Fixed Deposit & Investment Solutions
GOLD
DB
RBI BOND

Fixed Deposit &
Investment Solutions

Diversify your portfolio with our comprehensive range of fixed income investments. From corporate FDs to government bonds, secure your financial future with guaranteed returns.

12.5%
Max Returns p.a.
₹10K
Min Investment
6
Investment Options
100%
Capital Protection

Investment Portfolio

Comprehensive fixed income solutions for every investor profile and risk appetite

Corporate Fixed Deposits

Higher returns from top-rated corporate entities

High Returns
9.5%
Interest Rate p.a.

Key Features

  • • Higher interest rates than bank FDs
  • • Minimum investment: ₹25,000
  • • Tenure: 1 to 5 years
  • • Quarterly/Annual interest payout
  • • Credit rating: AA+ and above
  • • Premature withdrawal facility

Top Corporate FDs

Bajaj Finance FD 8.85%
Mahindra Finance 9.50%
Shriram Finance 9.25%
Investment Example
₹1,09,500
Maturity on ₹1L for 1 year

Debentures

Market-linked debt instruments with attractive yields

Market Linked
10.5%
Expected Yield p.a.

Debenture Features

  • • Secured and unsecured options
  • • Convertible and non-convertible types
  • • Minimum investment: ₹10,000
  • • Tenure: 3 to 10 years
  • • Listed on stock exchanges
  • • Tax benefits on certain debentures

Available Debentures

HDFC Ltd NCD 8.75%
Tata Capital NCD 10.50%
L&T Finance NCD 9.85%

Tax Benefits

• Tax-free debentures available

• Capital gains tax applicable

• Interest taxable as per slab

Bonds

Government and corporate bonds for steady income

Govt Backed
7.8%
Coupon Rate p.a.

Bond Types

  • • Government Securities (G-Secs)
  • • State Development Loans (SDLs)
  • • Corporate bonds
  • • Tax-free bonds
  • • Infrastructure bonds
  • • Municipal bonds

Current Bond Offerings

10Y G-Sec 7.26%
NHAI Tax-Free 7.80%
IRFC Tax-Free 7.50%

Investment Benefits

Min Investment
₹10,000
Liquidity
High
TAX FREE 54EC

54 EC Bonds

Save capital gains tax with infrastructure bonds

Tax Saver
5.25%
Interest Rate p.a.

Tax Benefits

  • • Save capital gains tax under Section 54EC
  • • Investment limit: ₹50 Lakhs per year
  • • Lock-in period: 5 years
  • • No premature withdrawal
  • • Interest taxable as per income slab
  • • Government guaranteed bonds

Available 54EC Bonds

NHAI 54EC 5.25%
REC 54EC 5.25%
PFC 54EC 5.25%

Tax Savings Example

Capital Gains: ₹10,00,000
Tax Saved (20%): ₹2,00,000
Annual Interest: ₹52,500
RBI GOLD

Sovereign Gold Bonds

Digital gold investment with annual interest

Gold + Interest
2.5%
Interest + Gold Price

SGB Features

  • • Minimum investment: 1 gram of gold
  • • Maximum investment: 4 kg per year
  • • Tenure: 8 years (exit after 5 years)
  • • Annual interest: 2.5% on initial value
  • • No storage or making charges
  • • Capital gains tax exemption on maturity

Current Gold Price

Gold Rate (per gram): ₹6,250
SGB Issue Price: ₹6,200
₹50 discount for online applications

Investment Benefits

Annual Interest
2.5%
Gold Appreciation
Market Rate
Tax on Maturity
Nil
Loan Against SGB
Available
RBI BOND

RBI Bonds

Government guaranteed floating rate savings bonds

Govt Guarantee
7.15%
Current Rate p.a.

RBI Bond Features

  • • Floating rate bonds (reset every 6 months)
  • • Minimum investment: ₹1,000
  • • No maximum investment limit
  • • Tenure: 7 years with premature closure
  • • Interest paid half-yearly
  • • 100% government guarantee

Interest Rate History

Jan 2024 - Jun 2024 7.15%
Jul 2024 - Dec 2024 7.15%
Rate reset every 6 months based on NSC rate

Key Benefits

Safety
100% Guaranteed
Liquidity
After 1 Year
Interest Payment
Half-yearly
Tax Status
Taxable
Annual Income on ₹1 Lakh
₹7,150
Paid half-yearly (₹3,575 each)

Why Choose Our Investment Platform?

Secure Investments

Government backed and highly rated investment options

Competitive Returns

Higher returns than traditional savings accounts

Diversified Portfolio

Multiple investment options for risk diversification

Tax Benefits

Tax-saving options available under various sections

Build Your Investment Portfolio Today!

Start investing in secure, high-return fixed income instruments and achieve your financial goals

Expert advisory support
Online investment platform
Regular portfolio reviews