FixedIncome
Fixed income for the relatively lower-risk part of your portfolio — government bonds, tax-free bonds, AAA-rated corporate FDs and select small-savings schemes.
A note on risk
Fixed income is generally lower-risk than equity but is not risk-free. Only G-Secs and small-savings schemes carry sovereign backing. Corporate FDs and non-sovereign bonds carry credit risk and are not covered by DICGC insurance (which insures bank deposits up to ₹5 lakh per depositor). Returns are not guaranteed; interest-rate, reinvestment and liquidity risks apply.
Fixed Income Shelf
Government Bonds (G-Sec)
Sovereign-backed. Zero credit risk. Available via RBI Retail Direct and select brokers.
Tax-Free Bonds
NHAI, REC, IRFC, PFC — interest fully tax-free. Best for high tax-bracket investors.
Corporate FDs
Highly-rated corporate fixed deposits, which have historically offered interest rates higher than comparable-tenure bank FDs (typical spread of around 1-2% based on current market data — actual rates vary by issuer and tenure). Unlike bank FDs, corporate FDs are not covered by DICGC insurance.
SCSS
Senior Citizen Savings Scheme — govt-backed, ₹30 L limit, tax benefit on interest up to ₹50,000.
RBI Floating Rate Bonds
Govt-backed, semi-annual interest, linked to NSC rate — suitable for retirees seeking income.
Sovereign Gold Bonds (SGB)
Gold exposure with 2.5% annual interest, capital gains exempt on maturity if held full 8 years.
Stability Meets Efficiency.
Curated Quality
We offer a curated shelf of fixed-income products, chosen for credit quality, tax efficiency and the right duration mix. We typically facilitate only AAA or equivalent sovereign-rated instruments.
For Every Life Stage
From SCSS and RBI bonds for retirees to tax-free bonds for high-bracket earners. We structure the right fixed-income mix for your goals and tax bracket.
"Safety, income and tax efficiency — the fixed income trifecta."
Frequently Asked Questions
Anchor Your Portfolio.
We curate only the highest quality fixed income instruments, matched to your tax bracket and tenure.
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