Fixed Income Investments: Stability and Returns

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 Fixed Deposits (FDs)

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
  • Bonds

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.

Regular Income

Bonds provide a steady source of regular income to diversity in the volatile market

Tax Saving

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-covertible Debentures (NCD)

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.

  • Return on Investment(RoI)

    NCD generally comes with a fixed maturity date on which the principal amount is returned to the investor.

  • Flexibility

    You can choose the income option from monthly, quarterly, yearly or at the maturity date itself.

  • Less volatile

    NCDs offer comparitively higher returns in moderate risk.

How to Choose the right fixed income products?

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

Step 1: Call Us / WhatsApp

Drop us a message on Whatsapp or call us at 8748939392

Step 2: Complete KYC

Our certified financial planners will get in touch with you and get a KYC done

Step 3: Plan with Us

We will fix a meeting to understand your financial journey and plan your portfolio

Step 4: Updates on Ashvvy App

Check your progress and all other updates from the Ashvvy app easily

Step 5: Contact Us

Call us in case of any query and we’ll be there

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