

Bond and SDI sell transactions typically settle within 1 working day. Proceeds are credited to your registered bank account after settlement.

Question 23

What are the Terms and Conditions for this program?

Accepted Answer

1. Rewards are applicable only on successful investments made and held as on the date of payment of the referral. 2. Referrer earns 1% of trade value, capped at Rs 2,000 per investment by a referred user. 3. Rewards applicable for 6 months from the referee’s first investment. 4. Referral rewards applicable upto 10 referees only. 5. Maximum lifetime earning capped at Rs 50,000. 6. To receive referral rewards from your friends' investments, you must complete your KYC according to the requirements of the SEBI OBPP license. 7. The referral rewards earned are subject to Tax Deduction at Source (TDS) at a rate of 5% under section 194H on amounts exceeding INR 15,000 in a Financial Year. 8. Grip reserves the right to modify or withdraw the program. 9. Referral rewards are applicable only if the referred user holds the invested Bonds/SDIs until maturity.In case the referred user exits or sells the investment before maturity, Grip reserves the right to adjust, withhold, or claw back any associated referral rewards, including adjustment against future rewards payable. 10. Grip reserves the right to withhold, reverse, or block referral rewards in cases of suspected misuse, including but not limited to: a. Artificial or non-genuine buy/sell transactions intended to generate referral rewards b. Circular transactions or fund rotation between accounts to create referral benefits c. Any activity deemed to be manipulative, abusive, or not in line with genuine investment intent 11. For detailed terms and conditions, refer to Terms

Question 24

When do I get my reward?

Accepted Answer

Rewards are credited after successful investment by your referred friend on the 10th of next month.

Question 25

Is there a limit to how many friends I can refer?

Accepted Answer

While we would love for you to refer as many friends as possible, referral rewards are only applicable on up to 10 friends.

Question 26

How long can I earn from one referral?

Accepted Answer

You earn rewards for 6 months from the first investment of your friend. You earn for 6 months whenever your referee starts investing.

Question 27

What is ‘Sell Bonds Anytime’?

Accepted Answer

"Sell Bonds Anytime" means investors can sell bonds purchased through Grip Invest. This feature offers flexibility and liquidity by allowing sales through Grip's platform.

Question 28

When can I place a sell order for my bonds with my broker?

Accepted Answer

Sell orders for bonds can be placed only on exchange working days—Monday to Friday—excluding market holidays. The trading window is open from 9:30 AM to 2 PM.

Question 29

Which Bonds are eligible for ‘Sell Bonds Anytime’?

Accepted Answer

You can sell any bond purchased through Grip using the ‘Sell Bonds Anytime’ feature.

Question 30

When can I sell the Bonds I bought?

Accepted Answer

You can sell bonds bought on Grip after a holding period of two months from the investment date. The sell option in your portfolio will automatically become active once the two-month period is completed.

Question 31

How will I submit Form 121 through Grip?

Accepted Answer

You can now submit it online in just a few clicks, with no manual filling. Faster, simpler, and completely seamless.

Question 32

How to submit Form 121

Accepted Answer

Go to My Portfolio ? My Holdings Select the 3 dots (?) next to your investment Choose Fill Form 121 Click here to fill form 121.

Question 33

What is the income limit for eligibility under Form 121?

Accepted Answer

You are eligible to submit Form 121 if your estimated income tax liability for Tax Year 2026-27 is nil — meaning after accounting for all your income from all sources (salary, interest, pension, rent, business income, etc.) and after considering applicable deductions, set-offs of losses, and any rebate available to you, the total tax payable comes to zero.

Question 34

What are corporate bonds?

Accepted Answer

Corporate bonds are debt instruments issued by companies to raise funds. When you invest, you're lending money to the company in exchange for fixed, scheduled interest payments — and your principal back at maturity.

Question 35

How do bonds work?

Accepted Answer

You invest a fixed amount, earn periodic interest (coupon), and receive your principal back at maturity — or in staggered installments, depending on the bond structure. Always review the return schedule and cash flows timeline before investing.

Question 36

What is a coupon rate?

Accepted Answer

The coupon rate is the fixed annual interest rate a bond pays on its face value. For example, an INR 1,000 bond with a 9% coupon pays INR 90 per year.

Question 37

What is YTM?

Accepted Answer

YTM (Yield to Maturity) is the total return you'd earn if you hold the bond until it matures — factoring in interest payments and capital repayment. It factors in the time value of money and is generally considered to be one of the most complete measures of a fixed return opportunity, including a bond's return.

Question 38

What are credit ratings in bonds?

Accepted Answer

Credit ratings (like AAA, AA, A) assess how likely an issuer is to repay its debt. Higher ratings mean lower risk. Always check a bond's rating before investing.

Question 39

What are Securitised Debt Instruments (SDIs)?

Accepted Answer

SDIs are SEBI-regulated fixed-income instruments backed by a pool of loans and cash collateral. As an investor, you earn returns from the cash flows generated by these underlying assets.

Question 40

How do SDIs work?

Accepted Answer

A pool of assets (such as loan receivables) is bundled and converted into securities through a SEBI-regulated Trustee. Investors receive regular payouts — interest and principal — from the cash flows generated by those assets, as per the payout schedule.

Question 41

Who is the originator in an SDI?

Accepted Answer

The originator is the entity (e.g., an NBFC) that owns the underlying assets and transfers them into the SDI structure. The originator continues to service the asset pool and ensure collections.

Question 42

What are Corporate Fixed Deposits?

Accepted Answer

Corporate FDs are fixed-income instruments offered by companies and NBFCs. You deposit a fixed amount for a chosen tenure and earn guaranteed interest at a pre-agreed rate — typically higher than bank FDs.

Question 43

What returns can I expect from corporate FDs?

Accepted Answer

Corporate FDs on Grip typically offer returns in the range of 6–9% p.a. — higher than most bank FDs — depending on the issuer and tenure.

Question 44

What tenures are available for corporate FDs?

Accepted Answer

Tenures typically range from 7 days to 5 years, depending on the issuing company. Choose the duration that suits your financial goals.

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