Your trust · Our growth
Fixed Deposits and Bonds offer predictable, low-risk returns for investors who prioritise capital preservation. Whether for a steady retirement income or tax-efficient growth, we help match the right instrument to your timeline.
AMFI Registered Mutual Fund Distributor · ARN 128020
Aligned
RBI / SEBI
Issuers
10+ Partners
Top FD
9.50% p.a.
Verified
700+ Clients
Top FD rate at 9.50%
Shriram Finance · Senior citizen special
AMFI Registered
ARN 128020
Trusted issuing banks and financial institutions
Why invest
Your principal is insulated from market volatility. Bank deposits are insured up to ₹5 Lakhs by DICGC, and bonds are held in your own Demat account.
Earn stable returns from 7.10% up to 9.50% annually, outpacing standard savings rates by up to 2.5 times without equity market exposure.
Utilise Section 80C deductions through tax-saving FDs or Section 10(15)(iv)(h) exemptions through tax-free PSU bonds to reduce your taxable income.
Choose payout schedules that match your needs — monthly income, quarterly payouts, or cumulative reinvestment, all deposited directly to your account.
How it works
Are you saving for a near-term need, building retirement income, or reducing tax liability? We start with your objective.
We compare interest rates, tenures, credit ratings and tax treatment across FDs, bonds and debentures to find the right fit.
A certified advisor presents a customised PDF with KYC steps, Demat setup, and secure transfer instructions.
Once you confirm, we facilitate the investment and track maturity dates, interest payouts, and renewal options for you.
Investment options
Secure, high-reliability fixed deposits backed by major private and public sector scheduled banks in India.
Fixed term deposit options with AAA and AA+ rated non-banking financial companies for superior returns.
Enhanced rate deposits offering highest security and increased periodic payouts exclusively for individuals aged 60 and above.
Government backed bonds with rates tied to National Savings Certificates and absolute capital guarantee.
Insured banking deposits tailored to reduce total taxable income while earning guaranteed returns.
Zero-tax coupon bonds issued by national PSUs like NHAI, REC, PFC, and IRFC suitable for high-bracket earners.
Premium listed bonds offering high yields backed by corporate assets with robust security layers.
Invest in sovereign state and federal treasury bills directly with stable passive income.
Compare rates
| Issuer | Yield p.a. | Tenure | Min deposit | Rating | Premature | |
|---|---|---|---|---|---|---|
SHM Shriram Finance Ltd | 8.60% | 12 — 60 Months | ₹10,000 | CRISIL AA+ | Allowed | |
BAJ Bajaj Finance Ltd | 8.10% | 15 — 44 Months | ₹15,000 | CRISIL AAA | Allowed | |
HDF HDFC Bank | 7.25% | 18 — 35 Months | ₹20,000 | CRISIL AAA | Allowed | |
ICI ICICI Bank | 7.20% | 12 — 120 Months | ₹10,000 | ICRA AAA | Locked | |
AXI Axis Bank | 7.20% | 6 — 120 Months | ₹10,000 | CRISIL AAA | Allowed | |
SBI State Bank of India | 7.10% | 1 — 10 Years | ₹10,000 | Sovereign | Allowed |
* Senior citizen markups apply for individuals aged 60 and above. Form 15H recommended for tax optimisation.
Debt marketplace
Returns estimator
Learn
How bond certificates function, what interest coupons mean, and why high-credit bonds provide a robust buffer for serious investors.
A comparison between bank term deposits and debt bonds across safety, tax treatment, yields, and liquidity.
How senior citizens can leverage 80TTB tax exemptions, special 0.50% markup rates, and monthly dividend flows for reliable income.
A detailed look at government bonds that adjust rates automatically as economic conditions change, backed by sovereign guarantees.
Client stories
"Capital preservation was my primary concern. The advisors structured a combination of Shriram Finance FDs and NHAI tax-free bonds that give me regular income every quarter without any worry."
Vijay Kumar Sharma
Retired Naval Officer · New Delhi
"I lacked the time to evaluate different corporate bonds. The curated marketplace made finding AAA-rated secured debentures with 8.8% returns very straightforward."
Dr. Ananya Mukherji
Senior Paediatrician · Kolkata
"The returns calculator helped me plan my allocation precisely. I invested ₹20 Lakhs across Bajaj corporate FDs and PSU bonds, and the compound returns outperform standard savings by a wide margin."
Rajesh Patel
Business Owner · Ahmedabad
"Being in the highest tax bracket, standard FD interest was heavily taxed. My advisor suggested NHAI tax-free bonds — saving 30% tax on annual interest was a significant boost to my retirement corpus."
Sunita Deshmukh
Director of HR · Mumbai
FAQ
Yes. We partner exclusively with commercial banks scheduled under the RBI and AAA or AA+ rated NBFCs. Bank FDs are insured up to ₹5 Lakhs by the DICGC. Bonds are held directly in your NSDL or CDSL Demat account, and corporate bond recommendations carry investment-grade credit ratings.
Yes. All our partner banks and NBFCs offer a premium of 0.50% to 0.75% per annum for individuals aged 60 and above. This is automatically applied in our rate comparisons and calculators.
Still have questions? Ask our advisor directly.
Get in touch
Share your details and one of our certified advisors will reach out to you.
Call us at +91 95637 20942 or reach out below — every enquiry is answered within one business day.
We do not place marketing calls after 8 pm.