Understanding Prachay Bonds: How to Earn 13% Yields via Securitized Debt

n a volatile stock market, “Securitized Debt Instruments” (SDIs) offered via platforms like Prachay are gaining traction. These are essentially pools of loans (like vehicle or gold loans) that are “packaged” into a bond. When the borrowers pay back their loans, you—the investor—receive a portion of that interest.

Why Investors are Interested:

• Monthly Income: Most Prachay offerings pay interest monthly, making it a favorite for those seeking regular cash flow.
• Asset-Backed: Unlike “unsecured” personal loans, these are backed by physical assets (vehicles, machinery, or gold).
• Yield Comparison: While a Bank FD offers 7-7.5% in 2026, Prachay is targeting the 12.5% to 13% range.

Official Links & Verification:

• Prachay Official Investment Portal
• Prachay Bonds