How to Compare Fixed-Income Options Beyond Just Returns
Investors in India often evaluate fixed-income investments by looking at one number, the interest rate. Whether it’s a corporate bond offering 8.25%, a bank FD at 7.5%, or a debt mutual fund delivering 7% annualised returns, the instinct is simple: higher is better. But yield alone is not a sufficient decision-making metric. The right fixed-income […]
Which Bond Market Strategy Suits Your Investment Objectives?
Introduction Bonds are often considered safer investments, but the way you invest in them is just as important as choosing to invest in them. A well-chosen bond market strategy can help preserve capital, generate steady income, or balance overall portfolio risk. Different financial goals require different fixed income investment strategies. A short-term goal, for example, […]
Goal Planning: The Missing Link in Retail Investing
For retail investing to work over the long term, goal planning plays a far more important role than most investors realise. Most retail investors don’t fail because they choose the wrong investment. They struggle because they never clearly defined what the investment was meant to do in the first place. Amid continuous market commentary, product […]
What 2025 Revealed About India’s Debt Markets: Implications for NBFCs and Investors
As India navigated a year of economic recalibration, the debt markets stand at an inflection point. For NBFCs and fixed-income investors, 2025 has proven to be not merely another cycle – it’s a watershed moment that will test adaptability, reward strategic foresight, and reshape how capital flows through the financial system. The Macro Backdrop: Navigating a […]
Understanding Interest Rates: How They Shape Markets, Credit, and Investments
Interest rates are among the most powerful forces in the global financial system. They influence everything from the value of bonds and equities to the cost of borrowing and the behaviour of entire economies. For investors, understanding interest rates is not just about tracking central bank announcements. It’s about recognising how rate movements shape market […]
NBFC Funding in India: Challenges, Solutions & Structuring Approaches
Non-Banking Financial Companies (NBFCs) play a critical role in India’s credit ecosystem by extending financing to underserved segments such as MSMEs, retail borrowers, and infrastructure-linked sectors. However, NBFC funding in India remains complex, shaped by liquidity risks, regulatory oversight, and market cycles. For NBFCs, lenders, and institutional investors, understanding funding structures and associated risks is […]
Fixed Income 101: Understanding Debt Investments Guide
Introduction: What is Fixed Income? Fixed income products are debt instruments that provide investors with regular, predictable income streams over a specified period. Unlike equity investments, where returns fluctuate with multiple factors such as company and industry performance, competitive landscape, macro and micro economic factors etc,. Investment in fixed income products offers predetermined interest payments […]
