Our fixed income investment solutions help you generate regular interest income, while diversifying your portfolio and enjoying potential tax benefits.
Secure reliable returns on your investments and avoid market risks. Fixed-income investment solutions offer a low-risk, stable returns investment option, perfect for your short/medium-term goals. Enjoy regular interest payouts, ensuring that you grow your wealth and beat inflation every year.
Gain healthy, low-risk returns, even during market downturns.
Invest in strategically-crafted mutual funds developed by experts.
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Objective | To reduce capital gains tax on the selling of assets like land, property, and more within a 6 months period. |
Issuer (s) | Indian Railway Finance Corporation Limited (IRFC) | REC Ltd | PFC Capital Gain |
Interest Rate | 5.00% p.a. taxable (w.e.f. August 1st, 2020) |
Frequency of payment | Annual |
Tenure | 5 years |
Min. Investment | Rs. 20,000 for bonds mentioned above |
Max. Investment | Rs. 50,00,000 for bonds mentioned above |
TDS | No TDS on interest for Resident Investors |
Credit Rating | AAA. Accredited by CRISIL, CARE, ICRA & IRRPL |
Open/Close Dates | April 1st/March 31st |
Objective | To get a secure, government-backed investment option in gold with regular interest payouts. |
Issuer | RBI on behalf of the Government of India |
Type Of Instrument | GOI Stock under GS Act, 2006. SGBs will be denominated in grams of gold. |
Face Value/Bond | Fixed on the basis of the simple average of the closing price of 999 purity gold published by the India Bullion & Jewelers Association Ltd. |
Minimum Application | 1 unit (1g of gold) |
Maximum Application | 4,000g per person per fiscal year |
Tenure | 8 years | Exit option opens from 5th year, which can be exercised on the interest payment dates |
Interest Rate | 2.50% p.a. |
Frequency of payment | Semi-annual |
Trading | Listed and tradeable on exchanges | NDS-OM from a date to be notified by RBI |
Mode of Issuance | Dematerialized form |
Tax Info | Interest is taxable as per the provisions in the Income Tax Act, 1961 (43 of 1961) | Tax exempted on capital gains tax arising on redemption of SGBs | Indexation benefits available on long-term capital gains |
Eligible Investors | Resident Indian entities (Individuals, HUFs, trusts, universities and charitable institutions) |
Objective | To get a flexible investment with interest rates that adjust periodically based on market conditions, offering protection against inflation. |
Issuer | RBI on behalf of the Government of India |
Face Value/Bond | INR 1,000 |
Minimum Application | INR 1,000 |
Maximum Application | No limit |
Tenure | 7 years |
Interest payment frequency | Half-yearly |
Trading | Non-transferrable bonds | No exit option in the secondary market |
Tax Information | Tax deductions applicable on interest as per provisions in the Income Tax Act, 1961 |
Eligible Investors | Resident Indian Individuals (incl. Minors) & HUFs |
