Your FD is Losing Money. Here's the Fix Without Equity Risk.
At 7% FD interest minus 30% tax, you earn 4.9%. Inflation is 6%. You're not preserving wealth , you're bleeding it. India's ₹90–100 lakh crore bond market offers 8–12% yields with defined maturity and credit ratings.
DealPlexus structures your allocation with tax optimization, credit analysis, and yield laddering , so your conservative money actually grows.
India's Fixed Income Market
Target Yield Range (pre-tax)
Investors in Our Network
Why DealPlexus , Not Your Bank, Not a Retail Aggregator
Your bank's relationship manager recommends FDs because FDs are simple to explain and generate zero advisory complexity. Retail bond platforms like Wint Wealth and Grip Invest show you a curated list , but no one tells you which NCD makes sense at your tax bracket, which bond has call risk, or how to construct a ladder that matches your income needs over time.
DealPlexus operates differently.
Three things separate our fixed income advisory from every other source of advice you have encountered:
SEBI-regulated advisory framework.
Every recommendation is made within India's regulatory structure. You are not buying from a grey-market aggregator or a WhatsApp bond dealer. You are working with a team that applies investment banking diligence to every fixed income instrument we recommend.
No proprietary products.
We do not manufacture bonds. We do not earn higher fees for pushing one NCD over another. Our incentive is your post-tax yield , not our margin on a specific issuance.
Tax-integrated analysis.
A bond yielding 9% in the 30% tax bracket nets you 6.3%. A tax-free bond at 6.5% nets you 6.5%. A structured product with indexation benefit nets you something different again. Most advisors give you pre-tax yields. DealPlexus gives you post-tax outcomes , the number that actually matters.
Why High-Earning Professionals Are Quietly Losing 1–2% Every Year
Here is the math nobody shows you at your bank.
The silent wealth destroyer
“You have ₹50 lakhs earning 7% in an FD. After tax and inflation, your real return is negative.”
Every quarter you get an interest credit. What you don't get is the full picture.
The real math on your FD
FD Interest Rate
7.00%Less: Income Tax (30% bracket)
−2.10%Post-Tax FD Return
4.90%Less: CPI Inflation (approx.)
−5.50%Real Return on Your FD
≈ −0.6%That quarterly credit isn't wealth creation. It's preservation theater.
What DealPlexus gives you access to
Bank Fixed Deposit
7.0%
4.9%
AA-rated Corporate NCD
9.5%
6.65%
Government Security (G-Sec)
7.3%
7.3%*
PSU Tax-Free Bond
Tax-Free6.5%
6.5%
The income gap, in rupees
₹50 Lakh corpus
₹85K–1.1L
extra income / year
₹2 Crore corpus
>₹4 Lakhs
extra income / year
And that is before bond laddering, NCD maturity structuring, and indexation benefits compound the advantage further.
The fixed income market has always had better options than your FD. The problem has been access , and the advisory to navigate it without taking on risks you do not understand.
DealPlexus solves both.
Four Instruments. Different Risk-Yield Profiles. One Advisory Relationship
Every fixed income instrument serves a different role in your portfolio. The right mix depends on your tax bracket, liquidity needs, and income goals , which is exactly what our advisors determine with you.
Risk Level
Yield Range
6.8–8.05%
Time Horizon
Flexible
Government of India Securities , G-Secs, T-Bills & SDLs
Government of India securities , G-Secs, T-Bills, State Development Loans (SDLs) , are the bedrock of institutional fixed income portfolios. RBI Floating Rate Bonds currently yield 8.05%. The 10-year G-Sec benchmark sits at 6.8–7%. SDLs often yield 20–40 bps more. These are zero-default-risk instruments that retail investors almost never access correctly , buying through RBI Retail Direct is one thing; structuring duration, deciding between G-Secs and SDLs, and integrating government bonds into a broader ladder is another.
Risk: Sovereign credit quality , zero default risk. Interest rate risk exists if sold before maturity.
Returns: 6.8–8.05% pre-tax. With capital gains optimization on G-Secs sold before 3 years, post-tax outcomes can rival FDs significantly.
Liquidity: High. G-Secs trade on the NDS-OM platform with institutional depth. Exit before maturity is possible.
Suited for: Retirees seeking sovereign safety with better-than-FD yields. Corporates parking treasury surplus. HNIs wanting a risk-free anchor in a larger fixed income portfolio.
Duration management + yield curve positioning , not just buying a bond and holding.
Risk Level
Yield Range
8.5–11%
Time Horizon
1–5 Years
Non-Convertible Debentures from AA & AAA-Rated Corporate Issuers
NCDs from AA and AAA-rated corporate issuers currently yield 8.5–11% depending on tenure and credit rating. The NCD market is where sophisticated investors earn the risk premium that differentiates them from FD holders. The catch: credit quality varies enormously. A NCD yielding 12% from a BBB-rated NBFC is not the same instrument as a NCD yielding 9% from a AA-rated infrastructure company. Default risk, liquidity risk, and put/call provisions need to be analyzed , not just yield-to-maturity.
Risk: Moderate. Credit risk varies by issuer rating. AA/AAA ratings carry low historical default rates in India.
Returns: 8.5–11% pre-tax. Post-tax at 30% bracket: 5.95–7.7% , significantly above FD net yields.
Liquidity: Moderate. Listed NCDs trade on BSE/NSE but volumes can be thin. Primarily hold-to-maturity instruments.
Suited for: Investors seeking 1–3% yield premium over FDs with controlled credit risk. HNIs building a yield-generating fixed income sleeve alongside equity.
Full credit analysis on every NCD we recommend , not just yield-to-maturity.
Risk Level
Yield Range
8–14% (conditional)
Time Horizon
2–5 Years
Principal-Protected Notes, MLDs & Market-Linked Debentures
Structured products , principal-protected notes, market-linked debentures (MLDs), and hybrid instruments , combine fixed income safety with conditional equity or commodity upside. A typical structure: 100% capital protection at maturity with returns linked to Nifty performance above a threshold. These instruments are complex. They are also powerful , when structured correctly and sized appropriately within a portfolio.
Risk: Low to moderate. Capital protection is only as strong as the issuer's credit. Issuer evaluation is critical.
Returns: 100% capital protection + conditional upside linked to market performance. Effective yield 8–14% depending on structure and market outcome.
Liquidity: Low. Structured products are illiquid until maturity , typically 2–5 years. Not suitable for funds you may need access to.
Suited for: HNIs with ₹25L+ to allocate who want capital safety with the possibility of equity-like upside. Conservative investors open to structured complexity.
Option payoff analysis, issuer credit quality, tax treatment , evaluated properly before we recommend.
Risk Level
Yield Range
5.5–7.5% (tax-free)
Time Horizon
Long-Term
PSU Tax-Free Bonds , NHAI, PFC, IRFC, REC
PSU-issued tax-free bonds , from NHAI, PFC, IRFC, REC , offer coupon rates of 5.5–7.5% that are 100% exempt from income tax under Section 10(15)(iv). At a 30% tax bracket, a 6.5% tax-free bond is equivalent to a taxable instrument yielding 9.28% pre-tax. Most investors discover tax-free bonds too late , when prices have already moved and the yield-to-maturity no longer justifies the entry. DealPlexus monitors the secondary market continuously and advises on entry points.
Risk: Very low. PSU issuers carry quasi-sovereign backing. Secondary market interest rate risk is the primary concern.
Returns: 5.5–7.5% fully exempt from income tax. At 30% bracket: equivalent taxable yield of 7.86–10.7%. Best at high income brackets.
Liquidity: Moderate. Listed on exchanges, but secondary market volumes can be limited. Typically hold-to-maturity.
Suited for: HNIs in the 30% tax bracket seeking high post-tax yields with sovereign-quality credit risk. Retirees wanting predictable income fully exempt from tax.
The higher your tax bracket, the better the deal , 6.5% exempt = 9.28% equivalent pre-tax at 30%.
The Data Behind the Yield Gap
The FD post-tax yield at 30% bracket is 4.76% , below India's CPI inflation.
At 6.8% pre-tax, a bank FD delivers ₹2,38,000 per year on ₹50 lakhs in the 30% tax bracket. A AA-rated corporate NCD at 9.5% delivers ₹3,32,500 on the same corpus. That gap , ₹94,500 per year , compounds silently into lakhs while your FD renews automatically at the same rates. The math does not change by ignoring it.
India's ₹90–100 trillion fixed income market is almost entirely inaccessible without advisory.
Primary NCD issuances at institutional terms, SDL auctions, structured products from banking desks, and tax-free bond secondary market windows are not available on retail aggregators. DealPlexus accesses these through institutional channels , and advises on whether each instrument is appropriate for your specific tax bracket, liquidity timeline, and portfolio goals.
Credit quality analysis is the difference between 9.5% and a capital loss.
A NCD at 12% from a BBB-rated NBFC is not the same instrument as a NCD at 9.5% from a AA-rated infrastructure company. Call risk, put provisions, issuer leverage, and DSCR coverage ratios determine whether that yield is earned or forfeited. Retail platforms list yields. DealPlexus analyzes the instrument behind them.
A laddered fixed income portfolio delivers 6.2–6.8% post-tax on ₹1 crore , versus 4.76% in an FD.
Spreading ₹1 crore across 1-year NCDs (₹25L at 9%), 3-year G-Secs/SDLs (₹25L at 7.4%), 5-year tax-free bonds (₹25L at 6.5% exempt), and a capital-protected structured product (₹25L) delivers a blended post-tax yield of 6.2–6.8% at the 30% bracket. On ₹1 crore, that additional ₹1.4–2.0 lakhs per year is not complexity , it is discipline.
The DealPlexus fixed income advisory advantage
Our ... professional network , CAs, CFOs, bankers , provides proprietary intelligence on credit conditions and issuance windows. When our network signals elevated NBFC stress in a sector, we avoid it in NCD recommendations. When a PSU insurer is preparing a tax-free bond tranche, we position clients ahead of the secondary market announcement. This is not available from Wint Wealth, Grip Invest, or your bank relationship manager.
Your Next Step: A Fixed Income Portfolio Review Built Around Your Tax Bracket
A portfolio review is not a sales call. It is a 30-minute structured conversation where our fixed income advisory team:
Reviews your current fixed income allocation , how much is in FDs, what the post-tax yield actually is, and where the yield gap lies
Maps your tax bracket, liquidity timeline, and income requirements to the right instrument mix across government bonds, NCDs, tax-free bonds, and structured products
Presents a specific laddered allocation , with instrument-level recommendations, credit analysis summaries, and post-tax yield projections for your bracket
Answers every question you have about credit risk, liquidity, tax treatment, and how each instrument fits your overall portfolio
You leave with a specific fixed income ladder , not a brochure and a follow-up call.
If after the review you decide fixed income restructuring is not the right move right now, you will have a significantly clearer picture of what your current allocation is actually earning you , after tax, after inflation. That alone is worth the 30 minutes.
If you decide to proceed, onboarding is straightforward: instrument selection, order placement, and portfolio documentation. Our team manages every step , from primary NCD subscriptions to secondary market G-Sec purchases.
Fixed Income Securities
Build Your Fixed Income Portfolio , Properly, This Time
Bonds · NCDs · Government Securities · Structured Products · Tax-Free Bonds , Advisory-led access to India's ₹90–100 trillion fixed income market. One relationship. Complete allocation advisory.
Market Size
₹90–100T
Min. Investment
₹10,000
Regulated by
SEBI / RBI
Get Your Fixed Income Allocation Right
Our advisors will review your current portfolio, identify the right mix of bonds, NCDs, and government securities for your risk profile, and give you a specific plan , not a product pitch.
Subject to credit risk, interest rate risk & market conditions. Consult your CA for tax treatment.
DealPlexus , India's Financial Supermarket | Fixed Income Securities · Bonds · NCDs · Government Securities | Gurgaon HQ: 443, 4th Floor, Tower A2, Spaze iTech Park, Sohna Road, Gurgaon 122001 | support@dealplexus.com | +91 7428100654
DealPlexus | India's Financial Supermarket | SEBI registered. All fixed income investments subject to credit risk, interest rate risk, and market conditions. Past yields do not guarantee future returns. Tax treatment subject to individual circumstances , consult your CA.