Fixed Deposit
Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits.
Types of Companies offering Fixed Deposits
Financial Institutions
Non-Banking Finance Companies (NBFCs).
Manufacturing Companies
Housing Finance Companies
Government Companies
Features and Benefits
Company Fixed Deposits offer comparatively higher returns than banks.
Choose the best tenure for you from a wide range as per your convenience. You can choose how frequently you want to receive your interest payments:
- Maturity
- Yearly
- Half-yearly
- Quarterly
- Monthly
Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused.
Premature encashment of deposit is available any time subject to payment of prescribed penalty.
Diversify Risk– The deposits should be spread over a large number of companies engaged in different industries. This way, you will be able to diversify your risk among various industries/companies.
Wide Choices– Many companies operating in the Company Deposit market. This will help you decide whether to renew or reshuffle the deposit.
Attractive rates as applicable from time to time.
Bonds
NCD (Non-Convertible Debenture)
NCD (Non Convertible Debentures) is essentially a debt instrument with a fixed tenure that pays a certain rate of interest monthly, quarterly, annually or at the end of the tenure.
The money invested is returned either over the tenure of the investment or at the end of the tenure (referred to as bullet payment). These are certificates issued by companies to raise funds through the public issue. These instruments cannot be converted into equity shares and usually carry higher interest rates than the convertible ones.
8 % Tax Saving Bonds
The Government of India 8% taxable saving bond 2003, is an instrument for those investors who are seeking a secured return with almost no risk. It is not a good option for those investors who are looking for capital appreciation or high and risk free returns
Private Placement Bonds
Private Placement is a way of raising capital through an offer for subscribing to securities by a select investor class such as banks, mutual funds, insurance companies and pension funds. Since here the securities are not made available for subscription to public at large in the open market but only to select specific investors, it is known as private placement.
Capital invested in a company that is not publicly traded on a stock exchange is known as Private Equity. It involves investors directly making investments into a private company or conduct buyouts of public companies resulting into the delisting of the public companies or significant minority investments in Public Companies holding non-tradable (i.e. Locked in) Equity. Capital for investment is usually raised from the institutional investors.
Tax Free Bonds
Tax-free bonds are debt instruments that pay income that is exempt from federal and/or state income taxes. Tax free refers to certain types of goods and/or financial products (such as municipal bonds) that are not taxed and with earnings that are not taxed.
The tax free status of these goods and/or funds may incentivize individuals and business entities to increase spending or investing, resulting in economic stimulus. Governments will often provide a tax break to investors purchasing government bonds to ensure that enough funding will be available for expenditure projects.
Capital Gain Bonds
Capital bonds are being issued as “Long term specified assets” within the meaning of Sub- Section 54-EC of the Income Tax Act, 1961. Those desirous of availing exemption from capital gains tax under Section 54 EC may invest in these bonds.
Capital gains arising from transfer of Long-term capital assets can be invested in these bonds within a period of six months from the date of transfer of the asset for getting exemption from the capital gains tax.Eg-REC & NHAI Bonds
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