Fixed Income Investments Made Easy
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Fixed Income
Investment Options
Our range of fixed income investment offerings cater to a wide range of risk appetites and investment outcomes. Whether you are looking for growth, diversification from stock market risk, capital preservation or income generation, we have a solution for you.
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Corporate Fixed Deposits
Earn higher yield compared to bank FDs {with higher risk} by investing in deposits offered by reputed companies.
Bonds
From 54EC capital gain bonds and tax-free bonds to sovereign bonds, let us let you find and invest in the right product for you.
NCD's
Low risk, high liquidity (listed on stock exchange) and high returns, invest in Non-convertible debentures with Arihant.
Debt Funds
Whether you are investing for short-term {like a week} or a longer period, our advisors will recommend products suited to your needs.
- Bonds
- Company Deposit
Boost your returns with
Corporate FDs and NCDs
Fixed interest, higher returns – invest in corporate fixed deposits and non-convertible debentures of high-quality companies.
- Non-Convertible Debentures(NCDs)
- Corporate FDs
| Company | Ratings | Min. Inv(₹) | 1Yr(%) Edit | 2Yr(%) Edit | 3Yr(%) Edit | Addl for Sr.Citizen(%) Edit | Action |
|---|---|---|---|---|---|---|---|
| HDFC Ltd | FAAA | 40000 | 5.50 | 5.65 | 5.85 | 0.25(upto ₹2 cr) | INVEST Download |
| Bajaj Finance | AAA | 25000 | 5.98 | 6.41 | 6.79 | 0.25(upto ₹5 cr) | INVESTDownload |
| FAAA | 50000 | 5.15 | 5.65 | 5.75 | 0.25 | INVESTDownload | |
| LIC Housing Finance Ltd | FAAA | 200000 | 5.10 | 5.50 | 5.60 | 0.25 | INVESTDownload |
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Invest in high quality
PSU and Corporate Bonds
Fixed interest, higher yields/returns than fixed deposits.
- Capital Gain Bonds
- Secondary Bonds
- Tax-Free Bonds
- Government
| Security | Coupon(%) Yield / CouponCoupon: Rate of interest paid by this bond in a regular interval.Yield: The effective return realized by an investor from this bond. While the coupon remains fixed for a bond, Yield can vary according to the price of a bond. | Tenure Tenure indicates after how many months from the date of allotment, the bond will mature. On maturity the principal amount and the dues interest will be paid back to the bond holder by the bond issuer.There is a lock-in of 5 yrs in capital gains tax bonds, which means you cannot exit for 5 years once invested in this bond to avail og capital gains exemption. | Issue Rating | Payments This indicates how frequently you receive the interest payment | Min Investment(₹) | Max Investment(₹) | Action |
|---|---|---|---|---|---|---|---|
| REC 54EC Bonds | 5.25% | 5 Years | AAA | Yearly | 20000(2 bonds) | 5000000 | INVEST |
| PFC 54EC Bonds | 5.25% | 5 Years | AAA | Yearly | 20000(2 bond) | 5000000 | INVEST |
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| Security | Coupon(%) Yield / CouponCoupon: Rate of interest paid by this bond in a regular interval.Yield: The effective return realized by an investor from this bond. While the coupon remains fixed for a bond, Yield can vary according to the price of a bond. | Yield(%) Yield / CouponCoupon: Rate of interest paid by this bond in a regular interval.Yield: The effective return realized by an investor from this bond. While the coupon remains fixed for a bond, Yield can vary according to the price of a bond. | Maturity Maturity/Call DateThe date on which the principal and due interest amount are paid to the bondholder by the issuer. | Payments | Investment | Action |
|---|---|---|---|---|---|---|
| 8.75 | 8.01 | CALL : 30-AUG-2024 | Yearly | Multiple of 10.00 Lacs | INVEST | |
| 8.70 | 8.05 | CALL : 28-NOV-2024 | Yearly | Multiple of 10 Lacs | INVEST | |
| 8.50 | 31-Dec-25 | Yearly | Multiple of 1 Cr | INVEST | ||
| 10.90 | 07-May-22 | Yearly | Multiple of 10 Lacs | INVEST | ||
| 9.15 | 20-Jun-23 | Yearly | Multiple of 10 Lacs | INVEST | ||
| Hinduja Leyland Finance Ltd. 2022 (Sub-Debt)Rated: AA- by CARE | 11.10 | 08-Apr-22 | Yearly | Multiple of 10 Lacs | INVEST | |
| Manappuram Finance Ltd. 2022 (Secured)Rated: AA by CARE | 9.25 | 14-Feb-22 | Yearly | Multiple of 10 Lacs | INVEST | |
| 10.85 | 09-May-22 | Monthly | Multiple of 10 Lacs | INVEST | ||
| Shriram City Union Finance Ltd. 2023 (Secured)Rated: AA by CRISIL | 9.25 | Put: 05-Jun-21, Maturity: 05-Mar-23 | Quarterly | Multiple of 5 Lacs | INVEST | |
| 7.40 | 05-Jan-24 | Yearly | Multiple of 10 Lacs | INVEST | ||
| Asirvad Micro Finance Limited 2026 (Sub-Debt)Rated: AA- by CRISIL | 11.90 | 26-Jan-26 | Monthly | Multiple of 10 Lacs | INVEST | |
| 10.15 | 20-Apr-2021: 25% 20-Jul-2021: 25% 20-Oct-2021: 25% 20-Jan-2022: 25% | Quarterly | Multiple of 7.50 Lacs | INVEST | ||
| 8.75 | 8.51 | 23 May 2030 | Yearly | Multiple of 2.00 Lacs | INVEST | |
| SHRIRAM FINANCE LIMITED 2026 (SECURED) : AA+(STABLE) BY CRISIL | 8.75 | 8.65 | 04 May 2026 | Yearly | Multiples Of 5.00 Crore | INVEST |
| 7.79 | 7.71 | 20 September 2033 | Yearly | Multiples Of 5.00 Crore | INVEST | |
| 9.95 | 9.10 | 30-JUN-2025 : 25% 30-SEP-2025 : 25% 31-DEC-2025 : 25% 31-MAR-2026 : 25% | Quarterly | Multiples Of 10.00 Lacs | INVEST |
Please note that the above mentioned rates are Indicative & Subject to market Fluctuations.
Confirm rates as well as availability of Securities before finalizing the deal.
| Security | Coupon(%) Yield / CouponCoupon: Rate of interest paid by this bond in a regular interval.Yield: The effective return realized by an investor from this bond. While the coupon remains fixed for a bond, Yield can vary according to the price of a bond. | Yield(%) Yield / CouponCoupon: Rate of interest paid by this bond in a regular interval.Yield: The effective return realized by an investor from this bond. While the coupon remains fixed for a bond, Yield can vary according to the price of a bond. | Maturity Maturity/Call DateThe date on which the principal and due interest amount are paid to the bondholder by the issuer. | Ip Freq Interest Payment: The date and frequency on which you will receive interest payments. | Quantum | Action |
|---|---|---|---|---|---|---|
| HUDCO Tax Free 2033 | 8.74 | 25-Oct-33 | 25th Oct | 3.50 Lacs | INVEST | |
| NHAI Tax Free 2029 | 8.50 | 05-Feb-29 | 15th March | 3.89 Lacs | INVEST | |
| HUDCO Tax Free 2031 | 7.39 | 5.20 | 08-Feb-31 | 08th Feb | 4.00 Lacs | INVEST |
| IIFCL Tax Free 2033 | 7.08 | 26-Mar-33 | 26 Mar | 9.00 Lacs | INVEST | |
| IRFC Tax Free 2031 | 7.35 | 22-Mar-31 | 15th Oct | 16.52 Lacs | INVEST | |
| IRFC Tax Free 2028 | 7.04 | 5.20 | 23-Mar-28 | 15th Oct | 10.00 Lacs | INVEST |
| PFC Tax Free 2028 | 7.04 | 5.20 | 28-Mar-28 | 28th Mar | 10.00 Lacs | INVEST |
| REC Tax Free 2028 | 7.04 | 5.20 | 25-Mar-28 | 01st Dec | 10.01 Lacs | INVEST |
| HUDCO Tax Free 2024 | 8.51 | 5.15 | 13-Jan-24 | MMY | 2.00 Cr Lot | INVEST |
| IIFCL Tax Free 2024 | 8.41 | 5.15 | 22-Jan-24 | MMY | Multiples of 5 Cr | INVEST |
Please note that the above mentioned rates are Indicative & Subject to market Fluctuations.
Confirm rates as well as availability of Securities before finalizing the deal.
| Security | Coupon p.a.(%) | Lock-in | Issue Rating | Min Investment(₹) | Action |
|---|---|---|---|---|---|
| RBI Floating Rate Savings Bond | 8.05% (7.70% + 0.35%) for period july 1, 2023 to December 30, 2023 and payable on January 1, 2024 | 7 Years | REMOVE THIS | 1000 | INVEST |
Tax-free Bonds Public Sector Bonds Highly Safe Bonds Capital Gains Tax Bonds NRI Eligible Bonds
Why Arihant?
With our proven track-record, you can be sure to receive secured principal and secured profit payments, providing you with above-market returns in addition to peace of mind.
One-stop for Fixed
Income Investments
Wide-range of fixed income product offerings means it’s easy for you to invest and track your investments.
Why Arihant?
With our proven track-record, you can be sure to receive secured principal and secured profit payments, providing you with above-market returns in addition to peace of mind.
Earn Higher Fixed Returns &
Unmatchable service
Our advisors will take care of everything from the best product selection (with high returns) to execution.
Before you Invest
Make sure you read the application form carefully
Do the background check of the company and its promoters before investing
Look at the ratings of the company. A higher rate of interest is often due to high-risk associated with the product
Bonds and fixed income products may carry liquidity risk. So invest keeping the tenure in mind.
FAQs
Q : Why should I invest in the Fixed Income products?
Fixed income products are a great way to diversify your portfolio while earning higher return (as high as 9 – 10% per annum or more) at minimum to low risk. Investments in corporate fixed deposits, bonds and debentures are a more rewarding than bank fixed deposits or debt mutual funds. Additionally, you can also get additional tax benefits like capital gains exemption from 54EC bonds or tax-free income from tax-free bonds with minimum risk from high rated and government bonds. With Arihant Capital’s you get access to bonds that were earlier available only to large corporations, institutions, family offices, or HNIs and hand picked corporate fixed deposits to ensure you only invested in best rated products.
Q : What fixed income investments does Arihant offer?
At Arihant we believe that every investor should hold a well-diversified portfolio spanning across asset classes. Therefore we provide a range of investment options to suit all your investment needs. For investors looking for safer investment avenues we offer a range of investment options including government bonds (NHAI, REC, NABARD), corporate fixed deposits, NCDs, corporate and tax-free bonds and debt funds.
Q : Who can invest in 54EC capital gains bonds?
Any individual, Hindu Undivided Family (HUF), approved institution and non-resident Indian (NRI), can invest in these bonds provided certain conditions are met. The condition is that only long-term capital gains (LTCG) earned by selling a residential flat or independent house, which you held for at least three years, can be invested in this bond.
Q : Why should I choose bonds or corporate FDs over bank fixed deposits?
Corporate fixed deposits and bonds and can yield higher interest returns than bank FDs while they are all low-risk securities. Moreover, unlike bank FDs bonds are tradable offering you high liquidity. Bonds can also help you meet your different investment needs like generating a regular income stream, savings tax on interest income, savings tax in capital gains, which the bank FDs can’t.
Q : Who can invest in a corporate fixed deposit?
The following people are eligible to invest in a fixed deposit:
- Residents
- Hindu Undivided Family (HUF)
- Group Companies, Limited Companies, Partnership Firms
- Associations, Clubs and Societies
- Family Trusts
- Minors (through their natural or legally appointed guardian)
Q : Is TDS applicable on the interest earned on corporate fixed deposit?
Tax Deduction at Source (TDS) is not applicable to the interest earned up to Rs. 5,000 to 10,000 (depending on the financial institution). If the investor’s total income is lower than the taxable limit, they can furnish Form 15G/15H at the time of opening a FD account to avoid tax deduction.
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