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Bonds & Fixed Deposit

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Bonds & Fixed Deposits

Fixed Deposits (FDs) are one of the safest investment options, offering guaranteed returns with minimal risk. They allow investors to park their funds for a fixed tenure while earning a predetermined interest rate, making them ideal for capital preservation and stable income. FDs are suitable for conservative investors who prioritize security and predictable returns over market-linked fluctuations.

Bonds are fixed-income instruments where investors lend money to governments or corporations in exchange for regular interest payments and principal repayment at maturity. They provide a balanced investment approach by offering relatively stable returns with lower risk compared to equities. Bonds are ideal for investors looking to diversify their portfolio and generate steady income over time.

Why Invest in IPOs?

  • Capital Safety
  • Stable Returns
  • Regular Income
  • Portfolio Diversification
  • Flexible Tenure Options
  • Liquidity Options
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Bonds

Bonds are a better solution for investors looking for a fixed and high-interest rate for a specified period. They offer relatively low risk compared to equity investments while delivering more attractive returns than traditional savings options. With regular interest payouts and potential tax advantages (depending on the type of bond), they help investors generate a stable income stream.

Capital Gain Bonds (54EC)

54EC or Capital Gain bonds are one of the best ways to save tax on Long Term Capital gains made on the sale of land or building or both. Capital Gain tax can be avoided by investing in capital gain in these bonds under section 54EC of Income Tax Act, 1961. 54EC Bonds are non-transferable and have a lock-in period of 5 years. Minimum investment in 54EC bonds is one bond amounting to Rs. 10,000 and maximum limit is 500 Bonds amounting to Rs. 50 Lakhs in a financial year.

Various Capital Gain Bonds

PFC - 54EC Bonds

Coupon Payment Every Year on 31st July

REC - 54 Bonds

Coupon Payment Every Year on 30th June

IRFC - 54EC Bonds

Coupon Payment Every Year on 15th October

NHAI - 54EC Bonds

Coupon Payment Every Year on 31st March

What is Corporate FD?

A Corporate Fixed Deposit (FD) is simply a fixed deposit issued by a corporate entity other than a regulated bank. Similar to traditional bank FDs, corporate FDs provide a fixed interest rate over a specified period. However, corporate FDs typically offer higher interest rates compared to bank FDs, making them attractive for investors seeking enhanced returns.

In addition to better returns, corporate FDs come with flexible tenure options and periodic interest payout choices such as monthly, quarterly, or cumulative plans. They are suitable for investors looking to generate stable income while slightly stepping up their risk for improved yields. However, since these are issued by companies, it is important to consider the credit rating and financial strength of the issuer before investing, ensuring a balance between safety and returns.

How Does Corporate FD Works

A Corporate Fixed Deposit (FD) is similar to a bank FD but instead of parking your money with a bank, you lend your money to corporations or non-banking institutions. When you invest in a corporate FD, you choose an issuer based on their credit rating and track record and decide your investment amount and period. The issuer on its part pays you a fixed interest rate for the duration of the fixed deposit at predetermined intervals. The interest con either be in the form of simple interest or compound interest. Similar to a bank fixed deposit, you get your principal amount and accrued interest if any at the time of maturity

Corporate FDs For Every Risk Profile

Low risk Deposits

Suitable for investors who are typically risk-averse and prefer to invest in safe investments that offer stable returns

Liquid Deposits

Suitable for investors who want the flexibility to withdraw their funds partially or fully before the maturity date without any charges

Cumulative Deposits

Suitable for investors who want to grow their wealth over a long term and not looking for reqular income

High Return Deposits

Suitable for investors who are willing to take higher risks in order to earn potentially higher returns

Why Choose Us

Physical & Digital, Experience the advantage of both worlds

When it comes to building long-term wealth through SIF, you need a trusted partner who understands your financial goals and guides you with the right strategy. At TR Capital, we are associated with Motilal Oswal Financial Services Limited, ensuring strong research-backed investment solutions and reliable financial expertise for your SIF journey. We provide best-in-class technology and expert guidance to help you invest consistently, track your investments, and maximize returns through disciplined investing. With seamless access across desktop, tablet, and mobile, managing your SIF investments becomes simple, transparent, and efficient.

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Bonds & Fixed DepositFAQs

Your Questions, Answered
What is a Bond?

Intelligent Advisory Portfolios (IAP) offer a hassle-free way to invest in equity markets without extensive research. Curated and monitored by Registered Investment Advisors (RIAs), these diverse, pre-packaged portfolios are ideal for both active and passive investors, adhering to strict rules to manage risk and returns

Yes. IAP is considered a good investment because it offers expertly curated, pre-packaged portfolios, easing investment-related stress. Additionally, IAP allows investors to invest in thematic portfolios that effectively manage risk and provide consistent returns over time.

Below stated are some of the benefits of investing in IAP

  • Choose between Dynamic or Static portfolios
  • Discretionary control over recommendations
  • Online investments
  • Flexible investment modes: Lump Sum or SIP
  • 24/7 portfolio tracking
  • Below stated are some of the benefits of investing in IAP

To start investing in IAP, an investor is required to open a DEMAT Account with Motilal Oswal, login to the app with provided credentials and choose – Intelligent Advisory Portfolio from the investment menu.

FDs are generally low-risk, especially when issued by banks, but returns may be lower compared to other investment options.

Yes, both Bonds and FDs can be exited early, but it may involve penalties or market fluctuations.

FDs offer fixed interest, while bonds provide periodic interest (coupon) and may also give capital gains.

Yes, both can provide regular income—FDs through interest payouts and bonds through coupon payments.

These are ideal for conservative investors looking for stable returns, capital protection, and predictable income.