FIXED DEPOSITS & BONDS
FIXED DEPOSITS & BONDS
We offer expert guidance on investing in Fixed Deposits (FDs) and Bonds, providing a secure and stable way to earn returns on your savings.
Fixed Deposits
- Definition: A financial instrument where you deposit a lump sum amount with a bank or financial institution for a fixed period at a predetermined interest rate.
- Types: Regular FDs, Tax-Saver FDs (with a 5-year lock-in period and tax benefits under Section 80C)
- Interest Rates: Vary among banks and financial institutions, with higher rates often offered to senior citizens
- Tenure: Fixed, ranging from a few days to several years
- Tax Implications: Interest earned is taxable as per your income tax slab, with TDS applicable on interest income exceeding a certain threshold
Bonds
- Definition: Debt instruments representing a loan made by an investor to a borrower (typically a government or corporation)
- Types: Government Bonds, Corporate Bonds, Municipal Bonds
- Key Features: Coupon Rate (periodic interest payments), Maturity Period (specified repayment period)
- Benefits: Regular income, relatively low risk, diversification of investment portfolio
Why Invest with Us?
Our experienced team will guide you in making informed investment decisions tailored to your financial goals and risk tolerance. Contact us to learn more about investing in FDs and Bonds.