Government securities, corporate bonds and 54EC capital-gain bonds — fixed-income with predictable cash flow.
Government bonds (T-Bills, dated securities) are sovereign-backed — the absolute safest rupee asset class. Returns track repo rate.
Sold a property and have LTCG? Park up to ₹50 L in 54EC (REC/PFC/NHAI) within 6 months and the LTCG tax disappears.
AAA-rated corporate bonds yield 1-2% above G-Sec. We help you ladder maturities so liquidity + yield both work.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Interest is taxed as income at slab rate. STCG (< 12 months) at slab rate; LTCG (> 12 months on listed bonds) at 12.5% w/o indexation.
G-Sec via RBI Retail Direct: ₹10,000 minimum. Corporate bonds: typically ₹10,000 - ₹1 L per bond on exchange-traded routes.
Listed corporate bonds and G-Secs trade on NSE/BSE — yes, but at prevailing market price (which can be above or below face value).
No — DICGC covers bank deposits only. Bond safety depends on the issuer rating (AAA / AA / A / BBB).
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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