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Bonding with Bonds: Corporate, Government, PSU, Tax-Free, NCD, RBI Floating, and 54EC Bonds

Expand your investment portfolio with a variety of bonds that provide reliable returns, government backing, and potential tax advantages.
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Simplified Explanations

What Is a Bond?

A bond is a fixed-income instrument and investment product where individuals lend money to a government or company at a certain interest rate for an amount of time. The entity repays individuals with interest in addition to the original face value of the bond.

Bonds are used by companies, municipalities, states, and sovereign governments to finance projects and operations. Owners of bonds are debtholders, or creditors, of the issuer. Bond details include the end date when the principal of the loan is due to be paid to the bond owner and usually include the terms for variable or fixed interest payments made by the borrower.

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Key Takeaways:

  • A bond is referred to as a fixed-income instrument since bonds traditionally pay a fixed interest rate or coupon to debtholders.

  • Bond prices are inversely correlated with interest rates: when rates go up, bond prices fall, and vice-versa.

  • Bonds have maturity dates at which point the principal amount must be paid back in full or risk default.

Bonds Available in the Market

Category Description Coupon Rate Yield Quantum
54EC BOND PFC (Power Finance Corporation Ltd) Series IV. Tenure 5year. Mode of Interest: Annual and maximus benefit under this section 50lakhs. TEST 5.00% p.a Approx. 5.00% p.a RS.20,000
RBI FLOATING RATE SAVINGS BOND BOND RATE MAY UPDATE HALF-YEARLY 1ST JAN & 1ST JULY EVERY YEAR WITH +0.35% P.A. SPREAD ABOVE NSC. # Minimum investment of Rs.1,000, # No maximum limit on investment # 7 years tenure of the bond from the date of issue with a special provision for premature redemption for Senior Citizens. # Floating rate of interest with a Half Yearly interest payout 8.05%P.A 8.05%P.A. RS.1000
PRIVATE BONDS (HIGH YIELDING) HINDUJA LEYLAND FINANCE LIMITED 2029 (SUB-DEBT, TIER-2); Maturity: 29-NOV-2029; Interest: 29TH MAY; Rating: AA BY CRISIL & CARE; ISIN: INE146O08266. 9.50%pa Approx. 9.50%p.a Multiples of 10.00 Lakh
STATE GUARANTEED BONDS KERALA INFRASTRUCTURE INVESTMENT FUND BOARD 2030-2034 (UNSECURED). MATURITY: 22-MAR-2029-34; 25%; 22-JUN-2029-34: 25%; 22-SEP-2029-34: 25%; 22-DEC-2029-34: 25%. Rating: AA (CE) BY IND RATINGS & ACUITE. ISIN: INE658F08243. 9.49%pa Approx. 9.49%pa 5 LAKHS & MULTIPLES OF 5 LAKHS
TAX Free Bond NHAI TAX FREE 2031; Maturity: 11-JAN-2031; Interest: 01ST APR; Rating: AAA; Face value: 1000; ISIN No: INE906B07EI0; 7.35%pa Approx 5%pa MULTIPLES OF 10.00 LACS (UPTO 20.00 LACS)
PRIVATE BONDS (HIGH YIELDING) MUTHOOT CAPITAL SERVICES LIMITED 2026 (SECURED); Maturity: 28-DEC-2026 (PUT : 28-DEC-2025); Interest: 28TH OF EVERY MONTH; Rating: A+ BY CRISIL; ISIN: INE296G07135. 10.00%p.a Approx. 10.15%pa Multiples of 5 Lakh
PRIVATE BONDS (HIGH YIELDING) ESAF SMALL FINANCE BANK LIMITED 2031 (SUB-DEBT, TIER-2); Maturity: 20-APR-2031; Interest: 20TH MAR/20TH SEP; Rating: A BY CARE; ISIN: INE818W08115. 11.00%pa Approx. 11%pa Multiples of 3 Lakh
STATE GUARANTEED BONDS TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LTD (2027-32), INTEREST PAYMENT: 31ST MARCH / 30TH JUN / 30TH SEPT / 31ST DEC; AA(CE) BY IND RATING, ISIN: INE1C3207032 9.35%pa Approx. 8.85%pa Multiples of 10 Lakhs only
Simplified Explanations

How Bonds Work:

Bonds are debt instruments and represent loans made to the issuer. Bonds allow individual investors to assume the role of the lender. Governments and corporations commonly use bonds to borrow money to fund roads, schools, dams, or other infrastructure. Corporations often borrow to grow their business, buy property and equipment, undertake profitable projects, for research and development, or to hire employees.

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Bonds are fixed-income securities and are one of the main asset classes for individual investors, along with equities and cash equivalents. The borrower issues a bond that includes the terms of the loan, interest payments that will be made, and the maturity date the bond principal must be paid back. The interest payment is part of the return that bondholders earn for loaning their funds to the issuer. The interest rate that determines the payment is called the coupon rate.

Why Choose Bonds for Investment?


Steady Income:
Earn consistent interest payouts, ensuring a dependable income source.
Safety and Stability:
Bonds offer lower volatility compared to stocks, providing a secure investment option.
Tax Savings:
54EC Bonds provide valuable tax benefits after property sales.
Portfolio Diversification:
Adding bonds to your portfolio reduces risk and enhances stability.

Investing for Success:

Why Invest in Bonds with KS Finoleg?


Personalized Expertise:

Our seasoned advisors guide you in selecting bonds that align with your financial objectives and risk tolerance.

Effortless Experience:

Invest in bonds smoothly with our user-friendly online platform, designed for ease and convenience.

Clear and Honest Pricing:

We ensure complete transparency with detailed insights on bond prices, yields, and any related fees.

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