Fixed Income

"Secure your savings with our fixed income plans offering attractive interest rates and guaranteed returns."


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Fixed Income & Tax Savings Fixed Income Schemes

Fixed income investments are financial instruments that provide a return in the form of fixed periodic payments and the eventual return of principal at maturity. These investments are generally considered lower risk compared to equities, making them a popular choice for conservative investors.

Contact us today to learn more about our fixed deposit options and how they can enhance your savings strategy!

Benefits of Fixed Income Investments

Stability

Fixed income securities tend to provide steady income streams, making them ideal for seeking cash flow.

Capital Preservation

Many fixed income products prioritize the return of principal, offering a safeguard against market volatility

Diversification

Incorporating fixed income into your portfolio can help balance the risks associated with equity investments.

Tax Advantages

Certain fixed income schemes offer tax benefits, allowing investors to enhance their after-tax returns.

Popular Fixed Income Schemes for Tax Savings

  • Public Provident Fund (PPF)
  • - A government-backed savings scheme with attractive interest rates and tax benefits under Section 80C.
    - A Lock-in period of 15 years, making it ideal for long-term savings.

  • National Savings Certificate (NSC)
  • - A fixed income investment scheme that offers guaranteed returns and is also eligible for tax deductions under Section 80C.
    - NSCs have a maturity period of 5 years.

  • Tax-Saver Fixed Income
  • - These fixed deposits have a lock-in period of 5 years and provide tax benefits under Section 80C.
    - Offers guaranteed returns with the security of a bank.

  • Senior Citizens Savings Scheme (SCSS)
  • - Designed for senior citizens, this scheme provides higher interest rates and tax benefits under Section 80C.
    - Maturity period of 5 years with the option to extend.

  • Bond Funds
  • - Certain bond funds invest in government or corporate bonds, providing fixed income while potentially offering tax benefits depending on the structure.

Types of Fixed Deposits

Explore our diverse range of fixed deposit options:

  • Interest Rate Risk
    Fixed income investments are subject to interest rate fluctuations.
  • Inflation Risk
    The purchasing power of fixed income returns can be eroded by inflation.
  • Credit Risk
    Evaluate the creditworthiness of issuers to mitigate the risk of default.