Products
Fixed Income Options We Offer
From bank FDs to government bonds — we help you navigate the full fixed income universe.
Fixed Deposits (FD)
Bank and NBFC FDs offering guaranteed returns with DICGC insurance up to ₹5 lakh.
Government Bonds
Sovereign-backed bonds with zero default risk. Available via RBI Retail Direct platform.
Corporate Bonds
Bonds issued by highly-rated companies offering higher yields over government bonds.
Sovereign Gold Bonds (SGB)
RBI-issued bonds providing gold returns plus 2.5% annual interest. Capital gains tax-free at maturity.
RBI Savings Bonds
Floating rate bonds issued by RBI, fully sovereign-backed with assured returns.
Post Office Schemes
NSC, KVP, time deposits backed by the Government of India for safety-first investors.
Stability First
Secure, Stable Returns
Fixed income instruments are the backbone of a well-diversified financial plan, providing stability and predictable income while equity does the heavy lifting.
- Predictable, stable returns unaffected by market volatility
- Capital preservation with assured returns
- Regular income through interest payouts
- Laddering strategies to manage interest rate risk
- Tax-efficient options to optimise post-tax returns
- Suitable for short-to-medium term financial goals
FAQs
Fixed Income Questions
Are fixed income investments better than equity?
Neither is universally better. Fixed income is superior for capital preservation, regular income, and short-term goals. Equity is better for long-term wealth creation. A balanced portfolio includes both.
How are fixed income returns taxed?
FD and bond interest is added to income and taxed at your slab rate. Debt mutual fund gains are taxed at 20% with indexation for long-term. SGBs are tax-free at maturity.
What is a debt laddering strategy?
It involves investing in bonds/FDs maturing at different dates, ensuring regular liquidity and protection against interest rate risk.