Debt / Fixed Income
Stability. Predictability. Reliable Returns.
Secure stable and predictable returns with Bonds, Debentures, and NRI-focused Fixed Deposits. Nexpats Insights Private Ltd simplifies repatriation differences between NRE and NRO accounts and provides guidance on DTAA-based taxation benefits — offering a reliable option for investors seeking safety and steady income in Indian markets.
Why Choose Our Debt / Fixed Income Solutions
Stable Cash Flows
Prioritise predictable interest income over market volatility.
Risk-Managed Approach
Curated issuers and structures aligned to your risk profile.
Tax-Aware Structuring
Leverage NRE exemptions and DTAA where available for NRIs.
NRI & Global Ready
Clear guidance on repatriation, currency risk, and account type.
Goal-Based Planning
Align fixed income with education, retirement, and lifestyle goals.
Institutional-Grade Access
Access primary issuances, curated NCDs, and IFSC debt platforms.
Account Structures & Eligibility
NRI / OCI / PIO
ELIGIBILITY
Permitted under FEMA Schedule 4 via NRE/NRO accounts.
ACCOUNT TYPE
NRE (Repatriable) / NRO (Non-Repatriable) account-linked debt investments.
PRODUCT ACCESS
Bonds, NCDs, government securities, and NRI fixed deposits.
TAXATION
Interest typically taxable @30% (TDS); DTAA benefits may reduce rate; specified NRE deposits can be exempt while NRI status continues.
REPATRIATION
NRE – generally fully repatriable; NRO – non-repatriable capital, with limited repatriation possible under FEMA where permitted.
IDEAL FOR
NRIs/OCIs seeking fixed income with minimal risk exposure.
Foreign Nationals
ELIGIBILITY
Permitted via FPI/FVCI/IFSC routes under SEBI & RBI framework.
ACCOUNT TYPE
FPI or IFSC custody account through a registered custodian/intermediary.
PRODUCT ACCESS
Government securities, corporate bonds, and masala bonds (INR-denominated offshore).
TAXATION
As per FPI/FVCI regime; concessional 5% withholding for eligible foreign-currency bonds, subject to conditions and treaties.
REPATRIATION
Fully repatriable via FPI/IFSC account under FEMA rules.
IDEAL FOR
Global investors seeking Indian sovereign or corporate bond exposure.
Resident Indians
ELIGIBILITY
Fully permitted under RBI and SEBI guidelines.
ACCOUNT TYPE
Resident savings/investment account and Demat/custody as needed.
PRODUCT ACCESS
Government bonds, corporate NCDs, debt mutual funds, and fixed deposits.
TAXATION
Interest taxable as per slab; capital gains on debt instruments typically at 10%/20% depending on period/indexation rules prevailing.
REPATRIATION
Not applicable.
IDEAL FOR
Investors preferring steady income and portfolio stability.
OCB / Foreign Companies
ELIGIBILITY
Permitted via FDI/FPI/IFSC corporate channels and institutional mandates.
ACCOUNT TYPE
Corporate custody or IFSC account with bank/custodian.
PRODUCT ACCESS
Debt funds, IFSC bonds, institutional NCDs, and private placements.
TAXATION
Corporate or IFSC concessional regime for qualifying bonds and debt structures.
REPATRIATION
Fully repatriable under FEMA and IFSC rules, subject to structure.
IDEAL FOR
Corporate treasuries seeking fixed returns and diversification in India.
Compare top-performing NRI bonds, fixed deposits, and debentures with our fixed-income experts and secure stable returns through compliant investment routes.
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