Love Fixed Income?
Whatever your investing style, we have a solution for you!
Interest Income
Portfolio Security
Options
Why Anand Rathi for Fixed Income?
Your growth and security prioritized, with our thorough strategies
Customized Solutions
Tailored to align with your financial objectives, risk tolerance, and investment timeline
Professional Support
Strategic insights and domain expertise from seasoned financial professionals
Stable Returns
Fixed income options designed to optimize the value of your assets
Clear and Transparent
Straightforward, user-friendly, and efficient investment journey that adheres to regulations
Our Fixed Income Offerings
Customized options to fit unique investment needs of growth and security
Short-Term Bonds
Ideal for quick liquidity and short investment horizons, these bonds offer lower interest rates but high security.
Long-Term Bonds
Designed for steady, long-term growth, these bonds provide higher yields for investors with extended financial goals.
Tax-Exempt Bonds
Optimized for tax efficiency, these bonds offer tax-free interest, making them a smart choice for minimizing tax burdens.
Debt Mutual Funds
Suited to balance your portfolio, bonds, debentures and government securities offer diversification.
Custom Solutions for HNIs and NRIs
Tailored for High Net-Worth Individuals and Non-Resident Indians, these fixed-income strategies offer expert support and competitive yields.
All About Fixed Income
Fixed income instruments include stable, low-risk assets designed to deliver consistent interest payments for specific investment horizons. They are ideal for investors seeking regular income and capital preservation.
Know Your Fixed Income Instruments
1.
Government Bonds
Reliable investments with fixed outcomes, backed by the government
2.
Corporate Bonds
Used by businesses to raise capital, yields surpassing those of government bonds with a moderate risk profile
3.
Treasury Bills
Exceptional liquidity with defined rates, perfect for smaller time frames
4.
Fixed Deposits (FDs)
Ideal for conservative investors seeking assured returns and adaptable terms
5.
Tax-Free Bonds
Income that is exempt from taxation, optimal for your tax-efficient portfolio
Why Fixed Income?
Capital Preservation
Protect your principal investment with lower volatility compared to equity investments.
Stable Returns
Enjoy predictable income streams through regular interest payments.
Portfolio Diversification
Balance your investment portfolio and reduce overall risk exposure.
Income Generation
Create reliable cash flow for retirees or those seeking regular income.
Tax Efficiency
Access tax-free options and optimize your after-tax returns on investments.
Liquidity Options
Choose from various maturities to align with your specific financial timeline.
Popular Fixed Income Options
Government Bonds
Sovereign backing with maximum safety for conservative investors.
Corporate Bonds
Higher yields compared to government securities with moderate risk.
Fixed Deposits
Traditional savings with guaranteed returns and deposit insurance.
Reasons to Consider Fixed Income in a Balanced Portfolio
Fixed-income investments, with their many advantages, are essential to a diversified portfolio.
Portfolio Stability
These conservative investments serve as a safeguard, minimising overall portfolio fluctuations and preserving a portion of capital from market declines.
Portfolio Stability
These conservative investments serve as a safeguard, minimising overall portfolio fluctuations and preserving a portion of capital from market declines.
Suitable for Cautious Investors
Fixed income offers an ideal solution for individuals aiming for dependable returns while minimising exposure to substantial risk.
Complements High-Risk Investments
They counterbalance higher-risk investments like equities to reduce the overall risk of your portfolio while maintaining exposure to growth.
The Fixed Income Market in India
Keep yourself updated on the most recent trends and strategies in the fixed-income market with Anand Rathi.
Market Dynamics
The prevailing climate of high interest rates presents investors with the chance to secure appealing yields. The availability of Fixed Income products across categories and maturity periods offers diversification options for all types of investors.
Market Stability
During times of economic uncertainty, Fixed Income investments are often favoured for their inherent low-risk characteristics.
Professional Insights
Our dedicated research team delivers comprehensive analysis and strategic insights designed to empower you in navigating current market dynamics effectively.
Fixed Income FAQs
Your Questions, Answered
What is the minimum investment required for fixed income products?
The specific product in question determines the required minimum investment. The minimum investment for fixed deposits can start at ₹1,000, whereas bonds and mutual funds may require higher minimum amounts based on the fund house and investment type.
Are returns assured on fixed income products?
Government bonds and fixed deposits offer guaranteed returns amounting to the coupon rate mentioned, assuming they are held to maturity. Returns on corporate bonds and debt mutual funds can depend on market conditions and the creditworthiness of the issuer.
What factors should I consider when selecting a suitable fixed income instrument?
Selecting the appropriate instrument is dependent on your investment objectives, risk appetite, and time frame. Anand Rathi's expert advisors can assist you in identifying the most appropriate fixed income options tailored to your requirements.
What distinguishes fixed deposits from bonds?
Fixed deposits are available through banks, ensuring reliable returns for investors. On the other hand, corporations or governments issue bonds, which have the potential to yield higher returns, but they also carry an increased risk due to credit and interest rate fluctuations.
Is it possible to access my investment prior to its maturity date?
Fixed deposits and bonds typically feature a predetermined maturity period. Withdrawing funds prematurely could result in penalties or a decrease in accrued interest. Debt mutual funds provide enhanced flexibility and liquidity options.
Are fixed income investments appropriate for retirees?
Absolutely. Fixed income investments serve as an excellent choice for retirees targeting consistent income while minimising risk exposure. They ensure a consistent cash flow, helping retirees effectively manage their living expenses.
What is the frequency of interest payments from my fixed income investments?
The frequency of interest payments depends on the specific product. Fixed deposits typically offer options for interest payouts on a quarterly, annual, or maturity basis. Bonds generally offer annual or semi-annual interest payments, whereas debt mutual funds yield returns depending upon their performance.
What are tax-free bonds?
Government-backed entities issue tax-free bonds, offering tax-exempt interest income. This makes them a compelling choice for investors aiming to minimize their tax outgo.
What is the impact of interest rates on fixed income investments?
The relationship between interest rates and bond prices is inversely correlated. As interest rates increase, the value of current bonds generally declines. As a result, the impact of interest fluctuations on returns for fixed income products is significant.
Is it possible to invest in fixed income products via mutual funds?
Certainly. Debt mutual funds offer access to a diverse range of fixed income securities, facilitating diversification and expert management of your fixed income portfolio.
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Anand Rathi Share and Stock Brokers Ltd.
SEBI Registration No.: INZ000170832 (BSE-949 | NSE-06769 | MSEI-1014 | MCX-56185 | NCDEX-1252), CDSL & NSDL: IN-DP-437-2019. *Research Analyst - INH000000834. PMS: INP000000282 is Registered under "Anand Rathi Advisors Limited" | MBD-INM000010478 is Registered under "Anand Rathi Advisors Limited"| NBFC is Registered under "Anand Rathi Global Finance Limited" Regn. No.: B-13.01682 | Insurance is Registered under "Anand Rathi Insurance Brokers Ltd." License No. 175. Insurance Corporate Agent: CA1048 (This registration shall be valid from 04-Jun-2025 to 03-Jun-2028).
Anand Rathi International Ventures (IFSC) Private Limited.
SEBI Registration No.: INZ000292939 (INDIA INX Member Code: TM - 5064 | NSE IX Member Code: TM -10048, IIBX Member Code: TM – 2011), IIDI DP ID 350071 AND Registration No.: IFSCA/DP/2022-23/007, IFSCA/CMI/Distributor/2023-24/0002. CIN No.: U65999GJ2016PTC094915. For any complaints email at Ifscgrievance@rathi.com. Regulator: International Financial Services Centres Authority (IFSCA)- https://www.ifsca.gov.in/
Disclaimer:
Equity: Investment in securities market are subject to market risks, read all the related documents carefully before investing.
The securities are quoted as an example and not as a recommendation.
Mutual Funds: Mutual Fund investments are subject to market risks, read all scheme related documents carefully before Investing. AMFI-Registered Mutual Fund Distributor: ARN-4478 (Initial Registration 4th Feb, 2003 & Valid From 2nd April, 2025 - 1st April, 2028) : Anand Rathi Share and Stock Brokers Ltd. | ARN-111569: Anand Rathi Wealth Limited | ARN-100284: AR Digital Wealth Private Limited.
IPO: Opening of account will not guarantee allotment of shares in IPO. Investors are requested to do their own due diligence before investing in any IPO.
*Third Party products: All third-party products like PMS, Mutual Funds, Fixed Income Products, IBS, Bonds, AIFs are not Exchange traded product and "ARSSBL" is just acting as distributor. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.
MTF: MTF is subject to the provisions of SEBI Cir. CIR/MRD/DP/54/2017 dt June 13, 2017 & terms and conditions mentioned in rights and obligations statement issued by the ARSSBL
Investment Baskets: Baskets are not Exchange traded product, all disputes with respect to this activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.
Research Analyst: The views expressed in this website accurately reflect the personal views of the analyst(s) about the subject securities or issuers and no part of the compensation of the research analyst(s) was, is, or will be directly or indirectly related to the specific recommendations or views expressed by the research analyst(s). The advertisment are bound by stringent internal regulations and also legal and statutory requirements of the Securities and Exchange Board of India (hereinafter "SEBI").
Certification: Registration granted by SEBI and certification from NISM is in no way a guarantee of performance of the intermediary or provides any assurance of returns to investors.
*Award Winning Research: Anand Rathi Share and Stock Brokers Limited (Research Analyst) was awarded as "Best Equity Advisor" at World BFSI Congress & Awards 2022
*Client Data: Client data shown on this website is as on 31st March 2025
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IPO Disclosure:
Anand Rathi Share and Stock Brokers Limited is proposing, subject to receipt of requisite approvals, market conditions and other considerations, to make an initial public offer of its equity shares and has filed a draft red herring prospectus (DRHP) with the Securities and Exchange Board of India (SEBI). The DRHP is available on the website of SEBI at www.sebi.gov.in as well as on the websites of the Book Running Lead Managers, Nuvama Wealth Management Limited at www.nuvama.com, DAM Capital Advisors Limited at www.damcapital.in, and Anand Rathi Advisors Limited at www.anandrathiib.com, the websites of the stock exchange(s) at www.nseindia.com and www.bseindia.com, respectively. Any potential investor should note that investment in equity shares involves a high degree of risk and for details relating to such risk, see 'Risk Factors' of the DRHP. Potential investors should not rely on the DRHP for any investment decision.