Services
Debentures and fixed income
Fixed-return options beyond the bank deposit, chosen with attention to who is borrowing your money.
- Options
- NCDs, company FDs, bonds
- Interest
- Monthly to on maturity
- Issuers
- Rated issuers only
- Tax
- At your slab rate
A debenture is a loan you give to a company in return for fixed interest and repayment on a set date. Non-convertible debentures and company fixed deposits often pay more than a bank deposit, and the difference is compensation for the credit risk you take.
We bring you public issues and deposits from established issuers, explain the rating and the terms, and handle the application and interest records. We say no to issues we would not put our own family's money in.
What we handle
Fixed income, start to finish
Public NCD issues
Applications for listed non-convertible debentures from rated issuers.
Company fixed deposits
Deposits from housing finance companies and large manufacturers with cumulative and payout options.
Government and tax-free bonds
Secondary-market bonds for investors who want sovereign-backed income.
Income laddering
Staggered maturities so that money comes back when you need it and reinvestment risk is spread.
How it works
What happens after you get in touch
Understand the need
How much income, how often, and when the capital is needed back.
Choose issuers
We present rated options with yield, tenure and the risks spelled out.
Apply and track
We handle the application, allotment and interest payment records.
Questions
Asked about fixed income
They carry credit risk: the issuer must be able to pay. We work with rated issuers and explain what the rating means. Secured NCDs are backed by company assets; unsecured ones are not.
Monthly, quarterly, annually or on maturity depending on the option you choose. It is credited directly to your bank account.
Yes, interest from debentures and company deposits is taxed at your slab rate. Tax-free bonds are the exception. We can help you weigh post-tax returns against debt mutual funds.
Often handled together
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Ask us about fixed income.
A first conversation is free and takes about thirty minutes, at the office in Angamaly or over a call.
Opposite St Martin's Shrine, Angamaly South P.O.
Angamaly, Kerala 683573
- Monday to Friday: 9:00 am to 6:00 pm
- Saturday: 9:00 am to 5:00 pm
Get directions
Ten minutes from Cochin International Airport