Stable Returns. Secure Investments. Guaranteed Growth.
Build a resilient financial future with high-interest fixed deposits and reliable bonds.
- Higher Returns: Earn better interest than traditional bank FDs.
- Low-Risk Investments: Safe and steady income options.
- Capital Protection: Reliable investment choices for wealth preservation.
Benefits of Investing in Sovereign Gold Bonds (SGB), Corporate Bonds, and Government Securities
These investment options offer a balance of safety, income, and growth potential, catering to various risk profiles and financial goals.
Whether seeking the safety of government-backed securities, the gold exposure in SGBs, or the higher returns from corporate bonds, these instruments can be valuable additions to a diversified portfolio.
Sovereign Gold Bonds (SGBs):
- Gold Exposure Without Physical Holding: SGBs offer a way to invest in gold without the hassles of storage or security concerns associated with physical gold.
- Capital Appreciation: Investors benefit from the potential increase in gold prices, which often performs well during economic uncertainty or inflationary periods.
- Interest Income: SGBs provide a fixed annual interest rate (usually around 2.5%) paid every six months, in addition to potential price appreciation.
- Tax Benefits: No capital gains tax on maturity for SGBs held until maturity (8 years). Additionally, interest income is taxable, but this can be offset by exemptions available for tax-savvy investors.
- Government Backing: These bonds are issued by the Reserve Bank of India (RBI), ensuring a safe and secure investment.
Corporate Bonds:
- Higher Returns: Corporate bonds typically offer higher returns compared to government securities due to the additional risk associated with companies. This makes them attractive for yield-seeking investors.
- Regular Income: Corporate bonds provide fixed periodic interest payments, offering a reliable income stream for investors.
- Diversification: Investing in corporate bonds allows investors to diversify their portfolio by adding fixed-income securities from a variety of companies and sectors.
- Capital Preservation: No capital gains tax on maturity for SGBs held until maturity (8 years). Additionally, interest income is taxable, but this can be offset by exemptions available for tax-savvy investors.
- Tax Benefits: Some corporate bonds come with tax-saving features, depending on the investor’s income bracket and the type of bond.
Government Securities (G-Secs):
- Safety and Security: As G-Secs are issued by the government, they come with the highest level of safety and creditworthiness, making them a low-risk investment option.
- Fixed Interest: G-Secs pay a fixed interest rate over a set period, providing a predictable and stable income stream for investors.
- Inflation Protection: Government bonds often provide inflation-adjusted returns, making them a good hedge against rising inflation.
- Liquidity: G-Secs are traded on the stock exchange, making them highly liquid and easy to buy and sell in the secondary market.
- Tax Benefits: Some government securities provide tax exemptions on the interest income, making them an attractive option for tax-efficient investing.
Whether seeking the safety of government-backed securities, the gold exposure in SGBs, or the higher returns from corporate bonds, these instruments can be valuable additions to a diversified portfolio.
Why Invest with Us?
Expert Advice
We help you choose the best FD and bond options based on your financial goals.
Higher Returns
Our curated options ensure better returns compared to traditional savings plans.
Safe & Reliable
We offer investments in top-rated, secure corporate and government bonds.
Risk Management
Diversified investment strategies to protect your capital while ensuring steady income.
Fixed Income Options FAQs
Are corporate fixed deposits safe?
How do I invest in government or corporate bonds?
What is the minimum investment amount for bonds?
Can I withdraw my fixed deposit before maturity?
Yes, but early withdrawal may be subject to penalties. We help you choose tenures that match your financial needs.
