Bonds & Fixed Income

    Stable, predictable returns with high-grade Corporate and Government securities. Regulated by SEBI & RBI.

    Investment Options

    Government Securities (G-Secs)

    Issued by the RBI on behalf of the Govt of India. These carry practically zero default risk (Sovereign Guarantee) and are ideal for risk-averse investors seeking long-term stability.

    Corporate Bonds

    Issued by top-rated companies (AAA/AA) to raise capital. They typically offer higher interest rates than Fixed Deposits. We curate only high-credit-quality bonds to minimize risk.

    54EC Capital Gain Bonds

    Specifically designed to save tax on Long Term Capital Gains from the sale of property. Issued by PFC, REC, and IRFC with a lock-in period of 5 years.

    Sovereign Gold Bonds (SGB)

    Substitute for physical gold. Earn 2.5% annual interest on top of gold price appreciation. Tax-free redemption after maturity.

    Taxation of Bonds

    Tax-Free Bonds

    Issued by government-backed entities like NHAI, PFC, REC.

    • Interest: Completely tax-free in your hands.
    • Capital Gains: Taxed if sold before maturity.
    • Best For: Individuals in highest tax brackets (30%).

    Taxable Bonds

    Includes most Corporate Bonds, NCDs, and G-Secs.

    • Interest: Added to your income and taxed at slab rate.
    • TDS: 10% on interest if listed (usually).
    • Capital Gains: 12.5% LTCG if held > 12 months (for listed).

    Understanding Bond Ratings

    Credit ratings are assigned by agencies like CRISIL, ICRA, and CARE to indicate the safety of the bond. We prioritize high safety.

    AAA
    Highest Safety

    Lowest credit risk. Almost equivalent to sovereign safety.

    AA+ / AA
    High Safety

    Very low credit risk. Good balance of yield and safety.

    A / BBB
    Moderate Safety

    Higher yield but carries moderate credit risk. Only for aggressive portfolios.

    Secure Your Future with Fixed Income

    Add stability to your portfolio with high-yield bonds and government securities.