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Guided Access · Not Distributed under ARN-309076

Fixed Income &
Bond Instruments.

The stability layer of your portfolio. We guide you to the right SEBI-registered or government platform — no fee, no products pushed, honest risk disclosure on every category.

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Government Bonds & G-Secs

SGBs, RBI Floating Rate Bonds and Government Securities via RBI Retail Direct or NSE goBID. Zero credit risk — backed by the Government of India.

RBI Retail Direct · GOI
RBI Retail Direct →
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Corporate NCDs (Listed)

Listed NCDs from AA/AAA issuers, ~8–10% p.a., from ₹1,000 on exchange. Interest taxed at slab. Access via SEBI-registered bond platforms.

Via SEBI-registered platforms
NCD guidance →
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NBFC Corporate FDs

FDs from RBI-regulated NBFCs at ~7.5–9% p.a. Not DICGC-covered — credit risk applies. Higher yield than bank FDs for equivalent tenure.

RBI-Regulated NBFCs
FD guidance →
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PSU / Tax-Free Bonds

NHAI, REC, IRFC tax-free bonds on the secondary market — interest fully exempt, effective yield highest for the 30% bracket.

NSE / BSE Secondary
Tax-free bond guidance →
Disclosure: Fixed income guidance (NCDs, corporate FDs, bonds) is not provided under AMFI ARN-309076 and is not a regulated distribution activity. We provide directional guidance and refer you to the appropriate SEBI-registered platform or government portal. NCDs and corporate FDs carry credit risk — not equivalent to bank FDs, not covered by DICGC. Ratings can change; always read the offer document. Market-Linked Debentures are not suggested — complex, illiquid, with both market and credit risk. Debt MF schemes (liquid, short-duration, gilt) remain the preferred route for most investors — accessible under ARN-309076.
Common Questions

Frequently Asked Questions

Are corporate FDs as safe as bank FDs?
No. NBFC corporate FDs are not covered by DICGC deposit insurance — credit risk applies even for highly rated issuers, and ratings can change. They compensate with higher yield (roughly 7.5–9% p.a.). Match the instrument to your risk capacity.
What is the minimum to invest in G-Secs?
Via RBI Retail Direct, effectively ₹10,000 and multiples for most auctions (and small amounts in the secondary market). Sovereign instruments carry zero credit risk — backed by the Government of India.
Why don't you recommend Market-Linked Debentures?
MLDs are complex, often illiquid, and carry both market and credit risk in a structure most retail investors cannot evaluate. Simpler instruments — G-Secs, listed NCDs, debt mutual funds — achieve fixed-income goals more transparently.
Is this guidance part of your MFD registration?
No. Fixed income guidance (NCDs, corporate FDs, bonds) is not distributed under ARN-309076 and is not a regulated distribution activity — we provide directional guidance and refer you to the appropriate SEBI-registered platform or government portal, free of charge. Debt mutual funds remain accessible under ARN-309076.

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