The stable half of the portfolio, chosen on credit quality.
Corporate and bank FDs, government bonds, NCDs and treasury bills — matched to when you actually need the money, with issuer risk assessed before yield.
What’s included
Rate comparison
Live comparison across banks, NBFCs and corporate issuers for your tenure.
Credit assessment
Rating, promoter quality and repayment history reviewed before any recommendation.
Maturity laddering
Staggered maturities so funds arrive when your goals need them, without breaking deposits.
Tax positioning
Interest, indexation and TDS implications explained before you commit.
How we work on this
- 1
Define the need
When the money is needed, and how much volatility it can tolerate — usually none.
- 2
Shortlist issues
Options presented with yield, rating, tenure and liquidity side by side.
- 3
Execution
Application, KYC and allotment handled end to end.
- 4
Maturity tracking
Reminders ahead of maturity so nothing rolls over at a poor rate by default.
- Emergency funds and short-horizon goals under three years
- Retirees needing predictable interest income
- Conservative investors uncomfortable with equity volatility
- Businesses managing surplus working capital
Fixed income is not risk-free. Corporate deposits and NCDs carry credit risk; bond prices move with interest rates if sold before maturity.
Common questions
They carry issuer credit risk, unlike bank deposits which are insured up to ₹5 lakh. We recommend only highly rated issuers and cap exposure per issuer.
It depends on tenure, tax slab and liquidity needs. We compare post-tax outcomes for your specific case before advising.
FDs usually allow premature withdrawal with a rate penalty; listed bonds and NCDs can be sold in the market subject to liquidity.
Through RBI Retail Direct or the exchange. We guide first-time buyers through the account setup and bidding process.
What does a one-time deposit become?
Fixed income is the predictable half of a portfolio. Put in a sum and a tenure and see what it returns before you commit it.
FreeNo sign-upNothing is stored
₹5.00 L invested once, held for 10 years at 12% p.a.
Put your safe money to better work
A 30-minute conversation, no obligation. Bring your goals and current position — you'll leave with a clear first step.
- Reply within one working day
- No product pitch
- AMFI & IRDAI registered
- A 30-minute call about your goals
- A written plan, with the reasoning
- You decide — no obligation