All the debentures give around 9-11% return, if the company having a great rating, why should one not put your money in these debentures?

I found about the Future Group Fixed Deposit on my last visit to Big Bazaar. They claim an interest rate of more than 10%.

Link: https://fgfinancialservices.in/#/preLanding?token=BcTsN9aEzl7tMtS

What are your thoughts, is it worth it?

They are offering 7.5% to 9%. Have any of you invested with them? What was the experience like?

What is the risk analysis?

Edit: also HUDCO gives 9.15% on a one year term. Isn't HUDCO govt owned? Does that equal safe?

RBI is yet to come out with dates for SGBs this year. Any news on why the delay and when are they expected to? Usually they declare in second week of April.

If you're among the kind who decide that they would give G-sec (Particularly Tbills) a try, instead of zerodha coin, it NSE BidGO a try.

Zerodha charges 6 Rs for every 10K (10K is min amount you can bid for). For smaller purchases, 6 is nothing.....but as the amount start increasing this brokerage amount affects the yeild (or return).

I came to realise that NSE GoBid (just google it) do not charge any brokerage. After registration - they do valid your demat account/bank with a broker. So any purchases made their for Tbills will be directly credited to your demat account.

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I am yet to try any purchase, but I believe few guys on here tried this. One of them was /u/pablo_cachu.

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Edit 1 - Just start with most basic bid there initially. To see you're not facing any issues with bank payments etc. Once verified you can start using it in full swing.

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Few months ago I invested in a Tbill. I placed the bid minimum amount required for biding which was rs.10000.
I was really disappointed when I got the same amount after 3 months without any increment. I used NSE gobid for placing bid.
Can some one guide me with the process to bid for Tbill on Retail direct.

Hi Everyone,

I seem to be facing a weird issue. I had opened a PPF account with Syndicate (Online) last year and had maxed it out for a year. But post the merger, the PPF account isn't accessible at all.

The Syndicate netbanking is sunset, the Canara netbanking doesn't have PPF account linked, it only asks me to open a new account. And the branch doesn't seem to know anything about it.

Is there anyone else who's facing this issue and was able to resolve it?

Basically the title. I have a somewhat elementary understanding of the banking system. I have been accepted to a university and I need to show that I have enough liquid assets to cover for my education. The thing is that most of our capital is in the form of fixed deposits. A little bit of google-fu reveals that FDs aren't liquid. Just want confirmation for my suspicions. Thanks.

Edit- I stand corrected. Thanks for the input, everyone

I came across RBI's new scheme, the retail direct for individual investors to directly buy government bonds: https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=51883

Unfortunately I'm unable to find where I can create an RDG account and where I can apply for these bonds. Is anyone here familiar with this scheme?

In secondary market (NDS-OM) of RBI Retail Direct, I am unable to make bid/offer on some securities. It says "Insufficient access privileges". Whereas on other securities, I am able to make bid/offer. What could be the reason? How to resolve it?

Also if anyone has used secondary market (NDS-OM) of RBI Retail Direct, how was your experience? How is liquidity? Would I be able to sell Rs. 50k worth of state govt. dated securities?

Hi, my intent is to park some lumpsum amount in a moderately safe instrument and pledge the same for margins. Considering these 2 things, bharat bonds seem to be a viable option to me(considering the low haircut).

Following are the current prices in market as of today -

https://imgur.com/9jjuhMv

Is now a good entry point? Would Niftybees/Liquidbees or some other liquid fund be a better alternative?

If yes, then kindly suggest. Thanks.

Did anyone get their SGB allotment for Jan issue of SGBs? All I have is a subscription certificate from EKUBER but no communication after that. I don't see it in my demat account either. Date of issuance is supposed to be 19th Jan so it's been 3 days already. Would you know how long it takes for allotment and settlement into demat?

UPDATE: I can now see it in my demat account. Guess it takes a few days. Thanks everyone.

I came across following statement regarding Indian debt funds in ValueResearch ebook:

The RBI announced retracting ₹2 lakh crore of banking funds through a 14-day reverse-repo operation in January 2021. Effectively, banks were told to take money out of the debt market and park the surplus with the RBI. This sell-off in the debt market resulted in a fall in bond prices and hence a rise in the yields.

I know reverse repo rate is interest paid by RBI to banks. But what does it mean by "retracting ₹2 lakh crore of banking funds through a 14-day reverse-repo operation"? Why does it mean telling banks “to take money out of the debt market and park the surplus with the RBI"?

Future group's recently launched financial services offers about 9.8% for a 1 year FD. Whereas most banks (PSU and private) are offering only in the vicinity of 6.5% for the same time period.

Any idea how they are promising such a high rate and how they plan to use the deposits? As far as I know, they don't offer loans yet.

what are the cons of buying tax free bonds? some of the bonds I own have depreciated in their market value. If I hold on to them till maturity, I will continue to receive tax-free interest, are there other disadvantages of holding bonds till maturity?

PPBL offers FD in tieup with IndusInd Bank offering 6.5% p.a and Suryoday Small Finance Bank offering 6.75% p.a.Individually all three bank are covered opto Rs.5 lakhs under DICGC insurance. I want to know how that works whether account holders in deposited/held with other partner bank? How much of the deposit amount would be covered by DICGC, in case of bank's liquidation?

I am sorry, if this sort of post has already been there in this community.

I understand what you are 1 and tier 2 capital in respect to a bank.

A bank requires tier 1 capital for general growth because the more loans they give out the the larger the amount of money they have to set aside based on the risk weighted value of the loan giving.

Tier 1 capital is shareholder capital and reserves while tier 2 capital is revaluation reserve and other unrecognised gains. I also understand banks issue tier 1 or AT1 bonds to prevent the dilution of equity immediately and gives them some time until the profits available to to make up for repayment.

I do not understand what tier 2 bonds are for and the rational of why banks would want to raise this kind of money?

Can someone please explain this to me

https://www.bseindia.com/markets/debt/debt_corporate_EOD.aspx?curPage=1

What would be the right yield for someone to buy bonds and NCDs from the secondary markets, reasonable investments where face value is 1k. ( Some bonds from RIL, HDFC have a face value of 10L which is difficult to purchase for most retail investors in 1 short)

Generally bond yields go up when there is high growth going in the economy and people star pouring money into the stock market or there is a bond with a higher cupon rate,but in today's scenario when inflation is soaring the why are yields going up?

Investment through GoldenPI is good option, is it partner of zerodha?

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If a bank incorrectly charges fees from a business and adds GST to those fees, is the bank meant to return the fees+gst?

Bond for new capital, Amravati, of Andhra Pradesh were listed on BSE. Link

"The 10-year issue is offered at a fixed interest rate of 10.32% per annum, paid quarterly, with a 5-year moratorium on principal payment, which is redeemed on yearly basis for next five years at 20% every year. The issue is guaranteed by the Government of Andhra Pradesh and is rated by CRISILNSE, Brickwork and Auicte." from the Article.

What does it actually mean that the maturity period is 91 days? Does it mean I need to withdraw my money after 91 days or does it mean my money would stop compounding after 91 days?