Home › Services › Bonds & Fixed Deposits
Stable Returns.
Predictable Income.
Peace of Mind.
Not every rupee needs to be in the stock market. Aasaan Nivesh helps you invest in bonds and corporate fixed deposits — safer instruments that pay steady interest while your principal stays protected.
Every Portfolio Needs
a Stable Foundation
Equities grow wealth over the long term — but they move up and down daily. Fixed income instruments are the anchor in a balanced portfolio. They pay you a fixed, known rate of interest at regular intervals, and return your principal on a set date. No market-watching required.
In India, investors have long defaulted to bank FDs for this role. But corporate bonds and NBFC fixed deposits — from well-rated institutions like Bajaj Finance, Mahindra Finance, and Shriram Finance — offer meaningfully higher returns for the same general level of conservative risk.
“A bank FD gives you safety. A well-chosen corporate bond gives you safety — and better interest.”
Aasaan Nivesh helps you access these instruments with proper credit rating assessment, tenure matching, and income planning — so your fixed income allocation actually works for your portfolio goals.
Corporate Bonds vs Corporate FDs —
What's the Difference?
Both are fixed income instruments. Here’s how they differ and when each makes sense.
What's Currently Available
in the Market
Corporate FDs
| Issuer | Credit Rating | Interest Rate | Sr. Citizen | Tenure | Min. Invest |
|---|---|---|---|---|---|
Bajaj Finance Bajaj Finserv Group | FAAA / MAAA | Up to 7.40% | Up to 7.75% | 12–60 months | ₹15,000 |
Mahindra Finance Mahindra Group | CRISIL AAA | Up to 7.70% | Up to 7.95% | 12–60 months | ₹10,000 |
Shriram Finance Shriram Group | IND AA+ | Up to 7.60% | Up to 7.95% | 12–60 months | ₹5,000 |
PNB Housing Finance PNB Group | CRISIL AA | Up to 6.90% | Up to 7.15% | 12–120 months | ₹10,000 |
Sundaram Finance Sundaram Group | CRISIL AAA | Up to 7.00% | Up to 7.25% | 12–36 months | ₹10,000 |
Muthoot Capital Muthoot Group | ICRA A | Up to 9.10% | Up to 9.35% | 12–60 months | ₹10,000 |
* Rates are indicative as of early 2026 and subject to frequent revision. Senior citizen rates include an additional 0.25%–0.50% p.a. Verify current rates with Aasaan Nivesh before investing.
Corporate Bonds / NCDs
| Issuer | Credit Rating | Coupon Rate | Face Value | Tenure | Type |
|---|---|---|---|---|---|
Tata Capital Tata Group NBFC | CRISIL AAA | ~10.15% | ₹1,00,000 | Short-term | NCD |
HDB Financial Services HDFC Group | CRISIL AAA | ~8.33% | ₹1,00,000 | Medium-term | NCD |
Kotak Mahindra Prime Kotak Group | CRISIL AAA | ~8.05% | ₹1,00,000 | Medium-term | NCD |
Poonawalla Fincorp Poonawalla Group | BWR AA | ~10.75% | ₹1,000 | Medium-term | NCD |
Government of India Bonds Sovereign — Zero Default Risk | Sovereign | 7.10% – 7.50% | ₹1,000 | 5–40 years | G-Sec / SDL |
RBI Floating Rate Bonds Reserve Bank of India | Sovereign | ~8.05% | ₹1,000 | 7 years | RBI Bond |
* Coupon rates are indicative and vary by bond series and issue date. Contact Aasaan Nivesh for current availability and live YTM figures.
Government Instruments
| Instrument | Issuer | Indicative Yield | Risk Level | Tenure | Best For |
|---|---|---|---|---|---|
| RBI Floating Rate Savings Bonds | Reserve Bank of India | ~8.05% (linked to NSC) | Sovereign | 7 years | Conservative investors, retirees |
| Government Securities (G-Secs) | Govt. of India via RBI | 7.10% – 7.50% | Zero risk | 5 – 40 years | Long-term safety seekers |
| State Development Loans (SDLs) | State Governments | 7.50% – 7.80% | Near-Sovereign | 5 – 25 years | Higher yield with safety |
| Post Office Time Deposits | India Post / Govt. of India | 6.90% – 7.50% | Sovereign | 1 – 5 years | Senior citizens, rural savers |
| Sovereign Gold Bonds (SGBs) | RBI on behalf of Govt. | 2.5% + Gold appreciation | Sovereign | 8 years (exit after 5) | Gold exposure without storage |
* Government instruments carry zero default risk. Yields vary with RBI repo rate movements. Contact Aasaan Nivesh for guidance.
Corporate Bonds & FDs vs
Your Other Fixed Income Options
| Feature | Corp. Bonds / NCDs | Corporate FDs | Bank FDs | Savings A/c |
|---|---|---|---|---|
| Typical Interest Rate | 8–11% p.a. | 7–9.1% p.a. | 6.5–7.5% p.a. | 3–4% p.a. |
| Capital Safety (AAA) | ✓ High | ✓ High | ✓ + DICGC insured | ✓ Fully safe |
| DICGC Insurance (₹5L) | Not applicable | Not applicable | ✓ Yes — up to ₹5 lakh | ✓ Yes |
| Liquidity Before Maturity | ✓ Listed — sell on exchange | Possible with penalty | Possible with penalty | ✓ Anytime |
| Regular Income Option | ✓ Monthly / Quarterly / Annual | ✓ Monthly / Quarterly / Annual | ✓ Yes | No |
| Inflation-Beating | Possibly — at higher rates | Possibly | Rarely | No — loses to inflation |
| Tax on Interest | At slab rate / 10% TDS | At slab rate / TDS | At slab rate / TDS | At slab rate |
Credit ratings, interest rates, and terms vary by issuer. Verify all details before investing.
Who Should Consider
Fixed Income Products?
Retirees & Senior Citizens
Need regular monthly income without market risk. Corporate FDs with monthly payout offer predictable cash flow — plus extra 0.25–0.50% for senior citizens.
Conservative Investors
Don’t want equity exposure but want better than bank FD rates. AAA-rated corporate FDs give you higher returns with similar peace of mind.
Balanced Portfolio Builders
Already invested in equities and mutual funds. Fixed income is the anchor — reducing overall portfolio volatility while continuing to earn steady returns.
HNIs Parking Short-Term Surplus
Business owners or professionals with surplus cash between investments. Better return than a savings account, with a defined timeline and known exit.
Goal-Specific Investors
Money needed at a specific date — home purchase down payment in 2 years, school fees in 18 months. Fixed income locks in a known return to that deadline.
How Aasaan Nivesh Helps
with Fixed Income
We’re not a bond platform or a fintech app. We’re your advisor. Here’s what that means in practice.
Credit Rating Guidance
We explain what AAA, AA, and A ratings actually mean in plain English — and help you understand the risk you’re taking before you commit any money.
Tenure Matching
We match the bond or FD tenure to your actual needs — so you’re not locking money away longer than necessary or exiting early with a penalty.
Income Planning
For retirees and income seekers, we design a ladder of FDs and bonds with staggered maturity dates and interest payouts to match your monthly cash flow needs.
Portfolio Context
We recommend fixed income as part of your overall portfolio — not in isolation. The right allocation between equity, bonds, and FDs changes by age, risk profile, and goal.
Tax Awareness
Interest income from bonds and FDs is taxable. We help you understand TDS implications and coordinate with your CA for efficient tax planning around fixed income.
One Call, Real Advice
Call Akash Jain directly. Tell us your amount, timeline, and risk preference. We’ll recommend the right instrument — honestly, even if it means a simpler bank FD is more appropriate for you.
Risks You Should Know
Before Investing
Fixed income is safer than equity — but not risk-free. Here’s what to watch for.
No DICGC Insurance on Corporate FDs
Unlike bank FDs (insured up to ₹5 lakh by DICGC), corporate FDs and NBFC bonds have no government insurance. If the issuer defaults, there is no guaranteed recovery. This is why credit rating matters — stick to AAA and AA-rated issuers for lower risk.
Interest Rate Risk
If RBI cuts rates after you’ve invested, your fixed-rate investment looks better. But if rates rise, the market value of your existing bonds may fall (relevant if you want to sell before maturity).
Tax on Interest Income
Unlike equity LTCG (12.5% on gains above ₹1.25 lakh), bond interest is taxed at your full slab rate — which could be 20–30% for higher-income investors. Factor this in when comparing net-of-tax returns.
Liquidity Constraints
Corporate FDs may levy premature withdrawal penalties (typically 1–2% reduction in rate). Listed bonds can be sold on the exchange but the secondary market for some bonds is thin — you may not get a fair price quickly.
Bonds & FD FAQs
Want Stable Returns Without
the Market Rollercoaster?
Tell us your amount, timeline, and comfort level. We’ll suggest the right fixed income option — honestly, without overselling.
Free consultation · No obligation · Delhi (IP Extension) & Noida (Sector 22) · Senior citizen specialists
Disclaimer: Interest rates, credit ratings, and availability shown on this page are indicative only, sourced from publicly available data as of 2025–2026, and are subject to frequent change. They do not constitute an offer to buy or sell any security. Corporate Fixed Deposits are NOT covered by DICGC deposit insurance. Investments in bonds and corporate FDs carry credit risk and may not be suitable for all investors. Past repayment history of any issuer is not a guarantee of future performance. Aasaan Nivesh does not guarantee returns on any fixed income instrument. Please read all issuer-related documents carefully before investing. Tax treatment described is a general summary — consult your Chartered Accountant for advice specific to your situation. Contact us at aasaannivesh@gmail.com or 7678193636 before making any investment decision.