Fixed Deposits

Fixed deposits (FDs) are a type of financial investment offered by banks and other financial institutions, where an individual can deposit a lump sum of money for a fixed period of time, typically ranging from a few months to a few years, and earn a fixed rate of interest on the deposit. One of the advantages of FDs is that they are considered to be a safe investment option, usually backed by government guarantees up to a certain amount. Although FDs provide the option of premature withdrawal, it may come with a penalty fee, and the interest rate earned may be lower than the original rate agreed upon.

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Capital Gains Bonds

At Sainandan Financial Services, we help you invest in 54EC Bonds to save on long-term capital gains tax. These government-backed bonds are available under Section 54EC of the Income Tax Act and are specifically meant for individuals who have sold land or property.

By investing in 54EC Bonds within six months of the property sale, you can claim exemption on capital gains up to ₹50 lakh. These bonds have a lock-in period of five years and offer fixed interest, making them a safe and tax-efficient investment option for preserving your wealth.

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Secured Bonds

At Sainandan Financial Services, we offer guidance on investing in secured bonds — fixed-income instruments backed by specific assets or collateral. These bonds provide greater safety compared to unsecured options, making them ideal for conservative investors seeking stable returns with lower risk.

Secured bonds offer fixed interest payouts over a defined period and are typically issued by companies with strong creditworthiness. With asset backing and steady income potential, they serve as a reliable component of a well-balanced portfolio.

Corporate Bonds

At Sainandan Financial Services, we help you explore corporate bonds as a way to earn fixed income by lending to reputable companies. These bonds are issued by businesses to raise capital and typically offer higher returns than traditional government securities.

Corporate bonds can vary in credit quality and tenure, so selecting the right bonds is essential. We guide you in assessing risk, understanding yields, and building a bond portfolio that matches your financial goals and investment horizon.

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