Capital Protection

Stability and steady returns for your portfolio.

Fixed income is the foundation of a balanced portfolio. We assist you in managing FDs, bonds, and debt funds to protect your capital while providing steady, dependable returns.

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Why choose Earthen Capital for Fixed Income?

Safety First

We only recommend instruments that have passed our internal safety checklist — no chasing yield at the cost of capital safety.

Client-First Advisory & Professional Support

Our recommendations are driven entirely by your financial goals, investment timeline and risk profile. From onboarding to maturity, our team is available to help you reinvest, switch, or rebalance as your goals evolve.

Stable Returns

Investments focus on keeping capital safe and generating steady income. They prioritize safety instead of seeking high-risk growth.

Why invest in Fixed Income?

Equities provide growth, but fixed income provides the necessary anchor during market volatility.

Capital Preservation

Protect your hard-earned wealth from market downturns with instruments designed to return your principal securely.

Regular Cash Flow

Generate predictable, regular income to meet your monthly expenses or to reinvest for compounding growth.

Portfolio Stability

Reduce the overall risk of your portfolio by balancing high-volatility assets with stable, predictable returns.

Our Fixed Income Solutions

Corporate & Bank Fixed Deposits

Carefully vetted, highly rated corporate FDs and banking instruments that offer a premium over traditional savings rates without compromising on safety.

  • AAA & AA rated instruments
  • Flexible tenures matching your goals

Government & RBI Bonds

The ultimate safety net. We guide you through investing in sovereign-backed securities, including RBI Floating Rate Bonds and State Development Loans (SDLs).

  • Zero default risk
  • Tax-efficient options available

Debt Mutual Funds

Professional management of your fixed-income allocation. We select the right categories—from liquid funds for short-term parking to target maturity funds for predictable long-term yields.

  • High liquidity
  • Indexation benefits for long-term holding

Custom Solutions for HNIs & NRIs

Professional management of your fixed-income allocation. We select the right categories—from liquid funds for short-term parking to target maturity funds for predictable long-term yields.

  • FEMA-compliant investment structures
  • Portfolio-level tax optimisation
  • NRE & NRO fixed deposit guidance

Frequently asked questions

Everything you need to know about fixed income investing.

What is the minimum investment amount?
Minimums vary by instrument. Bank FDs can start as low as ₹10,000, while corporate bonds and NCDs typically require ₹1,00,000 or more. For HNI structured products, minimums are usually ₹25 lakhs and above. We'll discuss the right entry point based on your portfolio size.
How safe are corporate bonds and NCDs?
Safety depends on the issuer's credit rating and financial health. We exclusively recommend instruments rated AA or above by CRISIL, ICRA, or CARE. We also conduct our own independent review of the issuer's balance sheet and repayment track record before recommending any instrument to clients.
Are fixed income returns taxable in India?
Yes, interest income from FDs and bonds is taxable as per your income tax slab. However, certain instruments like tax-free bonds (issued by government entities) offer tax-exempt interest. Debt mutual funds held for more than 3 years previously benefited from indexation, though rules have changed post-2023. We help you structure your portfolio to be as tax-efficient as possible.
What are tax-free bonds?
Tax-free bonds are debt instruments issued by government-backed entities such as NHAI, REC, PFC, and IRFC. The interest earned on these bonds is completely exempt from income tax under Section 10(15)(iv)(h) of the Income Tax Act, you receive the full interest payout without any TDS deduction or tax liability, regardless of your income slab.
What is the impact of interest rates on fixed income investments?
Interest rates and bond prices move in opposite directions. As interest rates increase, the value of current bonds generally declines. A 10-year bond is much more sensitive to rate changes than a 1-year bond. At Earthen Capital, we consider the interest rate outlook when recommending tenures. This helps you lock in favorable rates at the right time and avoid unnecessary duration risk.
Can NRIs invest in Indian fixed income products?
Yes. NRIs can invest through NRE or NRO accounts. NRE FDs offer tax-free interest in India and are fully repatriable, making them attractive for NRIs earning in foreign currency. NRO accounts are suitable for income earned in India. We guide you through the regulatory requirements and the best structures based on your country of residence.
What happens when a bond or FD matures?
At maturity, your principal and any accrued interest is credited to your registered bank account. Our team proactively reaches out before maturity to discuss reinvestment options so your money is never sitting idle. We track all maturity dates on your behalf.
How do I get started with Earthen Capital?
Simply reach out via our contact form or call us directly. We start with a brief discovery call to understand your financial goals, risk appetite, and investment horizon. From there we prepare a personalised fixed income plan and walk you through the options before you commit to anything.

Ready to anchor your portfolio?

Let us help you design a fixed-income strategy that aligns perfectly with your risk tolerance and liquidity needs.

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