Fixed income products are a strategic choice for diversifying your investment portfolio while minimizing risk and ensuring stable returns. At Ashvvy Investment, we provide a range of dependable debt market options designed to help you achieve your financial goals.
Corporate FDs share similarities with traditional Bank Fixed Deposits but offer the advantage of potentially higher returns and enhanced liquidity. These FDs are extended by Financial and Non-Banking Financial Companies (NBFCs) to raise capital from the public. Investors have the flexibility to opt for regular payouts or accumulate capital for future needs.
At Ashvvy Investment, we offer an array of AAA-rated corporate FDs, providing you with opportunities to maximize your income, even in volatile market conditions.
| Basis | Bank FD | Corporate FD |
|---|---|---|
| Return Range* | 3-5% | 5-7% |
| Risk | Lower risk | Higher risk |
| Lock-in | Higher lock-in period | Lower lock-in period |
| Deposit Capping | No maximum deposit limit for banks | NBFCs have a maximum deposit limit |
When companies or government want to borrow money from the public, they issue bonds. Bonds are a great way to add regular fixed income in your portfolio. The price of the bond changes with interest rate fluctuation in the economy. The higher the interest rate,the lower are bond prices.
We at Ashvvy Investment help you choose the best Bonds depending on the duration, YTM (Yield-to-maturity) and credit quality.
Bonds like SGB come with a sovereign guarantee. Other AAA-rated bonds are considered a safe investment avenue.
Bonds provide a steady source of regular income to diversity in the volatile market
You can invest in tax-free bonds which earn interest tax-free. Bonds are also useful to avail the benefit of section 54EC of the IT act that provides capital gain exemption on property.
Non-convertable debentures or NCD is a form of corporate or government borrowing that can not be converted into equity shares. They offer regular coupon payments and come with a fixed maturity date on which the principal payment is made.
Some dentures are secured with collateral whereas others are not. The unsecured NCD offers higher returns. Thus, to avail high returns at low levels of risk, the borrower’s creditworthiness is analyzed.
We at Ashvvy Investment help you choose the right NCD to generate high returns for your hard-earned money.
NCD generally comes with a fixed maturity date on which the principal amount is returned to the investor.
You can choose the income option from monthly, quarterly, yearly or at the maturity date itself.
NCDs offer comparitively higher returns in moderate risk.
With so many options in the market, it becomes difficult to choose what is best for you. Moreover, what works for someone else might not work for your unique life goals. This is where we come in. Let’s have a look at the customer’s journey at Ashvvy
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AMFI Registered Mutual Fund Distributor | ARN- 172057 | Initial Date of Registration: 28/8/2020 | Current Validity: 27/8/2026
Grievance Officer: Rishika Jain | 9643879317
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