Love Fixed Income Investment?

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.

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.

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.

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.

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.

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.

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.

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.