Invest in Fixed-Income Instruments for Guaranteed Returns with Sushil Finance

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Fixed Income

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Consistent Returns

Fixed-income instruments provide relative safety of principal & a predictable rate of return (yield). If your risk tolerance level is low, fixed-income investments might suit your investment needs better. Here are a few efficient fixed income investment solutions:

Floating Rate Savings Bond 2020 (FRSB) By Govt. of India [RBI]
The Government of India has launched Floating Rate Savings Bonds, 2020 (Taxable) with effect from July 1, 2020. (View Report)
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Features of the bond:

Minimum Investment Amt.	Rs.1,000 (Face Value) & in multiples thereafter
Tenure & Maturity Period	7 years from the date of issue. Special provision for premature redemption for Senior Citizens.*
Rate of Interest (ROI)	Interest on the bonds is payable semi-annually on 1st Jan and 1st July every year. Coupon on 1st July, 2022 shall be paid at 8.05% The Interest rate for next half-year will be reset every six months, the first reset being on January 01, 2021. Non-Cumulative
Tax Treatment	Tax will be deducted at source while interest is paid. If an exemption under the relevant provisions of the Income Tax Act,1961 is obtained, it may be declared in the Application Form.
Base Rate	The coupon rate will be linked/pegged with prevailing National Saving Certificate (NSC) rate with a spread of (+) 35 bps over the respective NSC rate.
Mode of Issue & Holding	Electronic form held in the Bond Ledger Account. (Non Demat)
Eligibility	An Indian Citizen A Hindu Undivided Family (HUF) On behalf of Minor as Father/Mother/legal Guardian NRIs are not eligible
Date of Issue of bonds	Date of realization of the funds/ Chq/ Draft
Tradability/Advances	Not tradable in the secondary market and not eligible as collateral for loans from banks, Financial Institutions and Non-Banking Financial Company (NBFC) etc.
Cheque in Favour of	HDFC Bank- RBI Floating rate Savings Bond 2020

Forms

HDFC Floating Rate Saving Bond - Form

RBI FRSB Collection Centres

HUF DECLARATION FORM

Documents Required under Forms

Section 54 EC - Capital Gain Bonds
Capital Gains Bonds are instruments which offer tax exemption for transferring gains of long term capital assets under Section 54EC of the Income Tax Act, 1961.The Investment in these Bonds is to be made within six months from the date of such transfer of capital assets (Land/House Property etc.) for being exempted from Capital Gains Tax.
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ISSUE HIGHLIGHTS Series VIII PFC

Features	RECL (Rural Electrification corporation Ltd)	PFC	IRFC
Coupon/Interest rate/Yield	5.25%	5.25%	5.25%
Taxability of Returns	Taxable	Taxable	Taxable
Tax Benefit under Section	SEC 54 EC	SEC 54 EC	SEC 54 EC
Minimum (Rs.)	20,000 (2 bonds of ₹ 10,000 each) and then in multiple of Rs. 10,000/- (1 bond) thereafter	20,000 (2 bonds of ₹ 10,000 each) and then in multiple of Rs. 10,000/- (1 bond) thereafter	20,000 (2 bonds of ₹ 10,000 each) and then in multiple of Rs. 10,000/- (1 bond) thereafter
Maximum (Rs.)	50 Lacs (500 bonds of ₹ 10,000 each)	50 Lacs (500 bonds of ₹ 10,000 each)	50 Lacs (500 bonds of ₹ 10,000 each)
Tenure	5 Years	5 Years	5 Years
Mode of Interest	Annual	Annual	Annual
Link To Forms	Download	Download	Download
	Issue Highlights Notice	Issue Highlights	Issue Highlights

Provisions of Section 54EC

As per provisions of Income Tax Act, 1961, any long term capital gains arising from transfer of any capital asset would be exempt from tax under section 54EC of the Act if:

The entire capital gain realized is invested within 6 months of the date of transfer in eligible bond.
Such investment is held for 5 years.
To avail of capital gain exemption, the bonds so acquired cannot be transferred or converted into money or any loan or advance can be taken on security of such bond within 5 years from date of acquisition else, the benefit would be withdrawn.
If the amount invested in bonds is less than the capital gains realized, only proportionate capital gains would be exempt from tax.

Company Fixed Deposits
We offer a range of Corporate Fixed Deposits of varying tenures, interest rates & institutions to suit your investment needs. The deposit schemes have been specially chosen from high-safety options to ensure that you enjoy the twin benefits of returns and protection.
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Overview
Corporate Fixed Deposits or Company Fixed Deposits are fixed income based investment instruments issued by corporates. These instruments offer higher interest rates compared to Bank FDs.

Key Benefits:
• Higher Returns: Some corporates can give you higher returns for your investments with adequate safety

• Duration: Invest your money in fixed deposits ranging from 1 year to 5 years

• Investment Amount: With amounts ranging from Rs.5,000/-, it offers a wide range of investment opportunities

• Senior Citizens: Attractive Rates of Interest will be given to senior citizens.

• Other Benefits: Prematurity clause is available, Loan Facility Available, No TDS in case the interest earned is limited Rs.5000/- in one financial year.

Why Sushil Finance?
We offer superior service, well researched companies. We make sure we only empanel with companies which have good quality management and strong financial profile, so that customer’s money is not at risk.

Forms Download

Sr No.	Company Name	Downloads
1	Bajaj Finance-Individual
2	Bajaj Finance Ltd.-KYC Form for Individual
3	Bajaj Finance-HUF Declaration form
4	Bajaj Finance-Trust & HUF
5	HDFC Individual Regular Form
6	HDFC FD KYC Form for Individual
7	HDFC Trust Deposit Form
8	LIC Housing Finance Ltd-Ind,Firm & Trust
9	Mahindra & Mahindra Finance Application form
10	Mahindra & Mahindra FATCA individual form
11	PNB Housing Finance Ltd (Ind, HUF, Trust)
12	Shriram City Union-Ind, HUF
13	Shriram Transport Finance Ltd-IND
14	Form 15G
15	Form 15H

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Mon to Fri - 10.00 a.m. to 6.00 p.m. (except public holidays)
FINANCE WECONNECT to 56161
weconnect@sushilfinance.com

Consistent Returns

Floating Rate Savings Bond 2020 (FRSB) By Govt. of India [RBI]

Section 54 EC - Capital Gain Bonds

Provisions of Section 54EC

Company Fixed Deposits

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