GoldenPi

GoldenPi is a Bengaluru-based fintech company, that has pioneered the online distribution of bonds and debentures to retail investors in India. Operating in the financial services sector, GoldenPi’s mission is to democratize access to fixed-income investment options—traditionally reserved for high-net-worth individuals and institutions—by making them available to everyday investors through a seamless digital platform.

Core Products and Services

•  Online Bond and Debenture Marketplace: GoldenPi provides an intuitive online platform where investors can explore and invest in a wide range of fixed-income securities, including listed corporate bonds and debentures. 

• Non-Convertible Debenture (NCD) IPO Access: Investors can participate in upcoming NCD IPOs directly through GoldenPi, using a seamless digital process similar to equity IPOs. 

• Corporate Fixed Deposits (FDs): GoldenPi offers access to high-yield corporate fixed deposits from various companies. These FDs typically provide higher returns compared to traditional bank FDs

• Government Securities and Sovereign Gold Bonds (SGBs): The platform enables investments in government-backed securities and Sovereign Gold Bonds, providing safe and stable options for risk-averse investors.

• Seamless Digital Onboarding and KYC:GoldenPi handles the entire investment process, including digital onboarding, KYC verification, and transferring bond units to the investor’s Demat account. 

• Real-Time Portfolio Tracking and Notifications: Investors receive real-time notifications on incoming payments, interest and other updates related to their bond investments.

• Technology Solutions for Issuers: GoldenPi offers a SaaS-based solution to debt issuers, enabling them to list and distribute their securities efficiently to a large retail audience. 

Business Model & Revenue Streams

• Issuer Fees: GoldenPi’s principal revenue comes from fees charged to issuers for listing their bonds and debentures on the platform. Issuers pay for access to GoldenPi’s distribution network and technology stack, as well as transaction-based commissions for each investment facilitated through the platform.

• SaaS Solutions: For larger issuers (with proprietary books of ₹50 crore or more), GoldenPi offers a SaaS model, enabling seamless integration and automated listing of their instruments.

• No Direct Retail Charges: Retail investors are not charged any fees for investing through GoldenPi, which enhances platform adoption and trust.

Customer Segmentation

• B2C: Retail investors, including middle-aged professionals, retirees and those seeking to diversify beyond traditional fixed deposits and equities.

• B2B: Corporate and government bond issuers, financial institutions and intermediaries.

Growth Strategy

• Market Expansion: Partnering with financial media (e.g., Moneycontrol) to broaden investor education and platform reach.

• Product Innovation: Continuously expanding its fixed-income offerings, including support for NCD IPOs and new types of bonds.

• Technology Leadership: Leveraging its proprietary tech stack to simplify onboarding for issuers and investors and to maintain a scalable, robust marketplace.

• Regulatory First-Mover Advantage: Early compliance with SEBI’s OBPP guidelines has positioned GoldenPi as a trusted, transparent leader in the online bond investment space.