At Thakkar Investment Services, we provide expert guidance on Bonds and Non-Convertible Debentures (NCDs)—two of the most reliable investment instruments for those seeking stable income, capital preservation, and long-term financial security.

Bonds and NCDs are ideal for investors looking to diversify their portfolios, reduce overall investment risk, and generate fixed returns with lower volatility compared to equities. Whether you are planning for retirement, wealth preservation, or passive income generation, our range of bond investments can help you achieve your financial goals.

Why Invest in Bonds & NCDs?

1. Stable and Predictable Returns – Earn a fixed interest income over a specific tenure.
2. Lower Risk Compared to Equity – Bonds and NCDs are less volatile and offer secured returns.
3. Diversification for Balanced Portfolios – Reduce overall portfolio risk by including fixed-income securities.
4. Regular Income Stream – Bonds and NCDs provide periodic interest payouts, ensuring financial stability.
5. Capital Preservation – Ideal for conservative investors looking for steady and secure growth.

Types of Bonds & NCDs We Offer

1. RBI Taxable Bonds – Safe Investment Backed by the Government

RBI Floating Rate Savings Bonds (Taxable) – 2020 are one of the safest fixed-income investment options as they are backed by the Government of India. These bonds offer a floating interest rate, revised every six months, making them an attractive choice for risk-averse investors.

Key Features:

• Issuer: Reserve Bank of India (Government-backed)
• Tenure: 7 years
• Interest Rate: Floating (linked to the National Savings Certificate)
• Interest Payout: Semi-annual (no cumulative option)
• Taxation: Fully taxable as per the investor’s income tax slab
• Risk Level: Almost zero risk due to sovereign guarantee

Who Should Invest?

• Individuals seeking guaranteed returns with no risk.
• Investors looking for a stable income source over the long term.
• Retirees and senior citizens needing periodic interest payouts.

2. 54EC Capital Gain Bonds – Tax-Saving Bonds for Long-Term Investors

The 54EC Capital Gain Bonds are specifically designed for individuals who have earned capital gains from the sale of property and want to save on long-term capital gains tax under Section 54EC of the Income Tax Act.

Key Features:

• Issuer: Government-backed institutions like REC, NHAI, PFC, and IRFC
• Tenure: 5 years (lock-in period)
• Interest Rate: 5.25% – 5.50% (subject to changes)
• Tax Benefits: Exempt from long-term capital gains tax if invested within 6 months of property sale
• Maximum Investment Limit: ₹50 lakh per financial year
• Risk Level: Very low, as they are issued by government-backed entities

Who Should Invest?

• Property owners who have sold real estate and want to save on capital gains tax.
• Conservative investors seeking safe and predictable returns.
• Long-term investors looking for a secure investment option with tax benefits.

3. Non-Convertible Debentures (NCDs) – High-Yield Fixed-Income Investments

Non-Convertible Debentures (NCDs) are corporate debt instruments issued by companies to raise capital. Unlike bonds issued by the government, NCDs are issued by corporate entities and offer higher interest rates, making them an attractive investment for those seeking better returns than traditional fixed deposits.

Key Features:

• Issuer: Corporate companies (public and private)
• Tenure: 1 to 10 years (varies by issuer)
• Interest Rate: 7% – 10% per annum (higher than traditional FDs)
• Interest Payout Options: Monthly, Quarterly, Annually, or Cumulative
• Secured & Unsecured Options: Some NCDs are backed by assets, while others are unsecured
• Taxation: Interest income is taxable as per income slab

Who Should Invest?

• Investors seeking higher returns than bank FDs.
• Individuals comfortable with moderate credit risk.
• Those looking for regular interest payouts or lump sum returns at maturity.

How We Help You Invest in Bonds & NCDs

At Thakkar Investment Services, we ensure you make well-informed investment decisions by providing:

✔ Personalized Portfolio Planning – We help you choose the right bonds and NCDs based on your financial needs and risk tolerance.
✔ Access to the Best Bonds & NCDs – We provide investment opportunities in high-rated government and corporate bonds.
✔ Risk Assessment & Credit Ratings – We evaluate each investment option, ensuring safety and reliability.
✔ End-to-End Support – From selection to investment and redemption, we handle the entire process seamlessly.

Who Should Invest in Bonds & NCDs?

✔ Retirees & Senior Citizens – Looking for stable, risk-free returns and periodic interest payouts.
✔ Salaried Professionals & Business Owners – Seeking diversification and passive income.
✔ Real Estate Sellers – Wanting to save capital gains tax through 54EC Bonds.
✔ Conservative Investors – Prioritizing safety, capital preservation, and fixed returns.

Start Your Bond & NCD Investment Journey Today

Thakkar Investment Services is dedicated to helping you select the best fixed-income investments that align with your financial goals. Whether you are looking for stable returns, tax-saving options, or high-yield investments, we offer expert advice and seamless investment services.

Get in touch with us to explore the best bond and NCD options for your portfolio.