Fixed Income Investment Opportunities | Secure & Stable Returns

BONDS

FIXED INCOME SOULTIONS

About Fixed Income

A bond is a debt security. Borrowers issue bonds to invite funds from investors willing to lend them money for a fixed period.

Institutions like Government, Municipality, Corporates, etc. borrow money from bond buyers. In return, they pay you a fixed rate of interest on the principal. At maturity of the bond, you get both, the interest and the principal amount or face value of the bond, back.

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BENEFITS OF BONDS

Bonds provide a regular fixed income, usually scheduled monthly/quarterly/yearly.

If your motive is to preserve your capital while adding value to it, bonds are your solution. At the time of maturity of bonds, you get both, the capital as well as the interest earned on the same.

Bonds can help to manage exposure to more volatile stock holdings.

TYPES OF BONDS

Govt/PSU/Corporate bonds, are debt securities issued by private and public corporates and governments.

Credit Risk, These bonds have a higher credit rating, implying less credit risk, than high-yield corporate bonds.

High-yield, These bonds have a lower credit rating, implying higher credit risk, than AAA Rated bonds and, therefore, offer higher interest rates in return for the higher risk.

Municipal bonds, are debt securities issued by states, cities, counties and other government entities.

Diversification from stock market risk. Fixed income is broadly understood to carry lower risk than stocks

Fixed income is broadly understood to carry minimum risk than shares. This is because of fixed income assets are generally less sensitive to macro risks, such as economic turmoil and geopolitical situations.

While higher risk may lead to higher gain, many investors prefer to go the secured path, even if it means less bond interest.

F.V |

8.25% Bank of Baroda Perpetual

T. Yield - 7.4%

CRISIL AA

BOND DETAILS

 Issuer: Bank of Baroda

 ISIN: INE028A08216

 Face Value: ₹10,00,000

 Coupon Rate: 8.25% per annum

 Coupon Payment Frequency: Annually, on July 17

 Issue Date: July 17, 2020

 Maturity Date: Perpetual (no fixed maturity date)

 Call Option Date: July 17, 2025

 Bond Type: Perpetual, Additional Tier 1 (AT1)

 Security: Unsecured

 Seniority in Repayment: Additional Tier 1

 Credit Rating: AA+ by CRISIL (as of July 13, 2020)

 Listing Status: Listed on BSE and NSE (since July 22, 2020)

 Taxation: Taxable

 Minimum Investment: ₹10,00,000

 Accrued Interest Calculation: Accrued interest is calculated from the last coupon payment date to the settlement date.

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F.V |

9.50% Union Bank Perpetual

T. Yield - 7.4%

CRISIL AA

BOND DETAILS

The National Stock Exchange of India (NSE) is a pivotal institution in the country’s financial landscape. Established in 1992, it has grown to become India’s leading stock exchange. As of December 31, 2024, the NSE’s listed companies had a combined market capitalization of approximately $5.13 trillion, reflecting a 21.5% increase from the previous year.

In 2024, the NSE facilitated 268 initial public offerings (IPOs), enabling companies to raise around ₹1.67 lakh crore (US$19.5 billion). This achievement positioned India as the top global market for IPO proceeds, surpassing even the United States.

The exchange’s flagship index, the NIFTY 50, serves as a key indicator of the Indian capital market’s performance. Launched in 1996, it comprises 50 major stocks and is widely used by investors both domestically and internationally. The NSE had registered over 10.9 crore unique investors, highlighting its extensive reach among the Indian populace.

In the derivatives segment, the NSE has maintained its position as the world’s largest derivatives exchange for five consecutive years. In the first quarter of 2024, the average daily traded volume for futures contracts doubled to ₹2.09 trillion, while equity options volumes increased by 33% to ₹719.57 billion.

These milestones underscore the NSE’s significant role in shaping India’s financial markets and its growing influence on the global stage.

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F.V |

9.15% PNB Perpetual

T. Yield - 7.4%

CRISIL AA

BOND DETAILS

Oravel Stays Limited, better known as OYO, is a technology-driven hospitality company dedicated to helping small business owners thrive. Founded in 2012, OYO provides a suite of tech products and services that enable hotel and home owners to streamline operations, improve occupancy, and enhance guest experiences. With a strong focus on affordability and accessibility, OYO connects travelers with budget-friendly stays across multiple countries. Over the years, it has expanded its presence globally, offering millions of rooms and revolutionizing the short-stay accommodation industry.

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