FDs · NCDs · RBI Bonds · SGB
Fixed Income
Capital protection with steady returns
Not everything should sit in equity. Fixed income gives you predictable returns, capital protection and tax-efficient cash flow — especially valuable for the conservative portion of your portfolio, emergency funds and retirement.
Various — RBI, SEBI, banks
Key facts
- Bank FD
- 6–8% p.a.
- RBI Floating Rate
- 7.95% (Oct 2024)
- SCSS (sr citizen)
- 8.2% p.a.
- Tax-saving FD (80C)
- 5-year lock-in
What you get
Bank & Corporate FDs
Bank FDs 6–8%, corporate FDs 8–10% (with credit risk). DICGC insurance up to ₹5 L per bank.
NCDs (Non-Convertible Debentures)
Listed corporate debt, 8–10% typically. Credit rated by CRISIL/ICRA — we help you choose AA+ or better.
RBI Floating Rate Bonds
7.95% currently (Oct 2024), 7-year tenure, government backed, interest semi-annual. Best risk-free option above bank FDs.
Senior Citizens Savings Scheme
8.2% for 5 years (extendable by 3), quarterly payout, government backed, ₹30 L max — gold standard for retiree income.
Is this for you?
- Anyone building emergency funds (3–6 months expenses)
- Retirees needing monthly cash flow
- Conservative investors who can't stomach equity volatility
- Investors parking funds for short-term goals (1–3 years)
Common questions about Fixed Income
Risk & regulatory note
Interest income from FDs and bonds is taxable at slab rates (TDS applies above ₹40,000 / ₹50,000 for seniors). Corporate FDs and NCDs carry credit risk — stick to high-rated issuers. Past returns are no guarantee of future rates.
Talk to an advisor about Fixed Income
Free 30-minute consultation. No fees, no pressure. We answer your questions before you commit.