Investment Products
Fixed-Income Products
Options where you generally earn interest on what you invest — for regular income and added stability in your portfolio.
Overview
Steady income, clearly understood.
Fixed-income investments pay you interest on the money you invest, usually at a pre-defined rate and for a set period. They can provide regular income and add stability to a portfolio that also holds equities.
“Fixed” refers to the payment terms — not to safety. Returns and the return of your capital depend on the issuer, interest rates and how long you stay invested. We help you match each option to your income needs, investment period and comfort with risk.
Three risks to understand
Credit risk
The issuer may delay or fail to pay interest or principal. Ratings help, but are not guarantees.
Interest-rate risk
When rates rise, the market price of existing bonds usually falls — this matters if you sell before maturity.
Liquidity risk
Some instruments trade thinly, so selling early may be slow or only possible at a discount.
Your Options
Five instruments, compared simply.
Each instrument balances income, safety and access to your money differently.
Non-Convertible Debentures (NCDs)
NCDs are investment instruments issued by companies to raise funds. They typically offer interest income over a fixed period. We help you understand available NCD options, potential returns, risks, and suitability based on your financial goals.
- Issued by
- Companies and NBFCs
- Typical tenure
- 1 to 10 years
- Key risk
- Issuer credit risk
Bonds
Bonds are investment instruments issued by governments or companies to raise funds. They may provide regular interest income over a specific period. We help you understand bond options, potential returns, risks, and suitability based on your financial goals.
- Issued by
- Government, PSUs and companies
- Typical tenure
- Short to very long term
- Key risk
- Interest-rate and credit risk
Corporate Fixed Deposits (FDs)
Corporate FDs are deposits offered by companies for a fixed period at a specified interest rate. We help you compare available options, understand potential returns and risks, and choose investments based on your financial goals.
- Issued by
- Companies and NBFCs
- Typical tenure
- 1 to 5 years
- Key risk
- Credit risk — not bank deposits
Money Market Funds
Money Market Funds invest in short-term debt instruments and aim to provide relatively stable returns with easy access to your money. We help you understand suitable fund options based on your financial goals, investment period, and risk appetite.
- Offered by
- Mutual funds
- Invests in
- Instruments maturing within 1 year
- Key risk
- Low, but returns not guaranteed
Treasury Bills (T-Bills)
Treasury Bills are short-term investment instruments issued by the Government of India. They are sold at a discount and repaid at face value on maturity, allowing investors to earn a return. We help you understand available options, maturity periods, and suitability based on your financial needs.
- Issued by
- Government of India
- Tenure
- 91, 182 or 364 days
- Key risk
- Price risk if sold before maturity
Building an income ladder?
We can help you combine instruments with different maturities so income keeps arriving as each one matures.
How Brihanta Helps
Clarity at every step of the decision.
01
Investment Guidance
Help you understand different fixed income options.
02
Income Planning
Explore options for regular interest income.
03
Risk Assessment
Explain credit risk, interest rate risk, and liquidity risk.
04
Investment Period
Help you compare options based on how long you want to invest.
05
Portfolio Diversification
Explore fixed income investments to balance your overall portfolio.
FAQ
Questions investors often ask.
Can’t find your answer here? Our team will walk you through it.
01Are fixed-income returns guaranteed?
Not always. The interest rate is usually fixed, but payment depends on the issuer’s ability to pay. Government securities carry the lowest credit risk; corporate NCDs, bonds and FDs carry more, which is why they typically pay higher rates.
02What do credit ratings tell me?
Ratings such as AAA or AA are an agency’s opinion of how likely the issuer is to pay on time. Higher ratings usually mean lower risk and lower interest. Ratings can change during the life of an investment.
03Can I sell before maturity?
Listed NCDs, bonds and T-Bills can be sold on the market, but the price may be lower than what you paid, especially if interest rates have risen. Corporate FDs may allow premature withdrawal with a penalty.
04How is the interest taxed?
Interest is generally added to your income and taxed at your slab rate. Gains on selling listed instruments may be taxed as capital gains. Please consult your tax advisor for your situation.
Returns, payment terms, and capital protection vary by product. Corporate bonds and NCDs can carry credit risk, and returns are not always guaranteed.