Debt / Fixed Income
Stability. Predictability. Reliable Returns.
Secure stable 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 NRIs seeking safety and steady income in Indian markets.
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, NRI Fixed Deposits
- Taxation: Interest taxable @30% (TDS); DTAA benefits available; exempt for specified NRE deposits
- Repatriation: NRE – Repatriable; NRO – Non-repatriable unless approved
- 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 account through registered custodian
- Product Access: Government securities, corporate bonds, masala bonds
- Taxation: As per FPI/FVCI regime; concessional 5% rate for eligible bonds
- Repatriation: Fully repatriable via FPI/IFSC account
- 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
- Product Access: Government bonds, corporate NCDs, debt mutual funds, FDs
- Taxation: Interest taxable as per slab; LTCG 10%/20% for debt instruments
- Repatriation: Not applicable
- Ideal For: Investors preferring steady income and portfolio stability
OCB / Foreign Companies
- Eligibility: Permitted via FDI/FPI/IFSC corporate channels
- Account Type: Corporate custody account with custodian or bank
- Product Access: Debt funds, IFSC bonds, and institutional placements
- Taxation: Corporate/IFSC concessional regime for qualifying bonds
- Repatriation: Fully repatriable under FEMA and IFSC rules
- 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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