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Wint Wealth vs Stable Money

Both are SEBI-registered platforms, but they come at fixed income from opposite ends: Wint Wealth is a bonds-first platform built around a curated high-yield NBFC shelf, while Stable Money began as a fixed-deposit comparison app and added bonds alongside FDs. Here is the honest, side-by-side picture — including the regulatory flag on each.

Platform facts verified September 2026

	Wint Wealth	Stable Money (Stable Bonds)
Core product	Bonds-first: a curated shelf of NBFC/corporate bonds and securitised debt instruments (SDIs).	FD-first: started as a fixed-deposit comparison app; listed bonds are a newer, narrower add-on alongside FDs.
SEBI / OBPP registration	Registered — Wint Securities Pvt Ltd (formerly Fourdegreewater Services Pvt Ltd), INZ000313632, NSE OBPP.	Registered — Stable Broking Pvt Ltd, INZ000314637, NSE OBPP member 90363 (active, NSE list updated 16 Sep 2026). Its BSE OBPP arm (6829) was voluntarily closed from 27 Nov 2025.
Minimum investment	From ₹1,000 (as marketed).	From ₹1,000 on bonds; FDs vary by bank.
Scale (bond sales per month)	~₹900 crore a month — about half of all online-bond-platform transactions, the largest (NSE data via Moneycontrol, 2 Sep 2026).	~₹600 crore a month — the second largest (NSE data via Moneycontrol, 2 Sep 2026).
Bond shelf & credit profile	Deeper, higher-yield shelf skewing sub-AAA (A to AA NBFC/securitised paper, typically secured), plus SDIs.	Narrower, more investment-grade-leaning shelf; fewer high-yield/structured options and thinner public curation detail.
Advertised returns	9-12% pre-tax YTM on bonds (issuer- and rating-dependent).	FDs up to roughly 8.25-8.5% (home page ~8.30%, as of Jul 2026); bonds advertised up to 9-12% YTM, rating-dependent.
What you really pay	"Zero brokerage" to the investor; revenue is an embedded, per-bond-undisclosed price spread plus issuer arranger/distribution fees.	"Zero brokerage" framing too; earns a dealer spread on bonds and distribution commissions on FDs (regular MF plans embed trail commission in the fund's expense ratio).
Exit before maturity	Hold-to-maturity in practice; secondary-market liquidity for retail lots is thin.	Hold-to-maturity for bonds; FDs may offer premature-withdrawal terms depending on the bank.
Regulatory / material flags	SEBI adjudication penalty of ₹1 lakh (21 Nov 2025, statutory minimum) for routing most bond trades OTC instead of via the exchange RFQ platform; no investor loss established.	AMFI suspended its mutual-fund distribution arm (Stable Finserv) in May 2026 without a public reason and reinstated it early, in August 2026. It affected mutual funds only — FDs and bonds kept running. Separately, it voluntarily closed its BSE OBPP arm in Nov 2025 (NSE remains active).
Skin in the game	States a ~2% co-investment in each listed bond.	No comparable co-investment claim stated.

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Wint Wealth or Stable Money: who each one suits

Pick Wint Wealth if

You want a bonds-first platform with a deeper shelf of secured NBFC and securitised bonds
You understand that 9–12% yields are payment for sub-AAA credit risk, and you will hold to maturity
You value the platform stating a ~2% co-investment in each bond it lists

Pick Stable Money if

Your starting point is fixed deposits and you want FDs and bonds in one app
You prefer a narrower, more investment-grade-leaning bond shelf
You are comfortable backing a young, loss-making company (FY25 net loss ~₹44.8 crore)

Which should you pick?

If you specifically want bonds — a deeper high-yield shelf, securitised instruments and a bonds-native experience — and you understand that the returns ride on sub-AAA NBFC credit, Wint Wealth is the more purpose-built choice; just treat it as hold-to-maturity and read each issue's rating. If your starting point is fixed deposits and you want a single app to hold FDs with some bonds alongside, Stable Money fits that habit better, with the caveat that its bond shelf is narrower and its mutual-fund arm went through an AMFI suspension in May–Aug 2026 (since lifted). Neither is a substitute for the capital safety of a bank FD or a government bond: on both platforms the bond returns depend on the issuer paying, and pre-maturity liquidity is limited. Whichever you pick, verify the specific bond's credit rating and maturity before investing.

Read the full reviews: Wint Wealth review · Stable Money review

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Sources

This comparison is for information only and is not investment advice. Bond investments carry credit and liquidity risk, and fixed returns are not guaranteed returns; verify current details on each platform and check the issuer’s credit rating before investing. Facts last verified September 2026.

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Frequently asked

What people ask when choosing between Wint Wealth and Stable Money.

It depends on what you are buying. For bonds specifically, Wint Wealth is the more purpose-built platform: a deeper shelf of secured NBFC and securitised bonds yielding roughly 9–12%, a stated ~2% co-investment in each bond, and the largest bond volumes of any online bond platform (~₹900 crore a month). If you start from fixed deposits and want bonds alongside them in one app, Stable Money fits better, with a narrower, more investment-grade-leaning bond shelf. On both, returns depend on the issuer paying and bonds are effectively hold-to-maturity.

Stable Money is a legitimate, SEBI-registered platform: its bonds are sold through Stable Broking Pvt Ltd (INZ000314637), an active NSE online bond platform (member 90363, NSE list updated 16 Sep 2026). Bank FDs booked through it sit with the bank under DICGC cover up to ₹5 lakh per bank (NBFC FDs are not covered). The caveats: it is young and loss-making, its mutual-fund arm was suspended by AMFI in May 2026 and reinstated in August 2026, it closed its BSE bond-platform arm in Nov 2025, and bond liquidity is thin. Don't confuse it with 'Stable Investments', a different company hit by a SEBI order in Nov 2024.

Wint Wealth is SEBI-registered (Wint Securities Pvt Ltd, formerly Fourdegreewater Services, INZ000313632) and an NSE online bond platform, and your bonds settle into your own demat account. The risk is the bonds themselves: the shelf is mostly sub-AAA NBFC and securitised paper, so returns depend on the issuer paying, and its 'zero defaults' line is self-reported. SEBI fined the entity ₹1 lakh (the statutory minimum) on 21 Nov 2025 for routing most of its bond trades off the exchange RFQ platform; no investor loss was established.

Yes — Stable Bonds is Stable Money's bond platform. Bonds are offered by Stable Broking Pvt Ltd, whose entry on NSE's list of registered online bond platforms (16 Sep 2026) gives the website stablebonds.in. The Stable Money app also distributes bank and NBFC fixed deposits.

Both market bonds as 'zero brokerage', so there is no commission line at checkout. Both earn a spread built into the bond price — they source a bond at one yield and offer it to you at a slightly lower yield — and neither discloses it per bond. Wint also earns arranger and distribution fees from issuers; Stable earns distribution commissions on the FDs it sells. Compare the net yield (YTM) on the order screen, not the word 'zero'.

You can place a sell request, but for retail-sized lots the secondary market is thin on both platforms, so there is no assurance of a buyer at a fair price. Treat bonds on either as hold-to-maturity. Stable Money's bank FDs are different: premature withdrawal is usually allowed with the bank's penalty.

Stable Money's bond business is regulated by SEBI, not the RBI: it runs through Stable Broking Pvt Ltd, a SEBI-registered online bond platform. The fixed deposits it distributes are issued by banks and NBFCs that are themselves regulated by the RBI, and bank FDs carry DICGC deposit insurance up to ₹5 lakh per bank.

Both market bonds from about ₹1,000, but the actual minimum depends on the bond's price and lot size, so check each listing. FD minimums on Stable Money vary by bank.