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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 July 2026
| Wint Wealth | Stable Money | |
|---|---|---|
| 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 (90363) and BSE (6829) OBPP; both shown active as of Jul 2026. |
| Minimum investment | From ₹1,000 (as marketed). | From ₹1,000 on bonds; FDs vary by bank. |
| 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) for six months (21 May–20 Nov 2026); no specific reason was publicly disclosed. This affects mutual funds, not the bond platform. |
| Skin in the game | States a ~2% co-investment in each listed bond. | No comparable co-investment claim stated. |
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 is under an AMFI suspension through late 2026. 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 · Stable Money
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