Secure Your Future with Fixed Income Securities
Invest in stable returns for long-term financial growth with Integrated’s trusted platform to invest in bonds and fixed income solutions. Our best platform to invest in bonds will meet your investment goals and help you navigate market fluctuations with confidence
- Better Interest Rates than banks
- Regular Income
- No Market Volatility
- Reliable corporates
Key Features of Corporate Fixed Deposits
Tenure
The deposit period ranges from 1 to 5 years.
Interest Payout Options
Investors can choose from monthly, quarterly, half-yearly, or yearly interest payouts based on their preferences.
Risk
Since these are unsecured deposits, it's crucial for investors to thoroughly assess the financial health of the company before investing.
Interest Rates
Rates are subject to change and are typically determined on the date of the deposit. It's recommended to verify the current rates with the branch team before investing.
Corporate Fixed Deposits
Corporate Fixed Deposits (CFDs) are investment instruments offered by companies, governed by Sections 73-76 of the Companies Act, 2013. Unlike bank fixed deposits, CFDs are unsecured, meaning they do not have collateral backing. However, they often provide higher returns compared to bank deposits.
Benefits of Investing in NCDs
Non-Convertible Debentures (NCDs) offer a secure path with predictable income, capital preservation, and tax perks. Dive into the benefits of NCDs for stability and smart financial growth!
1. Capital Preservation
- For individual investors who depend on capital protection, NCDs are an excellent choice. This is because they are an instrument of debt that guarantees repayment of the principal amount upon the date of maturity, safeguarding your investment.
2. Stable Income
Mutual funds pool money from multiple investors to invest in a diversified portfolio managed by the professionals.
- The guaranteed interest payments provide a reliable source of income for NCDs which helps with planning for the future financially. If you are working towards retirement or any other longer-term project, this savings strategy creates predictable and stable finances since it generates some fixed amount every month.
3. Low Risk
- NCDs are characterized by low risks as they are regarded as a safe investment, particularly when issued by companies with high credit ratings. They have more security compared to stocks but cannot be termed as risk-free, thus they are suitable for people who avoid risks.
4. Diversification
- The investment in NCDs creates an opportunity to have out of usually in the portfolio, thus it is a way of reducing total risk through the inclusion of reliable debt instruments besides the more volatile assets such as shares. This balanced approach is beneficial for your long-term finances.
5. Predictable Returns
- The returns with NCDs are apparent from the beginning. Because of this, you would be able to understand how much money you will make due to the best fixed interest bonds and maturity dates which will also help you in making financial decisions wisely.
6. Liquidity
- Investors can buy and sell NCDs on stock exchanges which provide liquidity. Hence, if one has an urgent need for funds before their paper matures, they can dispose of them and get cash enabling them to be able to meet their needs.
7. Long-Term Planning
- If you’re saving for retirement or making plans for the future, NCDs offer fixed returns and capital safety, making them one of the dependable fixed income instruments to accomplish your financing objectives.
Important Considerations
Corporate Fixed Deposits are unsecured, meaning they carry a higher risk compared to bank deposits.
It is essential to review the financial stability and creditworthiness of the issuing company before making an investment decision.
Please note that the interest rates mentioned were last updated on August, 31st 2024
Note: M/s. Integrated Enterprises (India) Pvt. Ltd., and its Directors/Employees cannot be held responsible for individual investment decision based thereon.
List of Companies Accepting FD
ICICI Home Finance
RATING: FAAA/Stable (CRISIL) / MAAA/Stable (ICRA) / AAA/Stable CARE
0.25% additional for senior citizens
| Regular Scheme Rates Minimum Amount Rs.10,000 (Yearly income plan) | |||||
|---|---|---|---|---|---|
| Regular Scheme Rates | |||||
| Period | Cumulative | Non-Cumulative | |||
| Cumulative Plan | Monthly Income Plan | Quarterly Income Plan | Yearly Income Plan | ||
| 12 - 23 months | 7.25% | 7.00% | 7.05% | 7.25% | |
| 24 - 35 months | 7.65% | 7.40% | 7.45% | 7.65% | |
| 36 - 47 months | 7.75% | 7.50% | 7.55% | 7.75% | |
| Special Scheme Rates Minimum Amount Rs.10,000 (Yearly Income Plan) | |||||
| 39 Months | 7.80% | 7.55% | 7.60% | 7.80% | |
| 45 Months | 7.80% | 7.55% | 7.60% | 7.80% | |
LIC Housing Finance
RATING:"FAAA/Stable CRISIL"
0.25% additional interest for senior citizen
| Minimum Amount Rs.20,000 & in multiples of Rs.1000 | ||||
|---|---|---|---|---|
| Period | CUMULATIVE PLAN | NON-CUMULATIVE PLAN | ||
| monthly option | yearly option | |||
| 12 Months | 6.70% | 6.40% | 6.70% | |
| 18 Months | 6.75% | 6.45% | 6.75% | |
| 24 Months | 6.80% | 6.60% | 6.80% | |
| 36 Months | 6.85% | 6.65% | 6.85% | |
| 60 Months | 6.90% | 6.70% | 6.90% | |
PNB Housing Finance
RATING:CARE AA /POSITIVE & CRISIL AA/Stable
0.30% additional for senior citizens
| Cumulative Option ROI (p.a.) | Non-Cumulative Option ROI (p.a.) | ||||||
|---|---|---|---|---|---|---|---|
| Tenure (Months) | ROI (p.a.) | Tentative yield to maturity | Monthly | Quarterly | Half Yearly | Annual | |
| 12 | 7.45% | 7.45% | 7.21% | 7.25% | 7.32% | 7.45% | |
| 24 | 7.25% | 7.51% | 7.02% | 7.06% | 7.12% | 7.25% | |
| 36 | 7.75% | 8.37% | 7.49% | 7.53% | 7.61% | 7.75% | |
| 48 | 7.40% | 8.26% | 7.16% | 7.20% | 7.26% | 7.40% | |
| 60 | 7.60% | 8.85% | 7.35% | 7.39% | 7.46% | 7.60% | |
Corporate Bonds & Non-Convertible Debentures (NCDs)
To raise money companies mostly use debt instruments like debentures and bonds. A debenture is a kind of bond investments with fixed interest rate for certain period of time. Non-Convertible Debentures (NCDs) are a kind of debenture that can never be converted into equity shares in the company. Depending on how the issuing firm is structured, NCDs may either be secured or unsecured; thus, it varies greatly from one firm to another if they are safe and have returns. The credit rating affects their safety and returns which are rated by agencies like CRISIL or ICRA among others.
- These are debentures that cannot be converted into equity shares of the issuing company.
- NCDs may or may not be secured. A secured NCD is backed by the company's assets.
- A company willing to raise money shall get its issue rated by credit rating agencies like CRISIL, ICRA, CARE, India Rating, Brickwork etc.
- A company willing to raise money shall get its issue rated by credit rating agencies like CRISIL, ICRA, CARE, India Rating, Brickwork etc.
Disclaimer for Investment in NCDs
Investors willing to invest in any NCD issue should read the offer documents thoroughly and understand the risks associated with NCDs before investing.
M/s. Integrated Enterprises (India) Pvt. Ltd. And its Directors/Employees cannot be held responsible for individual investment decisions by its customers. Our Customers are expected to review the Prospectus and make informed investment decisions thoroughly.
>Floating Rate Savings Bonds
Issuing of Government of India (GOI) Bonds is done by the Ministry of Finance in order to fund different government activities. GOI bonds have fixed rates of interest and have a long-term investment horizon. For risk-averse investors seeking steady returns, they represent an appealing choice.
Reserve Bank of India has introduced floating rate savings Bonds from 1st July 2020. As the name denotes, the interest rate would be reviewed every six months. From July 2023 to December 2023, it is fixed at 8.05% (taxable). Tenure for the bonds is 7 yeaRs.Early redemption is allowed for Senior Citizens in specific cases.
RBI Floating Rates Savings Bond 2020 (Taxable)Floating Rate Savings Bonds
As per Income Tax Act, Section 54 EC specifies that Capital Gain Bonds were developed to assist in avoiding taxes on long-term capital gains. If any investors sell off an asset and want to save capital gains tax, they can invest the proceeds in these bonds within six months after the sale. This type of scheme helps to reinvest realized profits while enjoying tax-exempt status, thus becoming an important instrument for tax avoidance. PFCL, IRFC or RECL are some key players who offer these bonds for people looking for ways to reduce their capital gains taxation.
Those desirous of availing exemption from capital gains tax under Section 54 EC may invest the sale proceeds in the capital gain bonds. The investment is to be made within a period of six months from the date of transfer/sale of the asset to get exemption from the capital gains tax. This exemption is available for long term capital gains i.e. the profits made from sale of assets after 3 years of acquisition.
| FEATURES | DETAILS |
|---|---|
| Face Value | Rs.10,000 per Bond |
| Minimum Application | Two Bonds of Rs.10,000 each |
| Maximum Application | 500 Bonds of Rs.10,000 (Rs.50,00,000) |
| Maturity | 5 years from the deemed date of allotment |
| Coupon Rate | 5.25% annually |
| Interest Payment | Annual |
| Transfer | Non-Transferable |
| TDS | Interest is taxable. No TDS is deducted on interest, and wealth tax is exempted. |