Who actually executes the bond trade?

A SEBI-regulated Online Bond Platform Provider executes every order on NSE or BSE. Blostem is the orchestration layer — it runs the interface, the KYC flow, order routing and status updates. Blostem is not the broker and does not hold client funds or securities.

Where do the bonds and the money sit?

Securities settle into the customer’s own demat account with CDSL or NSDL, in their own name — never an omnibus or a platform-held pool. Payment flows to the OBPP, and trades clear through ICCL or NSCCL, the same rails any broker uses.

How long does KYC take, and is it reusable?

PAN fetch to Aadhaar e-sign happens in one sitting, in minutes, entirely in-app — no offline forms, no callback queue and no hop into a third-party flow. In-person verification is a selfie and signature captured on the partner’s secure panel, which opens and closes inside your screen. The completed KYC is KRA-portable, so your user can carry it across any SEBI-registered intermediary.

Can users exit before maturity?

Yes. Users raise a sell request on any holding at any time from inside your app — there is no lock-in to maturity. The request goes to the dealer desk at the partner OBPP, whose market-maker book supports two-way quotes and faster fills. Units stay with the user until the sale settles, and the status updates in the portfolio as it is processed.

What does it cost our users?

No brokerage and no platform fee on bond orders. Users invest the full amount they enter — nothing is skimmed off the top. Partner commercials are a basis-point plus flat structure rather than a percentage take on the customer.

How long does it take to go live?

Two to four weeks for a typical partner, against three to six months for a direct OBPP build and six to eight weeks for a generic white-label. The SDK ships with your brand, colours and logo, and you curate the catalogue by credit rating and minimum investment.

Which bond types are supported?

Primary issuance, secondary market paper, government securities and tax-free bonds — all through the same integration. Every instrument listed on the platform is credit-rated and curated before it reaches your users, and there has not been a single default across the shelf to date.

Is the experience really white-label?

Yes. It is a native in-app SDK — no redirect and no webview. It ships with your brand, colours and logo, with zero Blostem chrome. The only Blostem presence is the regulatory attribution line required on KYC and order screens.

Live — orders executed by a SEBI-regulated OBPP

Bond Investing Infrastructure

Name: Blostem Bond Investing Infrastructure
Brand: Blostem
Availability: InStock

Buy, hold and sell — inside your app

Curated primary, secondary, government and 54EC capital gains bonds — catalogue, KYC, orders, portfolio and exit, with securities settling into each customer’s own demat.

For platforms that want a fixed-income shelf without becoming a broker.

Start integration

See how it works

Zero defaults to dateKYC in minutesZero brokerage

Up to ~12%Attractive returns · YTM

2–4 wksTypical time to go live

₹10,000Minimum investment per lot

ZeroBrokerage and platform fee

One SDK99.95% uptime

The problem

Building bond infrastructure in-house?

Here’s what that actually looks like.

3–6 months for each OBPP

Broker-by-broker integration

Different APIs, KYC vendors, settlement processes, compliance and infosec sign-offs for every bond partner.

100 + Checkpoints

Built-in compliance

KYC, consent management, validations — built into the infrastructure from day one.

Daily ops

Service, support & recon

Payment reconciliation, order status mismatches, demat credit tracking, and customer query handling — every single day.

3–5 engineers/year + Dedicated Product Team

Permanent maintenance

Yields change, ISINs change, APIs change, regulations change — forever.

Trust network

The embedded-finance layer India’s fintechs already trust.

One integration puts a fixed-income product in front of millions — through the same distribution network already live on Blostem, and a regulated execution & custody stack behind it.

Bank & NBFC Partners

Fintech Partners

What decides whether users invest

Four things a bond product has to get right.

Trust

Curated, rated paper

Every instrument is credit-rated and reviewed before it can reach your catalogue — and nothing listed on the platform has defaulted to date.

Onboarding

KYC in one sitting

PAN fetch through to Aadhaar e-sign takes minutes and never leaves your app. No offline forms, no callback queue, no handoff into somebody else’s flow.

Liquidity

An exit before maturity

A sell request can be raised on any holding at any time, and it reaches a dealer desk with a real market-maker book behind it rather than a waiting list.

Cost

The full amount invested

No brokerage and no platform fee on bond orders, so the yield shown is the yield earned. Partner economics sit in the spread, not on the customer.

And on your side of the integration

Runs as your product

Your brand, colours and logo throughout — a native SDK, not a redirect or a webview.

You choose the catalogue

Filter what users see by credit rating, instrument type and minimum ticket size.

Held in the user’s name

Securities settle into the customer’s own demat account, never a pooled one.

What you can list

The shelf, your brand, and the controls around it.

The shelf

Curated catalogue

Primary issuance, straight from the issuer
Secondary market paper, listed on NSE and BSE
Government securities
54EC capital gains bonds

Your product

White-label solution

Customised brand theme — fonts, colours and logo
You control what is shown, and to whom

Sign-off

Compliance & security

Bonds fulfilled through a SEBI-regulated OBPP
ISO 27001 certified
Bank-grade security
VAPT certified, data localised in India

Retention

User engagement

Control over what each segment sees
Customisation of copy, colour and layout
Nudges at the right point in the journey
Notifications for payouts, maturity and status

Reading a bond card

YTM: Yield to maturity — the annualised return if the bond is held to the end, taking the purchase price into account.
Coupon: The interest the issuer pays on face value, credited monthly, quarterly or annually to the registered bank account.
ISIN: The 12-character code identifying the exact instrument, so a holding is never ambiguous across systems.
T+1 settlement: Units are credited to the customer’s demat one working day after the trade is executed.

How an order actually moves

Who executes the trade, and where the bond ends up.

This is the question every risk and compliance team opens with, so it is worth answering before anything else. Blostem does not become the broker and never holds client money or securities. It orchestrates the journey; a SEBI-regulated Online Bond Platform Provider executes on exchange; the depository credits the customer directly.

Customer

In your app

Places the order inside your branded flow.

Blostem SDK

Orchestration only

UX · KYC · routing · status.

OBPP

SEBI-regulated broker

Executes on NSE / BSE.

Depository

Customer’s own demat

CDSL / NSDL · in their name.

Own demat, never a pool

Bonds settle into the customer’s own demat — not an omnibus or a Blostem-held pool.

Exchange-settled

Trades clear through ICCL / NSCCL on NSE & BSE — the same rails as any broker.

Funds never touch Blostem

Payment flows to the OBPP; Blostem holds no client funds or securities.

Screen by screen

What a bond purchase looks like to your user.

Discover & invest

Verify & pay

Hold & exit

AHi Aarav

Why Bonds?

High yield available

11.38%YTM

Min investment

₹10,000

Tenure

2y 3m 20d

Muthoottu Mini

₹10,000 min. investment

→

AllHigh YieldSafeIPO

Top OpportunitiesSee all

Muthoottu Mini

INE101Q07BR3 · NCD

Yield

11.38%

Matures

Oct 2028

Monthly payoutInvest

Svatantra Microfin

INE00MK08052 · NCD

A+

01 · Discovery

A shelf that sells itself

The user lands already signed in. Live yields sit at the top, curated paper below, and filters keep the shelf skimmable rather than overwhelming.

Highest live YTM surfaced as the hero card
Filters for high-yield, safe and IPO paper
Credit rating on every instrument, before the click

01 / 10

Build options

Four ways to put bonds in an app, compared.

Every platform adding fixed income picks one of these four routes, and the trade-offs between them are structural rather than cosmetic. Worth seeing side by side before the work gets scoped. No vendor names — just the shape of each option.

Swipe to compare

Comparison of ways to add bond investing to a platform
Capability	Direct with one OBPP	Bond-API vendor	Generic white-label	Blostem Bonds
Highest YTM for the same ISIN	Not supported	Not supported	Partial or via workaround	Supported
Primary + Secondary + G-Sec + Tax-free	Partial or via workaround	Partial or via workaround	Partial or via workaround	Supported
Native in-app SDK — no redirect or webview	Not supported	Not supported	Partial or via workaround	Supported
One-time KYC, in-app & KRA-portable	Partial or via workaround	Not supported	Partial or via workaround	Supported
In-app sell / exit liquidity	Partial or via workaround	Not supported	Partial or via workaround	Supported
Settles to the customer’s own demat	Not supported	Partial or via workaround	Supported	Supported
Fully themed to your brand	Not supported	Not supported	Partial or via workaround	Supported
Time-to-live	3–6 mo	6–8 wks	6–8 wks	2–4 wks
Commercials	Rev-share	Per-API	%-take	bps + flat

Native Partial / via workaround Not supported

What integration involves

From kickoff to first order in two to four weeks.

Because execution and custody sit with the OBPP and the depository, there is no broking licence to obtain, no settlement engine to build and no dealer desk to staff. What is left is scoping, theming and certification — roughly three weeks of work shared between two teams.

Week 1

Scope & sign-off

Technical fit call and SDK handoff walkthrough
Catalogue rules — rating floor, minimum ticket, bond types
Brand kit: logo, colours, typography
Risk and compliance review of the custody model

Week 2

Integrate & theme

SSO handoff so users arrive already signed in
Contact, bank and demat prefill mapped from your profile
Theme applied end to end — zero Blostem chrome
Sandbox orders against live instrument data

Weeks 3–4

Certify & launch

Full KYC run-through including in-person verification
Order, settlement and sell-request dry runs
Disclosure and disclaimer sign-off with your legal team
Production release — and your first live bond order

Common questions