Corporate FDs
Fixed deposits from rated NBFCs and housing finance companies, with cumulative or payout options.
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Bonds & Fixed Deposits
Rated corporate fixed deposits and bonds for predictable income and the debt portion of your portfolio.
Overview
What is Bonds & Fixed Deposits?
Corporate fixed deposits are offered by NBFCs and housing finance companies and are rated by credit-rating agencies such as CRISIL, ICRA and CARE. They often pay more than bank FDs, but they are not covered by DICGC deposit insurance.
Bonds include corporate bonds, PSU bonds, government securities and tax-free bonds. Listed bonds are held in your demat account and pay interest (coupons) on a fixed schedule.
Options
Types & strategies
Corporate & PSU Bonds
Rated, listed bonds held in demat form with fixed coupons.
Government Securities
Central and state government bonds with sovereign backing.
Tax-Free Bonds
Available in the secondary market from PSU issuers.
How It Works
Ways to invest
Interest Payout
Monthly, quarterly, annual or cumulative options.
Laddering
Spread maturities to balance liquidity and reinvestment risk.
Demat Holding
Listed bonds held safely in your demat account.
Renewal
Reminders before maturity to reinvest or redeem.
Our Role
How we help
- 01Match tenure and payout options to your cash-flow needs
- 02Prefer highly rated issuers and diversify across them
- 03Explain ratings, risks and our commission transparently
- 04Track maturities and remind you before renewal
Key risks to understand
- Credit risk: the issuer may delay or default. Check the rating.
- Interest-rate risk: bond prices fall when rates rise.
- Liquidity risk: some bonds trade thinly.
- Corporate FDs are not covered by DICGC insurance.
Have questions about whether this suits you?
Book A Portfolio ConsultationMutual Fund investments are subject to market risks, read all scheme related documents carefully.
Pritesh Kakani (trading as Kakani Financial Services) is an AMFI-Registered Mutual Fund Distributor, ARN-373766, EUIN E717134. We are not a SEBI-Registered Investment Adviser. Any guidance provided is incidental to distribution. Bonds and fixed deposits are not mutual fund products and carry credit, interest-rate and liquidity risks. Past performance is not indicative of future returns, and returns are not guaranteed.