The Prudence of Fixed Income Investing
Discover why bonds and debt instruments form an indispensable cornerstone of a resilient and well-diversified investment portfolio.
Capital Preservation & Stability
Fixed income instruments offer a dependable avenue for capital preservation, imparting crucial stability to your investment strategy, especially amidst market volatility.
Predictable Income Streams
Benefit from regular, predetermined interest payments (coupons), providing a consistent and foreseeable income flow to meet your financial objectives.
Strategic Portfolio Diversification
Bonds and debt funds typically exhibit lower correlation with equities, effectively mitigating overall portfolio risk and enhancing diversification.
Our Spectrum of Fixed Income Solutions
GarudVista grants access to an expansive array of meticulously selected, high-caliber INR-denominated bonds and debt mutual funds, tailored for the sophisticated NRI investor.
Curated Investment Avenues:
- Direct Bonds: Primary & Secondary Market access to a diverse range of corporate and government securities.
- Debt Mutual Funds: Professionally managed portfolios offering diversification across various debt instruments.
- Fixed Deposit Alternatives: Explore instruments with potentially superior risk-adjusted returns compared to traditional FDs.
- Government Securities (G-Secs): Sovereign-backed bonds issued by the Indian government, ensuring utmost security.
- Corporate Bonds (NCDs): Debt instruments issued by Indian corporations, offering varied risk-return profiles.
- AAA-Rated & High-Quality Bonds: Access to instruments with the highest credit ratings, minimizing default risk.
- Regular Income Bonds: Options with periodic interest payouts (monthly, quarterly, semi-annually, annually).
- Tax-Free Bonds (Subject to Availability): Explore bonds offering tax-exempt interest income as per prevailing regulations.
The GarudVista Advantage in Fixed Income
Experience a superior investment journey with our specialized expertise and client-centric approach.
Curated High-Grade Bonds
Access a meticulously vetted selection of AAA-rated and other high-quality bonds in the Indian market.
Expert Advisory & Execution
Benefit from personalized guidance and seamless transaction execution from our seasoned fixed income specialists.
Secure & Transparent Platform
Invest with absolute confidence through our regulated, technologically advanced, and user-centric platform.
Dedicated NRI Client Servicing
Our specialized team provides timely, insightful, and comprehensive support tailored for overseas investors.
Explore Curated Debt Mutual Funds
Diversify your fixed income allocation with our selection of leading Debt and Liquid/Overnight Mutual Funds, chosen for their consistent performance and risk management.
Mutual Fund Performance Insights
Select a fund from the cards above to visualize its NAV performance trajectory over various time horizons.
*Note: The NAV data displayed is simulated for illustrative purposes and does not represent actual historical market performance. Past performance is not indicative of future results.
Illustrate Your Potential Fixed Income Returns
Utilize our intuitive calculator to estimate interest accruals and maturity values for your prospective bond investments.
Investment Parameters:
*SIP return calculation for bonds is complex and varies significantly. This calculator currently focuses on lumpsum bond projections. For SIP in debt funds, please refer to fund-specific illustrations.
Investment Growth Projection (Lumpsum)
Cumulative Interest Earned
Total Value (Principal + Interest)
Client Acclaim: Voices of Trust
Hear from discerning investors who have experienced the GarudVista difference in their fixed income journey.
"GarudVista's expertise in navigating the Indian bond market for NRIs is unparalleled. Their personalized approach and transparent processes made my investment journey remarkably smooth."
Tech Entrepreneur, Singapore
"The consistent monthly interest from the bonds sourced by GarudVista has provided a stable and reliable addition to my income. Highly recommended for NRIs seeking dependable returns."
Medical Professional, UK
"I was looking for secure, INR-denominated investments. GarudVista's selection of AAA-rated bonds and their dedicated NRI support exceeded my expectations."
Consultant, UAE
"The clarity and professionalism of the GarudVista team in explaining debt fund options were impressive. They helped me diversify my portfolio effectively."
Researcher, Germany
Clarifying Your Queries
Common questions regarding fixed income investments for NRIs, answered with precision.
What defines a "bond" in the context of investment?
A bond is a fixed-income instrument representing a loan made by an investor to a borrower, typically corporate or governmental. The issuer is obligated to pay periodic interest (coupon) and repay the principal amount at a predetermined maturity date.
What are the primary advantages of investing in bonds or debt funds?
Key advantages include capital preservation, generation of a predictable income stream, portfolio diversification (as they often have low correlation with equities), and generally lower volatility compared to stocks.
What does an "AAA-rating" signify for a bond?
An AAA-rating is the highest credit rating assigned by rating agencies, indicating an exceptionally strong capacity of the issuer to meet its financial commitments. These bonds are considered to have the lowest credit risk.
How is interest from Indian bonds/debt funds taxed for NRIs?
Interest income and capital gains from Indian bonds/debt funds are generally taxable in India for NRIs, subject to TDS (Tax Deducted at Source) provisions. The applicability of Double Taxation Avoidance Agreements (DTAA) between India and the NRI's country of residence should also be considered. Professional tax advice is recommended.
Can NRIs invest in all types of Indian bonds and debt funds?
NRIs can invest in a wide range of Indian bonds and debt mutual funds, subject to FEMA (Foreign Exchange Management Act) regulations and RBI guidelines. Certain restrictions may apply to specific categories or routes of investment. GarudVista ensures all offerings are compliant for NRI investment.
Begin Your Fixed Income Journey
Connect with GarudVista's specialists today for a confidential consultation and explore bespoke bond and debt fund investment opportunities tailored to your financial aspirations.