Fixed income & treasury
Corporate FDs and secured NCDs for regular income
Corporate fixed deposits with rated NBFCs and exchange-listed secured non-convertible debentures (NCDs) usually pay more than bank deposits, in return for taking on the issuer’s credit risk.
We focus on issuers with strong credit ratings and help you spread money across issuers and maturities so that income keeps coming in.
Who it suits
- Retirees and others who need monthly or quarterly income
- Investors wanting fixed returns beyond bank FDs
- Anyone building a ladder of maturities
How we work on it
- 01
Income need
How much income you need, how often, and for how long.
- 02
Issuer selection
Credit ratings (AAA / AA+), balance-sheet strength and concentration limits.
- 03
Build the ladder
Spread across issuers and maturity dates.
- 04
Track
Monitor ratings and plan reinvestment as deposits mature.
Questions
Asked often
Are corporate FDs as safe as bank FDs?
No. Bank deposits have DICGC insurance up to ₹5 lakh; corporate FDs and NCDs do not, and depend on the issuer’s ability to pay. That is why credit rating and diversification matter.
How is the interest taxed?
Interest is added to your income and taxed at your slab rate. TDS may apply above the prescribed limits.
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