Smart Income Calculated Risk
Diversify with Fixed Income products designed to generate regular income while aiming to manage risk. Explore Fixed Income instruments such as Corporate Bonds, NCDs, and Corporate FDs, subject to credit and interest rate risk. Earn periodic interest payouts as these instruments mature or pay coupons over fixed tenures.
Min. Investment
₹10k - ₹1Cr
Liquidity
Medium to High
Risk Profile
Low to Moderate
Ideal Horizon
1 - 5 Years
Bonds vs Fixed Deposit
While both offer safety, Bonds frequently outperform traditional Bank FDs in several key areas.
| Distinction | Bonds | Fixed Deposit |
|---|---|---|
| Issuers | Wider issuer base — Governments & Companies (public and private sector), giving more choice and potentially higher yields | Limited to Banks, Post Office, and select NBFCs |
| Returns | Total return potential = interest income + capital gains, offering upside beyond fixed FD rates | Interest income only; no scope for upside participation |
| Price Movement | Prices can rise with favorable rate cycles or credit upgrades, creating gain opportunity (can also fall — two-way movement) | No price fluctuation, but also no upside participation |
| Liquidity | Listed bonds can be sold anytime in the secondary market, subject to trading volume — flexible exit option | Pre-mature closure in FDs attracts penalty; tax-saver FDs restrict withdrawal (5-year lock in for tax saver) |
| Transparency | Rated by independent agencies (CRISIL, ICRA, CARE) — visible, ongoing risk assessment before and during holding | Mostly unrated, except corporate FDs — limited visibility into issuer risk |
| Risk | Subject to credit, interest rate, liquidity, prepayment and call risk — risk is transparent and priced in via ratings | Bank FDs carry lower risk and DICGC insurance only up to ₹5 lakh; corporate FDs carry credit risk |
Fixed Income Instruments We Offer
Explore instruments designed to support disciplined, income-focused investing
Corporate Fixed Deposit
Min: ₹10,000
7.5% - 10.5% p.a.
Market Linked Debentures
Min: ₹1 Lac
10% - 12% p.a.**
Debt Alternate Inv. Fund
Min: ₹1 Cr
15% - 25% p.a.***
Capital Gain Bonds
Min: ₹1 Lac
5.5% - 6.0% p.a.
Corporate Bonds
Min: ₹2 Lacs
10% - 12% p.a.
Sovereign Gold Bond (SGB)
Min: ₹10,000
2.5% p.a. interest + gold movement
- *Yields are indicative, not guaranteed, and subject to market, credit, and interest rate risk.
- **Market Linked Debentures are subject to underlying market index/benchmark performance and may result in lower-than-indicated or negative returns.
- ***Debt AIFs are high-risk, illiquid instruments suitable only for investors meeting SEBI's AIF eligibility norms; returns are not assured and can be volatile.
- SGB gold price movement can be positive or negative; principal is linked to prevailing gold prices at redemption.
Market Reality & Compliance
Fixed income instruments carry credit, interest rate, and liquidity risks. Yields indicated are historical or indicative and do not guarantee future returns. Market Linked Debentures (MLDs) are subject to underlying index performance and can result in negative returns. Debt AIFs are high-risk, illiquid instruments suitable only for investors meeting SEBI's eligibility norms. Sovereign Gold Bonds are subject to gold price fluctuations.
Let's build a stronger, more balanced portfolio
Contact us today to discuss how bonds and fixed income can help generate regular income as part of your retirement or capital preservation strategy.
Consult an Advisor