Sri Dwarakadheesh Investment Services
Sri Dwarakadheesh Investment Services
Fixed income products in India offer safe and stable returns, ideal for conservative investors seeking portfolio diversification.
Offered by: Banks, NBFCs, and Corporates.
Tenure: Flexible (7 days to 10 years)
Interest Rate: Varies from 6 to 8%
Taxation: Interest is taxable (TDS applicable)
Ideal for: Conservative investors.
Issued by: Public and private companies.
Risk: Higher yield but involves credit risk (based on issuer rating)
Returns: Higher than FDs/G-Secs if credit quality is moderate.
Ideal for: Investors seeking better returns with moderate risk.
Tenure: 7 years.
Interest Rate: Floating (linked to NSC rate, currently ~8.05% p.a.)
Returns: Paid half yearly.
Ideal for: Individuals looking for government-backed fixed returns.
Types: Liquid funds, short-term debt funds, gilt funds, etc.
Returns: Market-linked; relatively stable.
Taxation: Subject to capital gains tax.
Ideal for: Investors wanting liquidity with moderate returns.