What is Fixed Income plan?

  • Fixed revenue is a class of assets and securities paying investors, usually in form of fixed interest or dividends, to a certain amount of cash flow.

  • Investors have reimbursed the principal sum they paid in addition to the interest they recited at the maturity of many fixed income securities.

  • We offer a range of Debt instruments backed by research, views, and product knowledge to meet our clients’ (Institutions – Financial Institute, Banks, corporate and Trust; Individuals – HNI, NRI, and Retails) investment objectives.

  • Typically, debt instruments are suited for individuals seeking low risk and regular cash flow with investments. Debt instruments also protect against the volatility of the portfolio.
  • GEPL deals in Government bonds, corporate bonds and debentures (NCDs), Bonds (Tax-free and taxable), Interest Rate Futures, and Corporate Fixed Deposits. Investors’ can purchase/ sell these through primary as well as secondary markets.
  • The most popular forms of fixed-income securities are government and corporate bonds.
  • Fixed revenue investors are sometimes compensated before common holders in the event of bankruptcy in a business.

Why Fixed Income?

  • Diversify portfolio risk by investing in debt instruments that protect the capital and offer you a steady rate of return.
  • Generate a steady income for the time period of the investment which can be from 6 months up to 10 years.
  • Reduce your tax expense by investing in tax free bonds.
  • Invest securely and keep your capital safe with fixed income instruments that are rated as per their safety level.
  • Save your earnings for a future goal while also having them liquid and accessible in case of an emergency.

Debt Market Secondary Quotes December 4, 2021


NOMENCLATURE & STATUS

COUPON RATE

RESET
COUPON

FACE
VALUE

I.P. DATE

MATURITY DATE

CALL OPTION

RATING

Yield (YTM)

YTC / YTP

CLEAN PRICE*

Accrued Interest/bond

QUANTUM

ISIN

TAXFREE BONDS

7.04% IRFC 2028

7.04

-

1,000

15th Oct Annual

23-03-2028

-

AAA

4.45%

-

128.756

9.53

Multiple of 10 lacs

INE053F07819

7.35% NHAI 2031

7.35

-

1,000

1st April Annual

11-01-2031

-

AAA

4.45%

-

121.2912

48.93

Multiple of 10 lacs

INE906B07EI0

TAXABLE BONDS (PRIVATE & STATE GUARANTEED)

9.75% UP Power corporation Ltd 2023 (STATE GUARANTEED)

9.75

-

10 Lacs

20th Jan/20th Apr/20th Jul/20th Oct

25% -20-04-23 25% -20-07-23, 25% -20-10-23, 25% -20-01-23

-

A+(SO) by CRISIL, IND Rating & AA-(SO) by BWR

8.35%

102.3071

11486.3

Multiple of 10 Lacs

INE540P07228

9.75% UP Power corporation Ltd 2026 (STATE GUARANTEED)

9.75

-

10 lacs

20th Jan/20th Apr/20th Jul/20th Oct

25% -20-01-25 25% -20-04-25 25% -20-07-25, 25% -20-10-25,

-

A+(SO) by CRISIL, IND Rating & AA-(SO) by BWR

8.65%

-

104.086

11486.3

Multiple of 10 Lacs

INE540P07244

7.15% PFC 2036 (Secured)

7.15

-

1000

22 Jan Annual

1/22/2036

AAA

6.87%

-

102.4162

61509.59

Multiple of 10 Lacs

INE134E07AT8

7.05% NHAI 2041 (Secured)

7.05

-

10 lacs

28 Sept Annual

9/28/2041

-

AAA

6.92%

-

101.2943

12554.79

Multiple of 10 lacs

INE906B07IZ5

6.92% Nabard 2036 (Unsecured)

6.97

-

10 lacs

29 Sep Annual

9/29/2036

-

AAA

6.85%

-

100.56

12133.7

Multiple of 10 lacs

INE261F08DJ9

10.25% Shriram transport finance company ltd 2024 (Unsecured)

10.25

-

10 Lacs

10th of every month

4/26/2024

-

AA+

8.45%

-

104.5795

1123.29

Multiple of 10 Lacs

INE721A08DC8

7.23% HDFC CREDILA FINANCIAL SERVICES LTD.2031 (SECURED)

7.23

-

10 Lacs

2 Aug Annual

8/1/2031

-

AAA

7.00%

-

101.49

24166.03

Multiple of 10 lacs

INE539K07189

PERPETUAL BONDS

7.72% SBI Perp

7.72

-

1 Cr

3 Sept Annual

-

3-9-2026 C

AA+

-

7.52%

100.7061

190356.16

Multiple of 1 cr

INE062A08280

9.20% Chola perp

9.2

-

5 Lacs

25 May Annual

-

25-05-2031 C

AA

-

8.60%

103.6544

48142.47

Multiple of 10 lacs

INE121A08ON5

9.15% Punjab National Bank perp

9.15

10 Lacs

13 Feb Annual

-

13-02-2025 C

AA-

-

7.65%

104.0491

72698.63

Multiple of 10 lacs

INE160A08076

8.70% Bank of Baroda Perp

8.70%

-

10 Lacs

28 Nov Annual

-

28-11-2024 C

AA+

-

7.10%

104.1576

953.42

Multiple of 10 lacs

INE028A08174

9.55% Tata motors finance perp

9.55%

-

10 Lacs

2 March Annual

-

2 March 2031 C

AA+

-

8.20%

108.4131

71952.02

10 Lacs only

INE601U08192

8.30% Canara Perp

8.30%

-

10 Lacs

29 Sept Annual

-

29-09-2025 C

AA

-

7.85%

101.3758

14553.42

Multiple of 10 lacs

INE476A08092

CAPITAL GAIN BONDS

5.00% REC Ltd

5

-

10,000

30 June Ann

5 Yrs from allotment

-

AAA

-

-

-

-

Min 10k, Max 50 Lac

-

5.00% NHAI

5

-

10,000

31 March Ann

5 Yrs from allotment

-

AAA

-

-

-

-

Min 10k, Max 50 Lac

-

5.00% PFC Ltd

5

-

10,000

31 July Ann

5 Yrs from allotment

-

AAA

-

-

-

-

Min 20k, Max 50 Lac

-

5.00% IRFC

5

-

10,000

31 Oct Ann

5 Yrs from allotment

-

AAA

-

-

-

-

Min 10k, Max 50 Lac

-

RBI SAVINGS TAXABLE BONDS

Non Cumulative

7.15%**

-

1000

1 Jan & 1 July

7 Years

-

AAA

-

-

-

-

Min 1k, Max No Limit

-

** Initially the Bonds will be issued at a rate of 7.15% (NSC rate + 0.35%.)

Disclaimer: The above quotes are indicative and subject to confirmation and availability of stock. Clean price and accrued interest calculated considering value date as 2nd Dec 2021

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    Why invest with us?

    GEPL offers a holistic service on Mutual Funds to help you grow your money smartly. GEPL Capital is a distributor of all fund houses and has also been awarded a leading contributor to the business from fund houses like Kotak, IDFC, BNP, Franklin, Reliance, SBI, TATA, UTI MF to name a few.

    Our certified professionals consider your risk profile, end use, and tenor to arrive at a customized goal based solution for investments. Investments can be made both online as well as offline.

      Fixed Income Plan

      Investment in Fixed income products like Corporate Deposits/Bonds, Government Bonds, Non convertible Debentures, Tax Free Bonds, Public Provident Funds ensure a fixed return or income. A Fixed Income investment balances risk involvement and protects the capital to the extent invested in debt instruments.

      Benefits of Fixed Income plans:-

      1. Ensure Regular ReturnAn investment in bonds; NCDs provide regular flow of income by the way of coupon which is being paid either monthly; quarterly; half yearly or annually as per the structure of the bond or NCDs. Also have a possibility of gaining Capital Gain if the interest rates falls as the bond prices are inversely related to the interest rates. If interest rate falls the price of the bonds move up and vice – versa.
      2. DiversificationA Fixed Income investment diversifies your portfolio thus lowering risk involved. It helps stabilize your total returns, protects your net worth, and creates a steady income stream for you.
      3. Tax BenefitLong term capital gains on debt has now increased to 3 years and this Some of the bonds involved are exempt from tax and is an effective way to save your taxes.
      4. Time periods Saving Instrumentfixed income instruments enable you to save for any future expense or goal that you have in mind at different time horizons as they have various matirutities.
      5. LiquidFixed Income is highly liquid and enables you to redeem in times of emergency.

        You have accepted the terms and conditions and allow GEPL Capital and its group companies to contact you via the contact information provided even if you are registered for DND facility.

        In case of allotment The interest on application money is the respective coupon rate (subject to deduction of tax at source, as applicable), will be paid to the eligible investors from the date of realisation of subscription or 3 days from the date of banking application money (duly acknowledge by the banker to the issue) whichever is later, money up to one date prior to the Deemed Date of Allotment. In the case of refund of application Money. Interest on refund amount on application money will be 4% p.a. date of realisation of subscription money up to one date prior to the rejection.

        No. Neither "Put Option" shall be available to the Bondholder(s), nor would "Call Option" be available to the Company to redeem the Bonds prior to maturity

        NO, Scanned copy of the form will not be acceptable.

        Yes. These bonds are listed on the F Group and Capital Market Segment at BSE Limited (BSE) and National Stock Exchange of India Limited (NSE) respectively.BSE shall be the designated Stock Exchange.

        There will be no deduction of tax at source from the interest on allotment of bonds.

        In the case of joint application, interest will be accounted to the first holder only, and will be credited to the bank account which is linked to the demat account.

        Notarized copy of POA must be attached with the original application and cheque.

        Cheque may be signed by the POA holder as long as the applicant`s bank clears the Cheque.

        No, not allowed NOTE: Only cheque from respective NRE/NRO account maintained with a RBI authorised dealer or a RBI authorised bank in India will be acceptable.

        Yes, Applications may be made in single or joint names (not exceeding three). In the case of joint Applications, all refunds/ interests/ redemption amounts will be made out in favour of the first Applicant. All communications will be addressed to the first named Applicant whose name appears in the Application Form at the address mentioned therein. Names in the Application Form should be identical to those appearing in the account details in the Depositories. In case of joint holders, the names should necessarily be in the same sequence as they appear in the account details in the Depositories.

        Application form in original cheque from respective bank account-NRE/NRO Notarized copy of POA if Application under POA.

        There is no separate form for NRIs, the form for residents and NRIs are same.

        No. NRI can not apply for physical mode.

        Yes. NRI’s can invest in bonds through- Repatriable as well as Non-Repatriable basis.

        Rs. 1,000/- per Bond. Minimum 50 Bonds, Minimum Investment Size-Rs. 50000 (in multiples of 1 bond)

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