Fixed Income

Investment is time, energy, or matter spent in the hope of future benefits actualized within a specified date or time frame. Investment has a different meaning in finance from that in economics. In finance, investment is buying or creating an asset with the expectation of capital appreciation, dividends (profit), interest earnings, rents, or some combination of these returns.

A Fixed Deposit (FD) is a safe and reliable investment option that allows you to deposit a lump sum amount with a bank or financial institution for a fixed tenure at a predetermined interest rate.

  • Low Risk Investment – Guaranteed returns, unaffected by market fluctuations.
  • Flexible Tenures – Ranging from 7 days to 10 years.
  • Regular Income Option – Choose between cumulative (reinvested) or non-cumulative (regular payout) interest.
  • Loan Facility – Avail loans against your FD in case of emergencies

FDs are ideal for individuals looking for capital protection with steady returns.

The Post Office MIS (Monthly Income Scheme) is a government-backed savings scheme that provides investors with a fixed monthly income.

  • Guaranteed Monthly Payouts – Interest credited every month.
  • Secure & Reliable – Backed by the Government of India.
  • Deposit Limit – Up to ₹9 lakh for a single account, ₹15 lakh for joint accounts.
  • Tenure – 5 years (with premature withdrawal option after 1 year, subject to conditions)

    • Perfect for retirees and conservative investors seeking a stable monthly income.

    The RBI Floating Rate Savings Bonds are sovereign-backed bonds issued by the Government of India, ensuring safety and assured returns.

  • 100% Secure – Backed by RBI & Government of India.
  • Interest Rate – Linked to the National Savings Certificate (NSC), reset every 6 months.
  • Tenure – 7 years (no premature withdrawal except for senior citizens under certain conditions).
  • Taxable Interest – Paid half-yearly directly to the investor’s bank account.

    • Best suited for risk-averse investors looking for long-term guaranteed returns.

    The Senior Citizen Savings Scheme (SCSS) is a government-backed savings product designed exclusively for senior citizens aged 60 years and above.

  • High Interest Rates – Attractive fixed returns, payable quarterly.
  • Safe & Reliable – Sovereign guarantee by Government of India.
  • Investment Limit – Minimum ₹1,000, Maximum ₹30 lakh.
  • Tenure – 5 years (extendable by 3 years once).
  • Tax Benefits – Eligible for deduction under **Section 80C** of the Income Tax Act.

    • SCSS is ideal for retirees who want **regular income with safety and tax benefits**.

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