Fixed Income – Bonds, Debentures & FDs | Amyra Securities
Stable Returns · Capital Protection · Regular Income
Fixed Income — Bonds, Debentures & Fixed Deposits
Earn predictable, steady income without the volatility of equity markets. From government securities to high-yield corporate bonds, NCDs, and NBFC deposits — we help you build a fixed income portfolio that truly works for your wealth goals.
Government BondsCorporate BondsNCDsTax-Free BondsNBFC FDsSovereign Gold Bonds
🛡️ SEBI & RBI Regulated
📈 Yields up to 12%+ p.a.
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✦ Free Consultation · No Obligation
Explore Fixed Income Options
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Government BondsCorporate NCDsTax-Free BondsNBFC Fixed DepositsSovereign Gold BondsCapital ProtectionRegular IncomeYields up to 12%+SEBI & RBI RegulatedGovernment BondsCorporate NCDsTax-Free BondsNBFC Fixed DepositsSovereign Gold BondsCapital ProtectionRegular IncomeYields up to 12%+SEBI & RBI Regulated
Our Fixed Income Products
Six Ways to Earn Stable, Predictable Returns
We offer access to a comprehensive range of fixed income instruments — curated, rated, and reviewed by our advisory team so you invest only in quality paper.
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Yield: 7–7.5% p.a.
Government Bonds & G-Secs
The safest fixed income instrument backed by the Government of India. Ideal for capital preservation with sovereign guarantee and semi-annual coupon payments.
SafetySovereign Guarantee
Tenure1 – 40 Years
LiquidityTradeable on Exchange
Min. Investment₹10,000
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Yield: 8–11% p.a.
Corporate Bonds
Debt instruments issued by high-rated companies offering higher yields than government bonds. We focus on investment-grade issuers rated AA and above for optimal risk-return balance.
Rating FocusAA & Above
Tenure1 – 10 Years
CouponMonthly / Quarterly / Annual
Min. Investment₹1 Lakh
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Yield: 9–12% p.a.
NCDs – Non-Convertible Debentures
Listed debt instruments issued via public or private placement offering attractive yields. NCDs are ideal for investors seeking higher fixed returns with SEBI-regulated transparency and exchange listing.
ListingBSE / NSE
Tenure2 – 7 Years
SecuritySecured & Unsecured
Min. Investment₹10,000
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Yield: 5.5–6.5% (Tax-Free)
Tax-Free Bonds
Issued by PSUs such as NHAI, REC, and IRFC, these bonds offer interest that is completely exempt from income tax. For investors in the 30% tax bracket, the effective pre-tax yield is significantly higher.
Tax Benefit100% Tax-Free Interest
Issuer TypePSU / Govt Entities
Tenure10 – 20 Years
Best ForHigh Tax Bracket Investors
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Yield: 7.5–9.5% p.a.
NBFC & Company Fixed Deposits
Fixed deposits with RBI-registered NBFCs and reputed companies offering rates significantly higher than bank FDs. We recommend only CRISIL/ICRA-rated instruments for safety and reliability.
Rating FocusCRISIL / ICRA Rated
Tenure1 – 5 Years
PayoutMonthly / Quarterly / Cumulative
Min. Investment₹10,000
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Yield: 2.5% + Gold Price Gain
Sovereign Gold Bonds (SGBs)
Government-issued bonds denominated in grams of gold. Earn a fixed 2.5% interest per annum on your gold holding, plus the upside of gold price appreciation — completely capital gains tax-free on maturity.
Backed ByGovernment of India
Tenure8 Years (Exit after 5 Yrs)
Tax on MaturityZero Capital Gains
Min. Investment1 gram of Gold
Why Fixed Income
The Case for Stable Income Investing
In a world of market volatility, fixed income is the anchor of every well-built wealth portfolio. Here is why sophisticated investors always maintain a fixed income allocation.
01
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Capital Protection
Unlike equities, investment-grade bonds and government securities prioritise return of capital. Your principal is protected at maturity, giving you certainty that equity markets simply cannot offer.
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Predictable Regular Income
Bonds and debentures pay fixed coupons on a monthly, quarterly, or annual basis — creating a reliable cash flow stream ideal for retirees, business owners, and anyone seeking income certainty.
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Portfolio Diversification
Fixed income instruments are negatively correlated with equity markets in most scenarios. Adding bonds to an equity-heavy portfolio reduces overall volatility and smooths returns through market cycles.
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Tax-Efficient Options
Tax-free bonds, Sovereign Gold Bonds, and capital gain indexation on long-term bond holdings offer significant tax advantages — particularly powerful for investors in the 30% income tax bracket.
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Beat Bank FD Rates
Corporate bonds, NCDs, and NBFC deposits consistently offer 2–4% higher yields than traditional bank FDs — with comparable or slightly higher risk for investment-grade instruments. More return for similar safety.
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Liquidity Through Exchange Listing
Many bonds and NCDs are listed on BSE and NSE, giving investors the ability to sell before maturity if needed. This secondary market liquidity distinguishes listed bonds from traditional illiquid FDs.
The Process
Start Earning — 4 Simple Steps
01
Advisory Call
Our fixed income specialist understands your income requirements, tax bracket, investment horizon, and risk comfort to build the right product mix for you.
02
Curated Shortlist
We present a curated selection of bonds, NCDs, and deposits matched to your profile — with credit ratings, issuer details, yield, tenure, and payout structure clearly laid out.
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Invest & Settle
We guide you through the investment process — whether online via your demat account or offline via physical application — ensuring seamless, error-free execution.
04
Track & Reinvest
We monitor your portfolio, alert you to maturity dates, coupon receipts, and reinvestment opportunities — ensuring your fixed income always stays optimally deployed.
Our Advisory Edge
Why Invest in Fixed Income Through Amyra?
The fixed income market is vast, complex, and often opaque. Our specialists help you navigate it with clarity, find the best-yield instruments, and avoid hidden risks.
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Deep Credit ResearchWe analyse credit ratings, issuer financials, and covenant structures so you never invest in poorly-rated or misrepresented instruments.
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Yield OptimisationWe compare rates across issuers, tenures, and product types to build a ladder that maximises your blended yield while managing duration risk.
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Tax-Efficient StructuringWe factor in your tax bracket to recommend the most tax-efficient combination — balancing taxable high-yield products with tax-free and indexed instruments.
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Maturity LadderingWe stagger your fixed income investments across different maturities so you always have liquidity at regular intervals without sacrificing yield.
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Proactive Reinvestment AlertsWe monitor all your maturities and coupon receipts — alerting you well in advance and helping you reinvest immediately to prevent idle cash drag.
Ideal For
Fixed Income Works for Every Investor
Whether you are building wealth, preserving capital, or generating regular income — fixed income has a role to play in your portfolio at every stage of life.
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Retirees & Senior Citizens
Replace a salary with reliable monthly or quarterly coupon income from bonds and NCDs — without depending on stock market performance for your day-to-day expenses.
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High-Income Professionals
Tax-free bonds and SGBs deliver superior post-tax yields for investors in the 30% slab. Complement your equity portfolio with fixed income to reduce overall portfolio volatility.
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Business Owners
Park surplus business funds in short-term corporate bonds and NBFC FDs earning 9–10% — far superior to current and savings accounts for idle corporate cash.
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Conservative Investors
If equity markets make you uncomfortable, a well-structured fixed income portfolio of government securities and rated bonds gives you safety and 7–9% returns with minimal stress.
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HNIs & Family Offices
Sophisticated investors use fixed income to balance equity exposure, generate liquidity, and earn alpha over bank rates through carefully selected private credit and high-yield bonds.
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NRI Investors
NRIs can invest in government bonds and select NCDs through NRE / NRO accounts — earning India's attractive fixed income yields with potential currency appreciation upside.
₹100Cr+Fixed Income Deployed
9.2%Avg. Blended Yield Achieved
10+Years of Advisory Expertise
4.9★Client Satisfaction Score
Client Stories
What Our Fixed Income Investors Say
"
After retiring, I needed a reliable monthly income without touching my principal. Amyra built me a laddered bond portfolio — government securities, NBFC FDs, and NCDs — that generates ₹60,000 per month consistently. It replaced my salary completely.
M
★★★★★
Mahesh Gupta
Retired Bank Manager, Delhi
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I was earning 6.5% in bank FDs and thought that was normal. Amyra moved me to a combination of AA-rated corporate bonds and NBFC FDs at 9.8% average yield — on the same investment amount. That's a significant difference in real income every year.
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★★★★★
Neha Agarwal
CA & Business Owner, Noida
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As someone in the 30% tax bracket, tax-free bonds were a revelation. Amyra explained how a 6.2% tax-free yield equals 8.8% pre-tax — better than most taxable corporate bonds. They restructured my entire debt portfolio around this logic. Brilliant advisory.
K
★★★★★
Karan Bhatia
Senior Executive, Gurugram
Get Started
Start Earning Stable Fixed Income Today
Share your details and our fixed income specialist will call you within one business day. We will review your existing FDs and debt holdings and show you exactly how much more you could be earning.
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Call Us
+91 8920746260
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Email
info@amyrasecurities.com
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Office
House No. A4, Second Floor, Chottey Lal Park, Pro ultimate gym building , Najafgarh road , Ramesh nagar , New Delhi - 110015 ( Landmark: Metro Pillar 340 )
Centricity, 1105, 11th floor , Antriksh Bhawan , K G marg , Delhi -110001
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Hours
Mon – Sat: 9:00 AM – 6:00 PM
Common Questions
Frequently Asked Questions
Safety depends on the issuer's credit rating and the type of instrument. Government bonds (G-Secs) carry sovereign guarantee and are virtually risk-free. Investment-grade corporate bonds (rated AA and above) have a strong track record of repayment. We only recommend instruments that our credit research team has assessed and approved. Higher-yield instruments (such as some NCDs) carry relatively higher credit risk, which we disclose clearly before you invest.
Coupon income (interest) from most bonds and NCDs is taxable as per your income tax slab. Tax-free bonds are the exception — their interest is fully exempt from income tax under Section 10(15) of the Income Tax Act. Capital gains on sale of bonds before maturity are taxed as short-term (slab rate) or long-term (10% without indexation) depending on the holding period. Sovereign Gold Bonds are exempt from capital gains tax if held to maturity.
Both are debt instruments that pay fixed interest. The key difference is that NCDs (Non-Convertible Debentures) are issued by companies and listed on stock exchanges (BSE/NSE), offering secondary market liquidity. "Bonds" is a broader term that includes government securities, PSU bonds, and corporate bonds. NCDs are typically issued via public or private placements and tend to offer slightly higher yields than equivalent bonds due to issuer profile. We help you choose the right instrument based on your yield, safety, and liquidity requirements.
Yes, listed bonds and NCDs can be sold on BSE or NSE before maturity at prevailing market prices. However, the price may be higher or lower than your purchase price depending on interest rate movements. Government securities have very high liquidity. Some privately placed bonds may have limited secondary market liquidity. NBFC and company fixed deposits typically cannot be broken before maturity without a penalty, though some offer premature withdrawal with deducted interest.
NBFC deposits are generally considered slightly riskier than bank FDs because they are not covered under DICGC deposit insurance (which covers bank deposits up to ₹5 Lakh). However, RBI-regulated, highly-rated NBFCs (CRISIL AAA or ICRA AAA) have maintained an excellent repayment track record. We only recommend deposits from NBFCs with top-tier credit ratings, strong promoter backgrounds, and adequate capital adequacy ratios. The higher yield compensates for this marginal additional risk.
Sovereign Gold Bonds (SGBs) are government-issued bonds denominated in grams of gold. They offer three advantages over physical gold: (1) You earn a 2.5% per annum interest on your gold quantity, paid semi-annually; (2) There is no making charge, storage cost, or purity risk; and (3) Capital gains on SGB redemption at maturity are completely tax-free. You get full gold price appreciation without any of the disadvantages of holding physical gold.
AMFI Registered ARN Holder · SEBI & RBI Regulated Instruments | Investments in bonds, debentures, and fixed deposits are subject to credit risk, interest rate risk, and liquidity risk. Past yields are not indicative of future performance. Bond prices in the secondary market may fluctuate. NBFC fixed deposits are not covered under DICGC insurance. Credit ratings are assigned by rating agencies and may change over time. Yields mentioned are indicative ranges and are subject to market conditions at the time of investment. Tax treatment is subject to applicable laws and individual circumstances — please consult your tax advisor. This page is for informational purposes only and does not constitute a solicitation or offer to invest in any specific instrument.
