FIXED INCOME


Raj Pradhan Raj Pradhan 04 February 2014
DWS Inflation Indexed Bond is a mutual fund option of WPI-linked bonds instead of directly buying RBI’s CPI bonds. But understand the differences before you jump in. Deutsche Asset Management India has just launched DWS Inflation Indexed Bond (IIB) scheme—an option for those interested...

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Raj Pradhan Raj Pradhan 04 February 2014
Tax-free bond issues are getting oversubscribed fast. Raj Pradhan explains how the system works and what to do A few weeks back, Moneylife received an email regarding an application of National Housing Bank’s (NHB) tax-free bonds. This is how it read: “SBI Caps Limited, Belapur, was one...

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Moneylife Digital Team 30 December 2013
RBI’s inflation indexed bonds will be available till 31st March. The earlier deadline was 31st December. Is the extension due to poor response? The Reserve Bank of India (RBI) has extended the deadline for its Inflation Indexed National Savings Securities-Cumulative (IINSS-C) securities...

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Raj Pradhan Raj Pradhan 26 December 2013
RBI launched inflation indexed bonds will be available till 31st December. The good news is that the rate will be linked to CPI instead of WPI - the less accurate gauge of inflation. The bad news is that early redemption, even after the lock-in period is over, will entail hefty penalty....

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Raj Pradhan Raj Pradhan 13 December 2013
Inflation Indexed Bonds are a welcome option for a long-term conservative saver. Find out how the taxation works before you plunge into the product. The returns will vary based on your tax bracket. It will work well as a retirement savings tool for those in the lower tax bracket

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Raj Pradhan Raj Pradhan 12 December 2013
Inflation Indexed Bonds is a welcome option for long-term conservative saver. Find out how the early redemption penalty compares with premature withdrawal penalty of bank FDs. Should you dump bank FD and go for these bonds? Can you use it for retirement planning?   Inflation Indexed...

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Raj Pradhan Raj Pradhan 18 October 2013
Bond offers are coming thick and fast. Should you go for higher-rate taxable bonds or settle for lower-rate tax-free bonds? Currently, there are corporate bonds and tax-free bonds available in the market, apart from the good old bank fixed deposits. Savers have plenty of choice. Which...

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Moneylife Digital Team 24 September 2013
Damyanti Vithalani, a Moneylife reader got her money back from Yash Birla group companies by filing a complaint to MCA portal. Those who invested in the corporate FDs of Zenith Birla (India) and Birla Power Solutions can follow her tactic to get their money back   Moneylife has received...

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Debashis Basu Debashis Basu  and   Raj Pradhan Raj Pradhan 20 September 2013
There may be a window of opportunity today to lock in your fixed-income investments at good rates. Moneylife look at different options—from bank fixed deposits to fixed maturity plans of mutual funds to corporate bonds and debentures On Saturday nights, one may have many things to do or...

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Jayant Thakur 19 September 2013
What does the new Companies Act mean for corporate deposits? Will they become safer? Corporate deposits have been unsafe investments principally because they are not secured against the assets of the company. Average savers have lost crores of rupees, lured by a higher rate of interest...

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Moneylife Digital Team 06 August 2013
EPFO disagrees with finance ministry's proposal to encourage its subscribers to shift to NPS and claims its own EPS provide better returns than the new pension system Rebutting the claims of finance ministry over the new pension system (NPS), retirement fund body Employees' Provident...

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Corporate fixed deposits offer higher returns—at a higher risk. But you can still go for them, if you are careful. A12.5% annual interest over three years on a fixed deposit (FD) scheme at a time when your bank FD gives only 9.25%, would seem like an offer that must be grabbed. The offer...

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Some banks short-change you by deducting TDS quarterly and investing less Bank fixed deposits are among the safest forms of investment. But you may not know that if you put, say, Rs1 lakh at an interest rate of 8.5% in HDFC Bank and someone puts Rs1 lakh at 8.5% in Canara Bank, you will...

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Moneylife Digital Team 27 June 2013
In today's Asia Chart Alert, Nomura expressed serious concern for India's rising short-term debt, even with a fully funded current account deficit, as it has increased India's external vulnerability Short-term debt and long-term debt due in the next one year are on the rise. As per the...

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Moneylife Digital Team 24 June 2013
One of reason for proposing to keep the rate of interest unchanged for this fiscal is slight drop in government securities yield, according to government sources   Retirement fund body Employees Provident Fund Organisation (EPFO) is likely to pay an interest rate of 8.5% on provident...

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That is what this “investment opportunity” from India Infoline offers. This dubious fixed income proposal is for those who have nerves of steel and money to burn One of our readers sent me an interesting investment proposal, which he received from India Infoline. It involves placing...

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As the economy weakens, so does the ability of companies, consumers and countries to pay back what they have borrowed. It is not just the fear of rising interest rates that can prick a bubble. What can bring an end to the bull market is simpler: the fear of losing money Investors in the...

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IIBs for the retail investors will come a few months later. But they may not turn out to be great options The first tranche of inflation-indexed bonds (IIBs) will be issued on 4 June 2013, the finance ministry and the Reserve Bank of India (RBI) announced recently. The government plans...

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Inflation indexed bond is not a plain vanilla financial instrument. The real working of these bonds will be out only post 4 June 2013.  Investors need to understand these bonds thoroughly before taking a call of investments No financial instrument has made the news in India in recent...

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Moneylife Digital Team 21 May 2013
The inflation index bonds will not enjoy any special tax benefits and all the taxes which will be applicable will be at par with any other government security. They will also be considered in the statutory liquidity ratio requirements of banks, the central bank said The Reserve Bank of...

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