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But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and will give you a complete account of the system and expound the actual teachings of the great explore

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Surat : M 27, Center Point, Civil Char Rasta , Sagrampura , Ring Road +919328933841 connect@urmiinvest.com
  • Fixed Deposits (FDs)
  • Government Bonds
  • Capital Gains Bonds
  • Tax-Free Bonds

Explore Our Fixed Deposit Services
Guaranteed Returns for Your Investments

Fixed Deposits (FDs) are a reliable and straightforward investment option. They provide a safe harbour for your hard-earned money, offering guaranteed returns with minimal risk. In this era of financial uncertainty, FDs stand as a beacon of stability.
FDs are financial instruments where you deposit a lump sum with a financial institution for a predetermined tenure. In return, you earn a fixed interest rate, making it an ideal choice for risk-averse investors.

Types of Fixed Deposits:

  • Regular Fixed Deposits: These are standard FDs with flexible tenure options.
  • Tax-saving Fixed Deposits: These FDs offer tax benefits under Section 80C of the Income Tax Act.
  • Senior Citizen Fixed Deposits: Exclusively for senior citizens, these FDs offer higher interest rates.

Features of Fixed Deposits:

  • Assured Returns: You'll earn a fixed interest rate, ensuring the safety of your principal amount.
  • Flexible Tenure Options: Choose a tenure that suits your financial goals.
  • Low to Zero Risk: FDs are one of the safest investment options.
  • High Liquidity: In case of an emergency, you can prematurely withdraw your FD with a slight penalty.
  • Loan against FD: You can avail of a loan against your FD, helping you in times of need.
  • Nomination Facility: Ensure a smooth transition of your investment to your loved ones.

Fixed Deposits are a secure investment option providing peace of mind and guaranteed returns. Whether you're looking to save for your future, plan for retirement, or save on taxes, FDs offer a reliable way to grow your wealth. Don't miss out on this opportunity!

 

A government bond is a debt security issued by a national government to support government spending and obligations. Investors who purchase government bonds are essentially lending money to the government in exchange for periodic interest payments and the return of the bond's face value upon maturity.

Key Features of Government Bonds

  • Issuer: The bond is issued by the central or national government.
  • Interest Payments: Government bonds typically pay periodic interest, known as coupon payments, at fixed intervals (e.g., annually or semi-annually).
  • Maturity: Bonds have a fixed term or maturity date at which point the principal amount (face value) is repaid to the bondholder.
  • Credit Risk: Government bonds are considered low-risk investments because they are backed by the government's ability to levy taxes and print currency.

Capital gains bonds are investment instruments designed to help investors defer or avoid paying taxes on capital gains from the sale of other investments. These bonds are typically issued by government agencies or financial institutions and offer tax benefits to investors under specific conditions.

Key Features of Capital Gains Bonds

  • Tax Benefits: Capital gains bonds offer tax relief on the capital gains earned from other investments, helping investors reduce their tax liability.
  • Interest Payments: These bonds may offer periodic interest payments or can be sold at a premium, depending on the bond's terms.
  • Investment Horizon: They usually have a defined maturity period during which the tax benefits apply.

What Are Tax-Free Bonds?
Tax-free bonds are investment instruments issued by government agencies or municipal corporations that offer interest payments free from income tax. They are typically used to finance public sector projects or infrastructure development and are considered a low-risk investment option due to their backing by government entities.

Key Features

  • Tax Benefits: The primary advantage of tax-free bonds is that the interest income earned is exempt from income tax. This benefit is particularly valuable for investors in higher tax brackets.
  • Issuer: Tax-free bonds are usually issued by central or state governments, public sector undertakings (PSUs), or municipal corporations.
  • Interest Rate: The interest rates on tax-free bonds are generally lower compared to taxable bonds because the interest earned is tax-exempt.
  • Safety: These bonds are considered low-risk due to the backing of government entities, making them a safer investment compared to corporate bonds.
  • Maturity Period: Tax-free bonds typically have long maturity periods, ranging from 10 to 20 years or more.
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