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No.4, 3rd Floor, Swathi Complex No. 34, Venkat Narayana Road, Nandhanam, Chennai-600018 Tamil Nadu – India

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DEBT PRODUCTS

Financial instruments where investors lend money to entities in exchange for periodic interest payments and the return of principal at maturity, such as bonds or notes.

CORPORATE FIXED DEPOSITS

Corporate Fixed Deposits are term deposits offered by companies to investors.

  • Interest Rates: Generally higher than bank FDs due to higher risk.
  • Risk: Higher risk compared to bank deposits, as they depend on the financial health of the issuing company.
  • Tenure: Varies from a few months to several years.

TAX-FREE BONDS

Tax-Free Bonds are issued by government-backed entities and offer tax-free interest income.

  • Issuer: Typically issued by public sector companies or government agencies.
  • Tax Benefits: Interest income is exempt from income tax.
  • Safety: Generally considered safe due to government backing.

NON-CONVERTIBLE DEBENTURES (NCDS)

Non Convertible Debenture (NCD’s) are fixed income instruments issued by government and companies. NCD’s cannot be converted into equity.

  • Interest Rates Higher than regular fixed deposits.
  • Tenure: Can range from a few years to longer durations.
  • Risk: Varies based on the issuing company’s credit rating.

SOVEREIGN GOLD BONDS

Sovereign Gold Bonds are government securities denominated in grams of gold.

  • Interest Rates: Provide periodic interest payments, with the principal linked to the price of gold.
  • Tax Benefits: Capital gains tax exemptions if held till maturity.
  • Security: Backed by the government, offering a safe investment option.

PERPETUAL BONDS

Perpetual Bonds have no maturity date, meaning they pay interest indefinitely.

  • Interest Payments: Regular interest payments are made until the bond is redeemed or called.
  • Risk: Higher risk due to the indefinite maturity period and potential changes in interest rates.

RBI BONDS

RBI Bonds are issued by the Reserve Bank of India.

  • Interest Rates: Typically offer fixed returns, and the interest is paid semi-annually.
  • Tenure: Varies based on the specific bond issue.
  • Safety: Considered safe due to government backing.

NATIONAL PENSION SYSTEM (NPS)

National Pension System (NPS) is a government-backed pension scheme.

  • Objective: Provides retirement income through a mix of equity, corporate bonds, and government securities.
  • Tax Benefits: Contributions up to ₹1.5 lakh are eligible for tax deductions under Section 80C.
  • Flexibility: Offers various investment options and fund managers.

WE ARE AT

No.4, 3rd Floor, Swathi Complex No. 34, Venkat Narayana Road, Nandhanam, Chennai-600018 Tamil Nadu – India

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