Fixed Income: Bonds, NCDs & Fixed Deposits

We structure your fixed income allocation across fixed deposits, corporate bonds, NCDs, and other fixed income instruments to create a diversified debt portfolio with predictable cash flows.

Credit quality and issuer strength are non negotiable. We apply strict filters to avoid chasing yield at the expense of capital safety, focusing on investment grade instruments.

Duration and tenure are carefully matched to your cash flow requirements, liquidity needs, and investment horizon, avoiding unnecessary reinvestment risk.

Defined coupon structures and maturity profiles give you clear visibility of expected cash flows.

Every instrument is evaluated on a post tax basis before deployment, and fixed income exposure is positioned as part of the overall portfolio allocation rather than in isolation.

Fixed deposits are positioned as a stabilising component within the broader asset allocation framework, not as the entire plan.