Predictable Returns.
Trusted Issuers.
Zero Guesswork.
Looking for stable, predictable returns beyond equities? At Caishen Capital, we help you build a resilient portfolio through carefully selected fixed-income and retirement investment solutions.
Access Corporate Fixed Deposits, NCDs, Commercial Papers, Bonds, and NPS based on your financial goals, investment horizon, income requirements, and risk appetite.
Whether your priority is regular income, capital preservation, portfolio diversification, or retirement planning, our team helps you identify suitable investment opportunities with greater clarity and confidence.
Corporate Fixed Deposits
Corporate Fixed Deposits are fixed-term deposits offered by companies and NBFCs that provide a predetermined rate of interest over a selected tenure.
They can be suitable for investors looking for predictable returns and potentially higher interest rates than traditional bank deposits.
At Caishen Capital, we evaluate issuers based on factors such as financial strength, credit profile, repayment history, and overall business fundamentals before recommending suitable opportunities.
Key Benefits
- Predictable Returns
- Flexible Tenures
- Regular Interest Payouts
- Multiple Issuer Options
NCDs – Non-Convertible Debentures
Non-Convertible Debentures are debt instruments issued by companies to raise capital. They offer a fixed or predefined coupon over a specified tenure.
Unlike convertible debentures, NCDs cannot be converted into equity. Many NCDs are listed on stock exchanges, which can provide an opportunity to sell them in the secondary market before maturity, subject to market liquidity.
NCDs can be considered by investors seeking regular income and potentially higher yields than traditional deposits, depending on the issuer’s credit quality and prevailing market conditions.
- Predictable Returns
- Flexible Tenures
- Regular Interest Payouts
- Multiple Issuer Options
Corporate FD vs NCD
| Feature | Corporate FD | NCD's |
|---|---|---|
|
Returns |
7% – 10% p.a. |
8% – 11% p.a. |
|
Tenure |
1 – 5 years |
2 – 10 years |
|
Liquidity |
Moderate |
Listed on Exchange |
|
Safety |
NBFC regulated |
Credit Rated |
|
Interest Payout |
Monthly/Quarterly/Annual |
Monthly/Annual |
*Indicative ranges only. Actual returns, tenure and terms depend on the issuer and prevailing offering.
How We Help Protect Your Capital
Fixed-income investments are not completely risk-free. That is why our approach focuses on evaluating risk before recommending an investment.
1
Thorough Due Diligence
Evaluate issuer strength, finances, repayment history, and credit ratings.
2
Focus on Credit Quality
Prioritise quality issuers based on financial health and independent ratings.
3
Diversification Across Issuers
Spread investments across suitable issuers to reduce concentration risk.
4
Regular
Monitoring
Track credit ratings, issuer performance, and key developments.
5
Goal-Based Recommendations
Select investments based on goals, horizon, liquidity, income needs, and risk appetite.
Who Should Consider Fixed Income Investments?
Fixed-income and retirement solutions may be suitable for:
- Conservative Investors looking for relatively predictable income and lower volatility than equities.
- Retirees seeking regular interest income from their investments.
- Portfolio Investors looking to diversify beyond equity and other market-linked assets.
- HNIs & Business Owners looking to efficiently deploy surplus funds.
- Short-Term Investors seeking suitable instruments for temporarily available funds.
- Long-Term Investors building a structured retirement corpus through solutions such as NPS.
Which Fixed Income Option Is Right for You?
| Your Goal | Options to Consider |
|---|---|
|
Regular Monthly/Quarterly Income |
Regular Monthly/Quarterly Income |
|
Short-Term Surplus Fund Deployment |
Commercial Papers |
|
Predictable Medium-Term Returns |
Corporate FDs, NCDs |
|
Portfolio Diversification |
Bonds, NCDs, Corporate FDs |
|
Long-Term Retirement Planning |
NPS |
|
Capital Preservation Focus |
High-quality Fixed-Income Instruments
|
*The right option depends on your investment horizon, liquidity needs, tax situation, expected returns, and risk appetite.
Why Invest with Caishen Capital?
Ready to Build a More Predictable Investment Portfolio?
Whether you want regular income, better utilisation of surplus funds, diversification beyond equities, or long-term retirement planning, Caishen Capital can help you identify fixed-income solutions aligned with your goals.
Speak with our advisors to understand the available opportunities and create a portfolio suited to your financial requirements.
FAQs
What is the difference between a Corporate FD and an NCD?
A Corporate FD is a fixed deposit offered by a company or NBFC for a predetermined tenure and interest rate. An NCD is a debt security issued by a company and may be listed on a stock exchange. Both can provide regular income, but their liquidity, structure, risks, and investment terms differ.
What is the difference between NCDs and Bonds?
Both are debt instruments used by issuers to raise capital. NCDs are generally corporate debt instruments that cannot be converted into equity, while the broader bond category can include government, PSU, financial institution, and corporate bonds.
Is there liquidity in NCDs?
Listed NCDs can be bought and sold in the secondary market. However, the ability to sell at a desired price depends on market demand, trading volumes, the issuer, interest-rate movements, and prevailing market conditions.
How is interest paid on Corporate FDs and NCDs?
Depending on the specific investment, payout options may include monthly, quarterly, half-yearly, annual, or cumulative payouts. Available options vary by issuer and offering.
Is TDS applicable on Corporate FDs?
TDS may apply to interest earned on Corporate FDs based on prevailing tax rules, applicable thresholds, and the investor’s tax status. Eligible investors may submit applicable declarations such as Form 15G or Form 15H where permitted.
What is the minimum investment amount?
The minimum investment varies by issuer and instrument. Corporate FDs may start from relatively small investment amounts, while NCDs and bonds generally have defined face values and minimum application requirements for each issue.
Is premature withdrawal possible?
Corporate FDs may permit premature withdrawal subject to the issuer’s terms, lock-in requirements, and applicable penalties. Listed NCDs may be sold in the secondary market before maturity, subject to availability of buyers and prevailing market prices.
Are Commercial Papers safe?
Commercial Papers carry issuer credit risk because they are unsecured corporate debt instruments. Credit ratings, issuer financial strength, tenure, and repayment capability should therefore be evaluated before investing.
Start Investing with Greater Clarity
Build a diversified fixed-income and retirement portfolio based on your goals, investment horizon, and income requirements.