YOUR NCDs
Retail Short-Term · 80C Eligible
Growth Series · Semi-Annual Payout
ESG-Linked · Climate Finance
Secured · Asset-Backed · Conservative
Structured Premium · HNI Series
Elite High-Yield · Institutional Grade
Floating Rate · Flexible Tenor
MARKET
🏛️ Government Securities
G-Secs (Dated)
5–40 yrs · 7–8% · Sovereign
Treasury Bills
91–364 days · 6.5–7% · Sovereign
Sovereign Gold Bonds
8 yrs · 2.5%+gold · EEE
State Dev. Loans (SDLs)
5–30 yrs · 7.5–8.25% · RBI
RBI Floating Rate Bond
7 yrs · 7.35% · Sovereign
🏦 PSU / Govt Entities
PSU Bonds
3–30 yrs · 7.5–8.5% · SEBI/RBI
Tax-Free Bonds
10–20 yrs · 5.5–7% tax-free · SEBI
54EC Capital Gains Bonds
5 yrs lock-in · 5.25% · LTCG exempt
🏢 Corporate
Listed Secured NCDs
1–10 yrs · 8–11% · SEBI
Unsecured NCDs (Subordinated)
1–10 yrs · 10–13% · SEBI
Commercial Paper
7 days–1 yr · 7–9% · RBI
Market Linked Debentures
1–5 yrs · Variable · SEBI
🏦 Banking
Bank Fixed Deposit
7 days–10 yrs · 6.5–8% · RBI
Certificate of Deposit
7 days–1 yr · 7–8.5% · RBI
AT1 Bonds (Basel III)
Perpetual · 9–11% · RBI
🏘️ Small Savings
Senior Citizens Savings Scheme
5 yrs · 8.2% · 80C deduction
NSC
5 yrs · 7.7% compounded · 80C
Post Office MIS
5 yrs · 7.4% monthly · Sovereign
🌿 Thematic
Green Bonds
3–30 yrs · 8–10% · SEBI
Municipal Bonds
5–15 yrs · 8–9% · SEBI
