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Services

Fixed deposits and bonds for the steady portion of your money.

The portion of your portfolio that does not need to grow fast — it needs to be there when you reach for it.

What we will offer at launch

Bank fixed deposits

Compare across banks, choose tenure and payout (cumulative / monthly / quarterly) for your goal.

Corporate fixed deposits

Slightly higher rates with credit-rated NBFCs and corporates, sized appropriately within your portfolio.

Tax-free bonds (secondary)

PSU bonds with tax-free interest, suited to investors in higher tax brackets.

Government securities

Long-duration G-Secs for predictable income, accessible via RBI Retail Direct or debt funds.

RBI Floating Rate Bonds

For investors who want sovereign safety with periodic rate resets.

Senior Citizen Savings Scheme

For eligible investors, alongside SCSS-style instruments.

Who this is for

  • Investors building an emergency fund or 1-3 year goal pot.
  • Retirees needing predictable monthly income.
  • Anyone consolidating multiple bank FDs into a clear ladder.
  • Conservative investors uncomfortable with debt mutual funds.

Why this matters

Equity does the long-term heavy lifting. Fixed income does the night-sleep work — covering near-term goals so you never need to sell equity in a down year.

Quick answers

FDs vs debt mutual funds?
FDs offer fixed returns and DICGC insurance up to ₹5L per bank. Debt funds give better post-tax returns for longer horizons and indexation in some categories. The right choice depends on tax bracket and horizon.
Is corporate FD safe?
Safer when issued by high-rated NBFCs (AA+ or above) and limited to a small portion of your fixed-income allocation. We size and select accordingly.
What about laddering?
Laddering — staggering maturities across 1, 3, 5 and 7-year buckets — gives flexibility and reduces reinvestment risk. We design ladders during planning conversations.

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