AnandRathi

Love Fixed Income Investment?

Whatever your investing style, we have a solution for you!

Steady

Interest Income

Enhanced

Portfolio Security

Diversified

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Why Choose Anand Rathi for Fixed Income Investment?

Your growth and security prioritized, with our thorough strategies

Customized Solutions

Customized Solutions

Tailored to align with your financial objectives, risk tolerance, and investment timeline

Professional Support

Professional Support

Strategic insights and domain expertise from seasoned financial professionals

Stable Returns

Stable Returns

Fixed income options designed to optimize the value of your assets

Clear and Transparent

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.

What is 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

Benefits of Fixed Income Investment

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

Portfolio Stability

These conservative investments serve as a safeguard, minimising overall portfolio fluctuations and preserving a portion of capital from market declines.

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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Registered Office:

Express Zone A Wing 10th Floor, Western Express Highway, Goregaon east, Mumbai - 400063

Corporate Office:

11th Floor, Times Tower, Kamala Mills, Senapati Bapat Marg, Lower Parel, Mumbai - 400 013

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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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Attention Investors:

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  • Pay 20% upfront margin of the transaction value to trade in cash market segment.
  • Investors may please refer to the Exchange's Frequently Asked Questions (FAQs) issued vide circular reference NSE/INSP/45191 dated July 31, 2020 and NSE/INSP/45534 and BSE vide notice no. 20200731-7 dated July 31, 2020 and 20200831-45 dated August 31, 2020 dated August 31, 2020 and other guidelines issued from time to time in this regard
  • Check your Securities /MF/ Bonds in the consolidated account statement issued by NSDL/CDSL every month.