Fixed Income

Government just changed & tweaked, the norms for PPF or Public Provident Fund. These changes were made on 12 Dec 2019. Here is what changed in the New PPF 2019 guidelines. Also, download the new PPF forms. New PPF forms (1-5) are available at the last of this post. These guidelines will be called asRead More

Senior Citizen Savings Scheme – Updated 2023

by Madhupam Krishna

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The Senior Citizen Savings Scheme (SCSS) 2019 will replace the SCSS 2014 is a very good option for retired persons. This scheme got major updates & changes on 7 Nov, 2023 (mentioned below). The SCSS offers an attractive rate of return and interest is paid quarterly. This makes it a perfect product for senior citizensRead More

Bharat Bond ETF – Complete Details

by Madhupam Krishna

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The launch of Bharat Bond ETF is now considered as Best Thing Happening Around (BTHA). So, is it so good to miss, or should one invest? Let’s check Bharat Bond ETF – Complete Details, Taxation, Portfolio & Feature of Bharat Bond ETF NFO. Bharat Bond ETF NFO The ETF “surname” of Bharat Bond means ExchangeRead More

What is NCD? How to Select an NCD?

by Madhupam Krishna

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With fixed Deposit rates going south, NCDs are instruments who carry higher rates than Bank FDs & even corporate FDs. So, what is NC or non-convertible debentures? Is NCD a good investment? Is there risk in investing in NCD? Can this risk be minimized? How should you select an NCD to invest? Here are theRead More

Is Bank FD Safe? Current RBI Provisions

by Madhupam Krishna

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Recently a Cooperative Bank (PMC Bank) in India got bankrupted/failed. It is really unfortunate to see depositors waiting for their money. The event has again showcased, that there is Risk in Everything. The concept of RISK-FREE is a myth. Banks can fail & even countries can. But are Bank FD safe in India? If yes,Read More

Voluntary Provident Fund – A Good Choice in Fixed Income

by Madhupam Krishna

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Very few instruments have “fixed rate” & “tax-free” tag associated with them. Considering last year when rates in fixed deposits were at lowest and debt funds being highly volatile, Voluntary Provident Fund is an ideal choice for debt investments. Let’s see the details. The advantage of investing in voluntary provident fund lies in the factRead More