Sovereign / PSU
Power Finance Corporation Ltd
Indicative Yield
Up to5.00%p.a.
Exchange Traded Regular Payout
Min. Investment₹ 10,000
Tenure36M - 84M
🛡️ Sovereign & AAA Debt Mandates · ARN-307640
Sovereign G-Secs, PSU & Corporate Bonds for Predictable Yield
Build a resilient fixed-income core with sovereign-backed Government of India Securities (G-Secs), State Development Loans (SDLs), and AAA-rated PSU Capital Bonds with periodic coupon payments.
Sovereign & AAAZero Credit Default Risk
Fixed Coupon YieldSemiannual & Annual Cashflows
Exchange ListedLiquid Secondary Market Trading
Demat CustodyHeld in NSDL / CDSL Depository
Yield Spectrum
The Institutional Maturity Ladder
Lock compounding yields across AAA & Sovereign tenures. Longer tenures insulate your cash flow against incoming central bank rate cuts.
12 to 18 Months
7.85% p.a.
Short-Term Corporate Term Deposits
Flexible monthly or cumulative liquidity backed by top-tier NBFCs and conglomerates.
24 to 36 Months
8.35% p.a.
Medium-Term Income Planning Sweet Spot
Rated AA+/AAA with senior citizen bonus up to +0.50% p.a. and monthly ECS credits.
48 to 60 Months
8.65% p.a.
Peak Contractual Compounding Deposits
Lock in highest compounding returns before anticipated central bank monetary easing.
10+ Years (G-Sec)
Sovereign
Direct Government of India G-Secs
Zero credit default risk backed by sovereign decree with semi-annual coupon guarantees.
Credit Architecture
4-Tier Capital Ring-Fencing Architecture
Every corporate deposit and bond passes four statutory firewalls before appearing on our private wealth desk.
Tier 1: Sovereign Decree
Direct RBI Sovereign Backing
Government of India bonds, Treasury Bills, and Sovereign Gold Bonds maintain 0% default risk by sovereign decree.
Tier 2: Senior Secured Debt
First Charge on Tangible Assets
Our corporate bonds and NCDs maintain a minimum 1.25x asset cover ratio backed by registered debenture trustees.
Tier 3: Statutory Reserve
CRISIL & ICRA AAA Monitoring
Rigorous quarterly financial auditing, capital adequacy compliance (>15%), and zero NPA underwriting history.
Tier 4: Escrow Protection
Segregated Cash Flow Accounts
Coupon payments and maturity redemptions are pre-funded into monitored escrow accounts prior to company distributions.
Comparative Performance
Bank Branch FDs vs Curated Institutional Debt
Understand why high-net-worth investors allocate beyond traditional retail bank branches to capture an additional 150 to 250 bps net yield.
Evaluation Metric
Standard Bank Branch FD
MFeasy Curated Fixed Income
Bond Inventory
Limited retail access; institutional lots reserved for large funds.
Direct retail access to RBI Floating Rate, 54EC, State Development, and Corporate bonds.
Price Transparency
Hidden broker markups and wide bid-ask spreads.
Clear live exchange pricing with transparent yield-to-maturity (YTM) disclosures.
Custody & Settlement
Complicated physical certificates or separate SGL accounts.
Seamless direct credit into your existing NSDL or CDSL Demat account.
Advisory Expertise
General product push with no duration-risk analysis.
Dedicated fixed-income specialists optimizing portfolio duration against RBI policy cycles.
Lock Today's Sovereign Rates Before Rate Cut Cycles
Our treasury desk secures priority corporate quotas for retail and family office accounts.
Curated Fixed Income
Live Government & Corporate Bonds Offerings
Explore verified offerings with indicative yields, institutional terms, and direct digital application portals.
State Backed
Andhra Pradesh State Beverages Corp Ltd
Indicative Yield
Up to9%p.a.
AA(CE) Rated Regular Payout
Min. Investment₹ 1 Lakh
Tenure36M - 84M
Sovereign / PSU
Navi Finserv Ltd
Indicative Yield
Up to11%p.a.
Exchange Traded Regular Payout
Min. Investment₹ 1 Lakh
Tenure36M - 84M
Sovereign / PSU
Muthoot Microfin Ltd
Indicative Yield
Up to10.5%p.a.
Exchange Traded Regular Payout
Min. Investment₹ 1 Lakh
Tenure36M - 84M
Sovereign / PSU
Reserve Bank of India
Indicative Yield
Up to8.05%p.a.
Sovereign Bond Regular Payout
Min. Investment₹ 1,000
Tenure36M - 84M
State Backed
Kerala Infrastructure Investment Fund Board
Indicative Yield
Up to9.30%p.a.
State Guaranteed Regular Payout
Min. Investment₹ 1 Lakh
Tenure36M - 84M
Sovereign / PSU
Indian Renewable Energy Development Agency
Indicative Yield
Up to5.1%p.a.
Exchange Traded Regular Payout
Min. Investment₹ 50,000
Tenure36M - 84M
State Backed
TSIIC Ltd
Indicative Yield
Up to8.80%p.a.
AA(CE) Rated Regular Payout
Min. Investment₹ 1 Lakh
Tenure36M - 84M
Planning Worksheets
Cash Flow & Yield Compounding Calculators
Run exact post-tax figures across 20 institutional planning modules before allocating.
Cash Flow Engine⚡ Cash Flow Model
Corporate FD & MIS Cash Flow Calculator
Simulate monthly, quarterly, or cumulative maturity cash flows across AAA corporate and bank deposit tenures.
Bond Analytics📈 Secondary Analytics
Yield to Maturity (YTM) & Pricing Engine
Calculate clean price, dirty price, accrued coupon, and annualized post-tax yield to maturity on secondary bonds.
Tax Exemption📋 Statutory Forms
Form 15G / 15H TDS Exemption Vault
Download official forms and procedural guidelines to eliminate TDS deductions on eligible deposit interest.
Clarity & Governance
Frequently Asked Questions
Clear, straightforward answers regarding process, safety, tax treatment, and liquidity.
What is Yield to Maturity (YTM)?
Yield to Maturity is the total annualized rate of return anticipated on a bond if held until it matures. It accounts for all coupon payments, reinvestment assumptions, and any difference between the purchase price and the face value.
How are bond coupon payments taxed?
Interest received from corporate and government bonds is generally taxable at your applicable personal income tax slab rate. However, certain specified bonds (like NHAI/REC tax-free bonds) offer completely tax-exempt interest under Section 10(15)(iv)(h).
Can I sell my bonds before maturity?
Yes. Listed bonds can be sold on the secondary market of the NSE or BSE through your Demat account, subject to prevailing market liquidity and interest rate movements.
What is the minimum investment required for bonds?
Minimum ticket sizes vary by bond type. RBI Floating Rate Bonds start at just ₹1,000, 54EC capital gains bonds start at ₹10,000 (1 bond), while institutional corporate bonds typically require ₹1 Lakh to ₹10 Lakhs.
Regulatory Disclosure & Risk Notice: Bonds are fixed-income debt securities subject to interest rate risk and issuer credit risk. Bond prices in the secondary market fluctuate inversely with market interest rates. KS Finoleg Services Pvt Ltd (MFeasy) facilitates bond transactions via authorized depository participants and exchange brokers. Past performance is not indicative of future returns.