Government securities, quality corporate bonds, fixed deposits, debt funds. Not exciting — deliberately. This is where near-term goals and steady income live.
Familiar, insured up to limits, fully predictable. The benchmark everything else must beat.
Government securities
Sovereign safety with better yields at longer tenures — now buyable in retail sizes.
Corporate bonds
Extra yield for measured credit risk. We stay senior, rated, and diversified.
Debt funds
Liquidity plus professional management — the flexible wrapper for all of the above.
Income ladder calculator
Steady money, on a schedule.
Choose income now or a lump sum later — the ladder shows what your capital earns either way.
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Illustration at a constant blended yield. Actual FD/bond rates vary by issuer, tenure and rating; debt fund returns are market-linked. Interest is taxable at your slab.
Why a ladder? Splitting capital across maturities means something matures every year — reinvested if rates are good, spent if life asks. No single rate decides your outcome.
Boring money, done brilliantly.
Tell us what the money is for and when — we'll build the ladder, pick the issuers, and mind the credit quality.