Fixed Deposits & Bonds | Sarva Nidhi Associates | Guaranteed Returns India
Fixed Income Investments

Secure Returns with
Fixed Deposits & Bonds

Diversify your portfolio with guaranteed, high-yield fixed income instruments. From corporate FDs to sovereign gold bonds, build a stable financial foundation with zero market risk.

🔒 Capital Protection 📈 Up to 10.5% p.a. 💰 Tax Saving Options
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🏦 Investment Snapshot
Max Returns
10.5% p.a.
Min Investment
₹1,000
Product Options
6 Types
Capital Safety
100%
Investment Portfolio

Our Fixed Income Products

Six carefully selected fixed income instruments for every risk profile and investment horizon.

High Returns

Corporate Fixed Deposits

9.5%interest rate p.a.

Higher returns from top-rated corporate entities like Bajaj Finance, Mahindra Finance and Shriram Finance. AA+ rated for safety.

Higher rates than bank FDs
Minimum investment: ₹25,000
Tenure: 1 to 5 years
Quarterly or annual payout
Bajaj Finance FD8.85%
Mahindra Finance9.50%
Shriram Finance9.25%
Invest Now →
Market Linked

Debentures & NCDs

10.5%expected yield p.a.

Non-convertible debentures from leading corporates. Listed on stock exchanges with attractive yields and flexible tenures.

Secured and unsecured options
Minimum investment: ₹10,000
Tenure: 3 to 10 years
Listed on stock exchanges
HDFC Ltd NCD8.75%
Tata Capital NCD10.50%
L&T Finance NCD9.85%
View NCDs →
Govt Backed

Bonds

7.8%coupon rate p.a.

Government securities, state development loans, corporate and tax-free bonds. Steady income with high liquidity.

Government securities (G-Secs)
Tax-free bonds available
Minimum: ₹10,000
High liquidity on exchanges
10Y G-Sec7.26%
NHAI Tax-Free7.80%
IRFC Tax-Free7.50%
Buy Bonds →
Tax Saver

54 EC Bonds

5.25%interest rate p.a.

Save capital gains tax under Section 54EC. Invest up to ₹50 Lakhs per year with a 5-year lock-in period and government guarantee.

Capital gains tax exemption
Limit: ₹50 Lakhs per year
Lock-in: 5 years
Government guaranteed
NHAI 54EC5.25%
REC 54EC5.25%
PFC 54EC5.25%
Invest in 54EC →
Gold + Interest

Sovereign Gold Bonds

2.5%interest + gold price

Digital gold investment issued by RBI. Earn 2.5% annual interest on top of gold price appreciation with zero storage charges.

Min: 1 gram, Max: 4 kg/year
Tenure: 8 years (exit after 5)
No storage or making charges
Tax-free on maturity
Gold Rate/gram~₹6,250
Annual Interest2.50%
Tax on MaturityNil
Buy SGB →
Govt Guarantee

RBI Floating Rate Bonds

7.15%current rate p.a.

100% government guaranteed floating rate bonds. Rate resets every 6 months based on NSC rate. No upper investment limit.

Minimum: ₹1,000, no max limit
Tenure: 7 years
Interest paid half-yearly
100% government guarantee
Current Rate7.15%
Interest PayoutHalf-yearly
Income on ₹1L₹7,150/yr
Invest in RBI Bonds →
Why Fixed Income

Why Choose Our
Investment Platform

Reliable, transparent, and backed by trusted institutions.

🔒

Capital Protection

All products are backed by government guarantees or AA+ rated corporate entities. Your principal stays safe.

📈

Competitive Returns

Earn significantly more than savings accounts. Corporate FDs and NCDs offer up to 10.5% annual returns.

🎯

Diversified Options

Six product categories spanning FDs, debentures, government bonds, gold bonds and tax-saving instruments.

💰

Tax Benefits

54EC bonds save capital gains tax. NHAI and IRFC offer tax-free interest. Multiple options to optimise your tax outflow.

At A Glance

Product Comparison

Compare returns, tenure, risk and minimum investment across all six products.

ProductReturnsTenureRiskMin. Investment
🏦 Corporate FDUp to 9.5%1 to 5 yearsLow₹25,000
📄 Debentures/NCDUp to 10.5%3 to 10 yearsMedium₹10,000
🏛️ BondsUp to 7.8%5 to 20 yearsLow₹10,000
📋 54EC Bonds5.25%5 years (lock-in)Low₹10,000
🪙 Sovereign Gold2.5% + Gold8 years (exit 5)Low1 gram (~₹6,250)
🏛️ RBI Bonds7.15%7 yearsLow₹1,000
Quick Answers

Fixed Deposit FAQs

We only recommend corporate FDs from entities rated AA+ and above by credit rating agencies like CRISIL, ICRA and CARE. Companies such as Bajaj Finance, Mahindra Finance and Shriram Finance have a strong track record of timely payouts.
It varies by product. RBI Bonds start at just ₹1,000. Debentures and bonds start at ₹10,000. Corporate FDs typically require a minimum of ₹25,000. Sovereign Gold Bonds start from 1 gram of gold (approximately ₹6,250).
Under Section 54EC, if you invest capital gains from property sale into NHAI, REC or PFC bonds within 6 months, you get full exemption on that capital gain. The maximum investment is ₹50 Lakhs per financial year with a 5-year lock-in period.
Capital gains on SGB are completely tax-free if held until maturity (8 years). The 2.5% annual interest is taxable as per your income slab. There is also a ₹50 per gram discount for online applications.
Most corporate FDs offer premature withdrawal, though a small penalty may apply. RBI Bonds allow premature closure after 1 year for senior citizens and after 4 years for others. 54EC Bonds do not allow premature withdrawal. We will guide you on the liquidity terms of each product.

Build Your Fixed Income
Portfolio Today

Get personalised advice on the best fixed income mix for your goals. First consultation is free.

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