Bonds & Fixed Deposits
Bonds and Fixed Deposit products available on Wealthy — private bonds, state-guaranteed bonds, 54EC bonds, and commission rates.
Overview
Bonds and FDs serve an important role in client portfolios for risk management, capital preservation, short-term goals, and guaranteed income. They complement equity MFs and provide an additional revenue stream for partners.
Commission Rates
| Product |
Commission |
Type |
| Fixed Deposits |
1% to 1.7% |
Upfront (one-time) |
| Bonds |
0.6% to 1.5% |
Upfront (one-time) |
Available Bonds
Private Bonds
| Issuer |
Maturity |
Coupon |
| ESAF Small Finance Bank |
2031 |
11.30% |
| Aye Finance Private Ltd |
2027 |
10.25% |
| MAS Financial Services Ltd |
2029 |
10.75% |
| IIFL Samasta Finance |
2028 |
9.75% |
| Vivriti Capital |
2028 |
9.30% |
| Navi Finserv |
2028 |
10.75% |
State Guaranteed Bonds
| Issuer |
Maturity |
Coupon |
| Kerala Infrastructure Investment Fund Board |
2030 |
9.67% |
| Kerala Infrastructure Investment Fund Board |
2032 |
9.67% |
High Rated Bonds
| Issuer |
Maturity |
Coupon |
| Piramal Finance |
2031 |
6.75% |
| Hinduja Leyland Finance |
2030 |
9.25% |
54EC Bonds (Capital Gains Tax Saving)
When to Recommend Bonds & FDs
- Risk management — For conservative clients or conservative allocation
- Capital preservation — When protecting principal is priority
- Short-term goals — 1-3 year horizon
- Guaranteed income — Regular coupon payments
- Tax planning — 54EC bonds for capital gains tax exemption
Ideal approach: Recommend a mix of MFs and Bonds/FDs based on client goals and risk appetite. Both have a place in a well-diversified portfolio.