18 · FDs & BONDS
18 · FDs & BONDS
| Issuer | Min Inv | Rating | Tenor | Annual Return | Coupon | Interest | Principal | Maturity | Security |
|---|---|---|---|---|---|---|---|---|---|
| ① 12–30 Months (yield / quality) | |||||||||
| Profectus Capital | ₹1 L | A | 17 M | 9.30% | 9.00% | Monthly | On maturity | 19-Jan-28 | Secured |
| InCred Financial Services | ₹1 L | AA- | 22 M | 8.60% | 8.80% | Quarterly | On maturity | 12-Jun-28 | Secured |
| MAS Financial Services | ₹1 L | AA- | 22 M | 8.30% | 8.70% | Quarterly | On maturity | 24-Jun-28 | Secured |
| Vivriti Capital | ₹10 k | A+ | 23 M | 9.15% | 9.90% | Monthly | On maturity | 28-Jul-28 | Secured |
| EarlySalary Services | ₹1 L | A- | 26 M | 10.00% | 10.50% | Monthly | On maturity | 04-Oct-28 | Secured |
| ② 31–60 Months (yield / quality) | |||||||||
| UGRO Capital | ₹10 k | A+ | 35 M | 9.80% | 9.99% | Monthly | On maturity | 16-Jun-29 | Secured |
| IIFL Samasta Finance | ₹10 k | AA | 37 M | 9.40% | 9.25% | Monthly | On maturity | 12-Aug-29 | Secured |
| Navi Finserv | ₹10 k | A | 38 M | 9.80% | 10.75% | Monthly | On maturity | 31-Aug-29 | Secured |
| ③ 60+ Months (PSU · AAA · zero-coupon) | |||||||||
| REC (Rural Electrification Corp) | ₹1 L | AAA | 100 M | 6.45% | 0.00% | On maturity | On maturity | 03-Nov-34 | Unsecured |
| IRFC (Indian Railway Finance Corp) | ₹1 L | AAA | 113 M | 6.50% | 0.00% | On maturity | On maturity | 01-Dec-35 | Unsecured |
Annual Return is the yield to the investor; Coupon is the contractual rate — the two differ, and the higher of them is not the return. REC and IRFC are zero-coupon: no periodic interest, with the 6.45% / 6.50% yield and principal paid together at maturity. Click an issuer to open its one-pager.
The Neo Equalizer is a Principal-Protected Market-Linked Debenture: your capital is 100% protected and returned in full at the end of the 36-month maturity, plus an annual coupon each year set by a single yearly check of the Nifty 50.
Each year pays a 12% coupon unless the Nifty 50 is down 20% or more on that year's observation, in which case that year pays 10% — across all 3 years, with the full principal returned at maturity.
| Particulars | Details |
|---|---|
| Structure | Principal-protected MLD, Nifty 50-linked |
| Issued by | Neo Markets Services |
| Tenor | 3 years (36 months) |
| Coupon | Paid yearly · 12% if Nifty > −20%; 10% if ≤ −20% |
| Principal | Fully protected at maturity |
| Liquidity | Held to maturity, no early exit |
| Tax | Taxed at slab |
| Minimum Investment | ₹10 lakh |
Held by Neo Markets Services Private Limited (treasury & liquidity management) — a 100% subsidiary of Neo Wealth Management, itself 100% owned by the holding company Neo Investment & Value Advisors. The Neo Group carries a net worth of ~₹3,000 Cr and is backed by MUFG, Peak XV, Euclidean Capital and TVS Capital Funds.
Please follow this process for all Neo Equaliser MLD transactions, effective immediately.
BD to email the Bond Desk with the required amount and transaction date. Requests must be complete — incomplete mails will not be priced.
Attach: CML of the client · PAN card · Cancelled cheque.
State in the mail: Amount · Date of transaction · Client CRN · Partner code · RM name · Partner name · Brokerage to partner.
Bond Desk will share the pricing along with the applicable risk disclaimers.
BD to share the pricing and risk disclaimers with the client and obtain written approval. Take the client through the risk disclosures — principal risk, market-linked payoff, issuer credit risk, liquidity / exit constraints and taxation. Verbal confirmation is not sufficient.
Funds must be credited to the account below by 3:00 PM on the date of trade. Transfers received after the cut-off will move the trade to the next working day.
| Bank Name | HDFC Bank Ltd |
| Account Number | 50200075739143 |
| IFSC Code | HDFC0001203 |
| Account Type | Current Account |
| Account Holder | Centricity Fincap Private Limited |
On receipt of client approval and fund confirmation, securities will be transferred to the demat account as per the CML submitted:
Set client expectations on timelines up front, particularly for CDSL accounts.
Shriram Finance — 40+ years in lending to underserved segments. Nifty 50 constituent. AAA/Stable (CARE).
| Tenure (Months) | Monthly | Quarterly | Half-Yearly | Annual |
|---|---|---|---|---|
| 12 | 6.64% | 6.68% | 6.74% | 6.85% |
| 18–23 | 6.83% | 6.87% | 6.93% | 7.05% |
| 24–35 | 6.88% | 6.92% | 6.98% | 7.10% |
| 36–60 | 7.25% | 7.30% | 7.36% | 7.50% |
Shriram Finance FD rates as on 30-Jun-2026. Rates may be revised by the company; confirm before submitting the application.
Payout rates (% p.a.) as on 30-Jun-2026 · confirm rates before applying.
| Tenure (Months) | Monthly | Quarterly | Half-Yearly | Annual |
|---|---|---|---|---|
| 12–23 | 6.50% | 6.54% | 6.59% | 6.70% |
| 24–35 | 6.64% | 6.68% | 6.73% | 6.85% |
| 36–59 | 6.88% | 6.92% | 6.98% | 7.10% |
| 60 | 7.02% | 7.06% | 7.12% | 7.25% |
| Tenure (Months) | Monthly | Quarterly | Half-Yearly | Annual |
|---|---|---|---|---|
| 12–15 | 6.40% | 6.45% | 6.50% | 6.60% |
| 24–30 | 6.65% | 6.70% | 6.75% | 6.85% |
| 36–42 | 7.15% | 7.20% | 7.25% | 7.40% |
| 48–60 | 7.20% | 7.25% | 7.30% | 7.45% |
| Tenure (Months) | Monthly | Quarterly | Half-Yearly | Annual |
|---|---|---|---|---|
| 12 | 6.41% | 6.44% | 6.49% | 6.60% |
| 18–24 | 6.64% | 6.68% | 6.74% | 6.85% |
| 33–60 | 7.16% | 7.20% | 7.27% | 7.40% |
| Tenure (Months) | Monthly | Quarterly | Annual |
|---|---|---|---|
| 12–23 | 6.60% | 6.65% | 6.85% |
| 24–35 | 6.70% | 6.75% | 6.95% |
| 36–47 | 6.85% | 6.90% | 7.10% |
| 48–59 | 6.95% | 7.00% | 7.20% |
| 39 (special) | 7.05% | 7.10% | 7.30% |
| 45 (special) | 7.10% | 7.15% | 7.35% |
As on 30-Jun-2026 · rates subject to change.
| Period | Interest Rate (p.a.) | Annualised Yield |
|---|---|---|
| 6 Months 1 Day | 6.50% | 6.66% |
| 9 Months to < 1 Year | 6.00% | 6.14% |
| 1 Year | 7.25% | 7.45% |
| 18 Months | 7.60% | 7.82% |
| 30 Months | 8.10% | 8.35% |
| 5 Years | 7.90% | 8.14% |
| Above 5 Years to 10 Years | 7.25% | 7.45% |
Highest published buckets: 30-Month at 8.10% and 5-Year at 7.90%. Small-finance-bank deposits are insured up to ₹5 lakh per depositor under DICGC.
Digital-first bank (Centrum Financial Services + BharatPe) · rates as on July 2026 · subject to change.
| Period | Interest (p.a.) | Senior Citizen |
|---|---|---|
| 7 – 45 Days | 4.00% | 4.00% |
| 46 – 60 Days | 4.75% | 5.25% |
| 61 – 164 Days | 5.00% | 5.50% |
| 165 Days – 6 Months | 5.50% | 6.00% |
| > 6 Months – 364 Days | 6.25% | 6.75% |
| 1 Year | 7.50% | 8.00% |
| 1 Year 1 day – 500 Days | 6.50% | 7.00% |
| 501 Days | 8.00% | 8.50% |
| 502 Days – 60 Months | 6.75% | 7.25% |
| > 60 – 120 Months | 6.00% | 6.50% |
Peak rate: 501 Days at 8.00% (8.50% for seniors); 1-Year at 7.50%. Trail brokerage 0.60% p.a. across all tenures. Deposits insured up to ₹5 lakh per depositor under DICGC. View bank profile & financials →
