Wint Wealth
Wint Wealth is a SEBI-regulated online bond platform enabling Indian retail investors to buy corporate bonds, NCDs, fixed deposits, and Sovereign Gold Bonds starting at ₹1,000, with execution via NSE/BSE RFQ and an integrated NBFC arm.
- Company typePrivate
- Founded2020
- HeadquartersNasik, India
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Wint Wealth does
Wint Wealth is a SEBI-regulated Online Bond Platform Provider (OBPP) operating from Bengaluru under parent entity Fourdegreewater Capital Private Limited, with operating subsidiary Wint Securities Private Limited holding stock broker registration (INZ000313632) in the wholesale debt segment. The platform enables Indian retail investors to access corporate bonds, non-convertible debentures (NCDs), fixed deposits, and Sovereign Gold Bonds starting at a ₹1,000 minimum ticket, advertising 9-12% fixed returns and a stated zero-default track record. Bond transactions are executed through the NSE/BSE Request for Quote (RFQ) mechanism and settled via NCL/ICCL clearing corporations, with securities held in NSDL/CDSL demat accounts through the company's Depository Participant license.
The business operates three revenue streams: transaction fees on bond trades via the SEBI-regulated RFQ platform, affiliate/referral fees from partnered banks and NBFCs for fixed deposit distribution, and transaction fees on Sovereign Gold Bonds through a dedicated subdomain. Distribution is direct-to-consumer via web and mobile apps (10L+ Android and 2L+ iOS downloads) with top-of-funnel demand generated through financial influencer partnerships and educational content. Customer segments are split between mass-affluent retail investors (primary, minimum ₹1,000) and high-net-worth individuals seeking dollar-denominated and Section 54EC tax-saving bonds (secondary). An NBFC arm manages approximately ₹200 crore in assets following the November 2023 acquisition of Ambium Finserve.
In FY25 the company reported operating revenue of ₹44.5 crore, up 2.6x from ₹17.2 crore in FY24, with losses narrowing by over 60% to ₹8.2 crore. Backed by Vertex Ventures SEA & India, Eight Roads Ventures, 3one4 Capital, Arkam Ventures, and Rainmatter (Zerodha), the company closed a ₹250 crore Series B in January 2026 and is pivoting from pure bond distribution into broader wealth management — adding advisory, portfolio management services, and alternative investment structures in FY26.
Wint Wealth firmographics
Firmographics- Name
- Wint Wealth
- Legal name
- Fourdegreewater Capital Private Limited
- Website
- https://wintwealth.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Wint Wealth is a SEBI-regulated online bond platform enabling Indian retail investors to buy corporate bonds, NCDs, fixed deposits, and Sovereign Gold Bonds starting at ₹1,000, with execution via NSE/BSE RFQ and an integrated NBFC arm.
- Ownership category
- akta.pro rank
Wint Wealth industry classification
Industry- Product category
- Online Bond Distribution / Retail Fixed-Income Investing
- NAICS
- Securities and Commodity Contracts Intermediation and Brokerage (5231), Investment Banking and Securities Intermediation (523150), Portfolio Management and Investment Advice (523940)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Electronic Bond Trading Networks (Dealer-to-Client / All-to-All) (FSAFACAE)
- akta.pro secondary industry
- Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)
Keywords
Where Wint Wealth is headquartered
LocationHeadquarters
- HQ city
- Nasik
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Wint Wealth business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Bond Transaction Facilitation: The platform facilitates buying and selling of listed corporate bonds and NCDs through its SEBI-regulated OBPP infrastructure. Revenue is generated through transaction fees charged on trades executed via the exchange RFQ platform.
- Fixed Deposit Distribution: Wint Wealth partners with banks and NBFCs to offer fixed deposit products through its platform, earning referral or distribution fees from Financial Institutions for facilitating FD openings.
- Sovereign Gold Bond Platform: Platform enables discovery and transactions in Sovereign Gold Bonds through a dedicated subdomain (sgb.wintwealth.com), with revenue model based on transaction facilitation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Corporate Bonds - Retail Access |
| Transaction based/ take rate | Pay-as-you-go | Fixed Deposits - Partner Banks/NBFCs |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Wint Wealth product offering
Product offeringCore offering
Wint Wealth operates as a SEBI-regulated Online Bond Platform Provider (OBPP) that distributes listed corporate bonds, non-convertible debentures (NCDs), fixed deposits from partner banks/NBFCs, and Sovereign Gold Bonds to retail investors in India. The platform enables investments starting at ₹1,000 in instruments offering 9-12% fixed returns, with all bond trades executed through the NSE/BSE RFQ mechanism and settled via NCL/ICCL clearing corporations.
Product overview
Wint Wealth operates as a multi-platform fintech offering retail investors access to fixed-income products through its SEBI-regulated ecosystem. The core product is the Wint Wealth Bond Platform (an Online Bond Platform Provider) enabling investment in corporate bonds and NCDs starting at Rs 1,000 with 9-12% returns. The platform layers additional products including a Sovereign Gold Bond Platform for RBI-issued gold bonds and a Fixed Deposit Platform for bank FD comparison and opening. The company is expanding into wealth management services including advisory and portfolio management. The entity Wint Securities Private Limited serves as the SEBI-registered broker (INZ000313632) and Depository Participant facilitating all securities transactions through NSE/BSE RFQ mechanisms and NSDL/CDSL depositories.
Differentiator
Problem solved
Functional benefit
Products and services
- Wint Wealth Bond Platform SEBI-regulated online bond platform enabling retail investors in India to discover, buy, and sell listed corporate bonds, NCDs, and other fixed-income instruments with minimum investment of ₹1,000 and advertised 9-12% fixed returns, with anytime-sell liquidity subject to YTM adjustment. Trades are executed through NSE/BSE RFQ and settled via clearing corporations.
- Sovereign Gold Bond Platform Dedicated platform at sgb.wintwealth.com for retail discovery and transactions in Sovereign Gold Bonds (SGBs) issued by the Reserve Bank of India, with consolidated portfolio view alongside the main bond platform.
- Fixed Deposit Platform Platform at wintwealth.com/fixed-deposit enabling users to compare interest rates across partnered banks, small finance banks, and NBFCs and open fixed deposits digitally, with maturity tracking and nominee facilities.
Quantifiable outcome
- Operating revenue grew 2.6x to ₹44.5 Cr in FY25 from ₹17.2 Cr in FY24, with losses narrowing by over 60% to ₹8.2 Cr
- +2 more outcomes
Companies that use Wint Wealth
Customer profileSegments2 records
Ideal customer profiles2 records
Wint Wealth technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability2 records
Feature4 records
Wint Wealth partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- NSE (National Stock Exchange)coreWint Wealth operates as an exchange member (NSE Member No. 90328) and integrates with NSE's Request for Quote (RFQ) platform for all bond transactions. SEBI-regulated Online Bond Platform Provider compliant with exchange requirements.
- BSE (Bombay Stock Exchange)coreWint Wealth is registered with BSE for bond trading and utilizes the exchange's RFQ platform for trade execution and settlement of listed debt securities.
- Clearing Corporations (NCL/ICCL)coreAll bond transactions are settled through clearing corporations NCL (National Securities Clearing Corporation) and ICCL (Indian Clearing Corporation Limited). Users transfer funds to designated clearing corporation bank accounts for settlement.
- NSDL (National Securities Depository Limited)coreWint Securities is a registered Depository Participant (DP ID: IN304633, DP Registration: INDP7592023) with NSDL, enabling demat account services for holding securities purchased through the platform.
- Partnered Banks and NBFCsminorPlatform partners with multiple banks and non-banking financial companies to offer fixed deposit products through the platform's FD section, enabling comparison and digital management of deposits.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Wint Wealth competitors and assessment
Company assessmentDirect peers
- GoldenPi: Online bond platform providing retail and institutional access to corporate bonds and NCDs in India. Directly comparable to Wint Wealth's core OBPP offering for fixed-income distribution with SEBI-aligned infrastructure.
- Bondskart: Indian online bond marketplace enabling retail investors to discover and invest in listed corporate bonds and government securities. Closely comparable business model focused on retail bond distribution.
- INDmoney: Indian financial supermarket aggregating mutual funds, stocks, FDs, and fixed-income products for retail investors. Comparable as a multi-product wealth platform with overlapping bond and FD offerings.
Broad incumbents
- Groww: One of India's largest retail investment platforms covering mutual funds, stocks, ETFs, and fixed deposits. Comparable as a retail wealth platform that increasingly addresses fixed-income alongside equities.
- Zerodha: India's largest stock broker offering retail access to equities, derivatives, and bonds via Coin and direct debt segments. Investor in Wint Wealth (via Rainmatter) and a broad incumbent with overlapping bond distribution capabilities.
- Paytm Money: Paytm-owned retail investment platform offering stocks, mutual funds, NPS, and bonds. Comparable as a broad wealth platform with bond distribution that competes for the same retail investor wallet.
- Upstox: Indian discount broker offering equities, derivatives, and debt instruments to retail investors. Comparable as a regulated retail broker with overlapping bond distribution and execution infrastructure.
Emerging players
- Kuvera: India-focused direct mutual fund and financial planning platform with growing fixed-income and tax-saving bond offerings. Comparable as a retail investment platform with overlapping debt product ambitions.
- Scripbox: Indian digital wealth management platform focused on mutual funds and goal-based investing, expanding into fixed income. Comparable as a retail wealth-tech player targeting similar mass-affluent customer base.
- Fisdom: India-focused wealth management and stock broking app offering stocks, mutual funds, and digital gold. Comparable as a retail investing platform with overlapping fixed-income and digital asset distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Wint Wealth social profiles
Digital presenceWint Wealth compliance and trust
Trust signalCompliance4 records
Wint Wealth financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wint Wealth leadership team
Management profileNumber of profiles
Profiles6 records
Wint Wealth subsidiaries and ownership
Company hierarchySubsidiaries4 records
Wint Wealth funding detail
Funding detailFunding overview
Funding rounds5 records
Investors19 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wint Wealth M&A and investment
M&A and investmentM&A1 record
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wint Wealth
What does Wint Wealth do?
Wint Wealth operates as a SEBI-regulated Online Bond Platform Provider (OBPP) that distributes listed corporate bonds, non-convertible debentures (NCDs), fixed deposits from partner banks/NBFCs, and Sovereign Gold Bonds to retail investors in India. The platform enables investments starting at ₹1,000 in instruments offering 9-12% fixed returns, with all bond trades executed through the NSE/BSE RFQ mechanism and settled via NCL/ICCL clearing corporations.
Is Wint Wealth a public or private company?
Wint Wealth is a private company. It is classified as venture growth investor backed and is currently operating.
When was Wint Wealth founded?
Wint Wealth was founded in 2020. It employs 101 to 250 people.
Where is Wint Wealth based?
Wint Wealth is headquartered in Nasik, India, in the Asia region.
How does Wint Wealth make money?
Three revenue lines are on record. Bond Transaction Facilitation is the primary driver. The others are fixed Deposit Distribution and sovereign Gold Bond Platform.
Who are Wint Wealth's main competitors?
Direct peers on record are GoldenPi, Bondskart and INDmoney. Broad incumbents are Groww, Zerodha, Paytm Money and Upstox. Emerging players are Kuvera, Scripbox and Fisdom.
Does Wint Wealth have an API?
No public API is recorded for Wint Wealth.
What industry is Wint Wealth in?
Wint Wealth's product category is Online Bond Distribution / Retail Fixed-Income Investing. Its primary akta.pro industry code is FSAFACAE, Electronic Bond Trading Networks (Dealer-to-Client / All-to-All), with a secondary code of FSAAAAAI, Execution-Only / Self-Directed Investing Platforms. Its NAICS code is 5231 and its SIC code is 6211.