Fixed deposits with banks is the largest allocation of an average Indian's saving.

Post tax fixed deposits yield 3 - 4% in comparison to average inflation being 6%. This implies a 10% decline in purchasing power every three years. This wealth destruction pains us & thus we forayed into this domain.

Bonds are a tax efficient way to generate 2-5% superlative returns over bank Fixed Deposits. This is ideal for the conservative investor who wishes a steady annuity income & is looking to maximize his interest income without taking extra risk. Bonds offer higher yield & are more tax efficient when compared to fixed deposits. We curate & recommend bonds in a manner that credit risk is eliminated & is just a theoretical reality.