MFeasy Wealth Advisory
Indicative Yield
Up to8.50%p.a.
Institutional Grade Verified Mandate
Min. Investment₹ 5 Lakhs
Tenure36 Months
🛡️ Sovereign & AAA Debt Mandates · ARN-307640
Disciplined Monthly Cash Flow Strategies for Predictable Living
Structure regular monthly income through Post Office MIS (POMIS), corporate monthly payout FDs, and dividend yield cash flow mandates, ensuring direct monthly credits to your bank account.
Monthly PayoutsDirect Credit to Bank Account
100% Capital SafetyBacked by Sovereign & AAA Corporates
Zero VolatilityInsulated from Stock Market Swings
Automated TrackingConsolidated Cash Flow Reporting
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
Execution Experience
Waiting in long queues at post offices or local bank branches with physical passbooks.
End-to-end digital onboarding with automated bank mandate configuration.
Instrument Universe
Restricted to single government scheme limit (₹9L individual / ₹15L joint).
Seamless blending of POMIS, AAA Corporate FDs, and G-Secs for unbounded capacity.
Yield Optimization
Standard rates with no optimization across tax brackets or maturity tenures.
Custom laddering maximizing blended monthly yield while preserving liquidity.
Consolidated Reporting
Physical paper passbooks requiring manual physical updating.
Live digital dashboard with automated monthly credit tracking and annual tax packs.
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 Monthly Income Schemes (MIS) Offerings
Explore verified offerings with indicative yields, institutional terms, and direct digital application portals.
India Post / Ministry of Finance
Indicative Yield
Up to7.40%p.a.
Institutional Grade Verified Mandate
Min. Investment₹ 1,000
Tenure60 Months
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 the maximum investment limit in Post Office MIS (POMIS)?
Under current Ministry of Finance guidelines, an individual can invest up to ₹9 Lakhs in a single POMIS account, while a joint account (up to 3 holders) allows up to ₹15 Lakhs.
How is the monthly interest paid out?
Interest is credited automatically on the monthly anniversary of your deposit date directly into your linked bank savings account via ECS/NACH.
Is interest earned from MIS schemes taxable?
Yes. Interest earned from POMIS and corporate monthly fixed deposits is treated as income from other sources and taxed at your applicable personal income tax slab rate. There is no Section 80C tax deduction for the principal invested in POMIS.
Can I reinvest my monthly interest into mutual funds?
Yes! This is known as a Cash Flow Multiplier strategy. The guaranteed monthly interest from your MIS can be routed automatically into a diversified equity mutual fund SIP, combining guaranteed safety with long-term wealth creation.
Regulatory Disclosure & Risk Notice: Monthly Income Schemes encompass sovereign small savings schemes and corporate fixed deposits. Small savings interest rates are notified quarterly by the Ministry of Finance, Government of India. KS Finoleg Services Pvt Ltd (MFeasy) provides multi-asset cash flow planning and execution facilitation.