Fixed Income Instruments

Types of Fixed Instruments on offer

  • Bonds: On offer from us is a platter of Government Bonds and Corporate Bonds. These bonds in comparison carry lesser risk than in the stock market equities, and on the returns front too they fair a lot lesser to their equity counterparts. The types of bonds available are Bank Bonds, PSU Bonds, Govt. Guaranteed Bonds, NBFC Bonds, Tax Free Bonds, Private Bonds, Special Purpose Vehicle Bonds(Highway Authority Bonds)
  • Fixed Deposits: We are offering wide variety Fixed Deposits to our customers and are

Fixed Deposits (FD)

  • There are several Fixed Deposits instruments on offer, these comprise a few from the nationalised banks and a few from the private banks.
  • Features of Fixed Deposits
    • Guaranteed Returns: This forms the prime feature of the Fixed Deposit, as we can opt for the desired rate of interest from the options available. At the time of the maturity you shall get a guaranteed return with that particular interest rate chosen by you at the time of opting for the FD.
    • Tenure Options: Fixed Deposits have a flexibility of time frame/tenure to choose from. Different tenures can attract different rates of interest.
    • Liquidity: Accessibility of funds in case of emergencies, whether through premature withdrawal or loans against FDs.
    • Tax Benefits: There are some optional tax advantage Fixed Deposits, such as deductions under Section 80C and tax-saving FDs.

Benefits of Fixed Income Investments

  • Stability and Safety: Elaborate on how fixed income investments, including FDs, provide stability and lower risk compared to more volatile investments like stocks. Discuss the importance of these investments in a diversified portfolio.
  • Regular Income: Explain how these investments generate regular income, making them suitable for those looking for a consistent source of revenue, especially retirees.
  • Diversification: Fixed income instruments can be used to diversify a portfolio, helping investors spread risk and manage volatility.
  • Capital Preservation: Fixed income investments carry an important role in preserving capital, which is crucial for long-term financial goals.