Fixed Income

Build Stable Returns with
Bonds & Fixed Income

From RBI Bonds and 54E Capital Gains Bonds to Sovereign Gold Bonds, Government & Corporate Bonds, and Fixed Maturity Plans – we offer a complete spectrum of fixed‑income solutions backed by 23+ years of expertise and ₹520+ Crores in client assets.

Our Bond Categories

Explore five distinct bond categories, each designed to offer capital preservation, tax efficiency, and predictable income.

Category 1

RBI Bonds (Taxable & Tax‑Free)

RBI Bonds are sovereign‑backed fixed‑income instruments issued by the Reserve Bank of India. They offer guaranteed interest payments and are among the safest investment options available.

Taxable Bonds provide attractive interest rates with periodic payouts, while Tax‑Free Bonds offer tax‑exempt income under the Income Tax Act – making them ideal for high‑net‑worth individuals seeking to reduce their tax liability.

Guaranteed sovereign‑backed security
Regular interest income with varied payout frequencies
Tax‑free options for high‑income investors

Guards Against: Tax‑Erosion Bias

Explore RBI Bonds

Category 2

54E Capital Gains Bonds

54E Capital Gains Bonds are issued by the government (NHAI, REC, etc.) to help investors save long‑term capital gains tax under Section 54E of the Income Tax Act. Investment in these bonds within six months of the sale of a capital asset can exempt you from paying tax on the capital gains.

These bonds have a lock‑in period and offer a fixed rate of interest, making them a secure and tax‑efficient alternative to reinvesting in property or other assets.

Exemption from long‑term capital gains tax
Fixed interest income with sovereign backing
Ideal for real estate or equity sale proceeds

Guards Against: Forced Tax Payout Bias

Explore 54E Bonds

Category 3

Sovereign Gold Bonds (SGB)

Sovereign Gold Bonds (SGB) are government securities issued by the RBI denominated in grams of gold. They offer a fixed interest rate on the invested amount and the redemption value is linked to the prevailing gold price.

SGBs are a superior alternative to physical gold – they eliminate storage and making charges, are tax‑efficient, and provide capital appreciation along with regular interest income. They can be held in demat form and are tradable on stock exchanges.

Fixed annual interest on gold holdings
No GST, storage, or making charges
Tax‑free capital gains on maturity

Guards Against: Gold‑Hoarder Bias

Explore SGBs

Category 4

Government & Corporate Bonds

Government Bonds (G‑Secs) are sovereign‑backed securities issued by the Central or State Governments. They are the safest fixed‑income instruments and offer predictable returns with low credit risk.

Corporate Bonds are issued by private and public sector companies to raise capital. They offer higher yields than government bonds but come with varying credit risk. We help you select investment‑grade bonds from highly rated companies.

Sovereign or high‑credit corporate backing
Flexible tenures and yield options
Ideal for institutional and retail investors

Guards Against: Yield‑Chasing Bias

Explore Govt & Corporate Bonds

Category 5

Fixed Maturity Plans (FMPs)

Fixed Maturity Plans (FMPs) are close‑ended debt mutual funds that invest in a portfolio of fixed‑income securities with a maturity date that aligns with the scheme's tenure. They offer predictable returns with low interest rate risk.

FMPs are ideal for investors who want to lock in yields for a specific period (e.g., 1‑5 years) without the volatility of floating‑rate instruments. They are tax‑efficient and are often used for liquidity management and goal‑based investing.

Fixed maturity date with known yield
Low interest rate risk (duration matching)
Tax‑efficient compared to fixed deposits

Guards Against: Reinvestment Rate Bias

Explore FMPs

Ready to Secure Your Fixed‑Income Portfolio?

With 23+ years of expertise and ₹520+ Crores in client assets, we help you choose the right bonds to preserve capital and generate predictable income.

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