Fixed Income

Ensure financial stability and predictable returns with secure fixed-income investment options. We help you choose the right instruments by comparing rates, features, and tax benefits, ensuring they align with your financial goals and risk appetite.

What We Offer

• Fixed Deposits (FDs):

  • High-yield options from trusted banks, NBFCs, and post offices.
  • Flexible tenures with options for cumulative or non-cumulative interest payouts.
  • Tax-saving FDs under Section 80C of the Income Tax Act.

• Non-Convertible Debentures (NCDs):

  • Corporate debt instruments offering higher returns than traditional fixed deposits.
  • Secured and unsecured NCDs to suit different risk profiles.
  • Regular interest payouts with tenures ranging from medium to long term.

• Bonds:

  • Government bonds: Safest option with assured returns and sovereign backing.
  • Tax-free bonds: Generate income exempt from taxes, ideal for high-income earners.
  • Corporate bonds: Diversify with varying yields and risk levels.

Key Features

• Interest Rates:

  • Competitive rates tailored to your investment preferences and tenure requirements.
  • Access to premium rates for senior citizens or long-term deposits.

• Tax Efficiency:

  • Options like tax-free bonds or 5-year tax-saving FDs to optimize post-tax returns.
  • Detailed guidance on the tax implications of interest income and capital gains.

• Liquidity Options:

  • Select instruments with easy withdrawal or redemption terms for flexibility.
  • Assistance in choosing secondary market bonds for enhanced liquidity.

Benefits of Fixed-Income Instruments

• Capital Preservation: Safeguard your principal investment from market volatility.
• Predictable Income: Receive assured interest payouts at regular intervals.
• Portfolio Diversification: Balance riskier investments with stable fixed-income options.
• Goal-Oriented Solutions: Tailored options for retirement planning, children’s education, or wealth preservation.

Who Should Consider This?

• Conservative Investors: Prioritize safety and assured returns over high-risk, high-reward opportunities.
• Retirees: Generate a steady income stream to meet post-retirement needs.
• Tax-Aware Investors: Opt for tax-saving or tax-free instruments to maximize net returns.

Why Choose Us?

• Expert Analysis: Comparison of various instruments to identify the best fit for your financial goals.
• Access to Exclusive Offers: Benefit from high-yield fixed deposits and bonds not widely available.
• Transparent Advice: Clear communication about risks, returns, and taxation.
• End-to-End Support: Assistance with investment, documentation, and ongoing reviews.