Are AAA corporate fixed deposits safe through Sarkar Capital?

Sarkar Capital distributes strictly CRISIL and ICRA AAA-rated corporate fixed deposits from premier issuing institutions like Bajaj Finance, Mahindra, and HDFC. Your payment is drawn directly in favor of the issuing institution, ensuring zero intermediary custody risk.

How does a Section 54EC bond save capital gains tax on property sale?

Under Section 54EC of the Income Tax Act, if you sell residential or commercial property and earn Long-Term Capital Gains (LTCG), you can invest up to ₹50 Lakh within 6 months into 54EC bonds issued by REC, PFC, NHAI, or IRFC to claim 100% tax exemption on those gains.

Do Sovereign Gold Bonds (SGBs) pay regular interest?

Yes. SGBs issued by the Reserve Bank of India pay a fixed 2.50% p.a. interest semiannually, in addition to matching the market price of physical gold upon maturity after 8 years, with 100% tax-free capital gains.

Capital Preservation & Cash Flow Desk

Earn 7.8% to 8.6% Fixed Returns—Without Stock Market Volatility.

Whether you are a retiree seeking predictable monthly cash flow or a property seller wanting to save up to ₹10 Lakh in capital gains tax, our fixed income desk secures your capital with CRISIL/ICRA AAA-rated corporate FDs, Sovereign Gold Bonds, and 54EC tax-exemption bonds.

Inquire Current FD & Bond Rates Talk to Fixed Income Specialist

The Idle Cash Comparison (₹25 Lakh Corpus)

Savings A/C vs. AAA Corporate FD

Standard Bank Savings (3% p.a.)₹75,000 / year

Loses real purchasing power every year against 6.7% inflation.

AAA Corporate FD (8.4% p.a.)₹2,10,000 / year

Gain: +₹1,35,000 Extra Annual Income with top-tier credit ratings.

Direct Issuer Cheque / RTGSZero Intermediary Pooling

Curated Yield Avenues

Avenues Designed for Capital Preservation & Cash Flow

SOVEREIGN BACKED • 2.5% P.A. EXTRA PAYOUT

Sovereign Gold Bonds (SGBs)

The absolute safest way to hold gold. Zero making charges, zero storage locker risk, guaranteed government backing, and regular semiannual interest credited to your bank.

Issuer:Reserve Bank of India (Govt of India)

Tenure:8 Years (Flexible exit after 5th year)

Indicative Yield:2.50% regular interest + physical gold appreciation

Tax Status:100% Tax-Free capital gains on maturity redemption

CRISIL / ICRA AAA RATED • UP TO 8.60%

AAA Corporate Fixed Deposits

Stop earning 6% in commercial bank FDs. Lock in superior yields with India's highest-rated corporate issuers, offering monthly, quarterly, or cumulative payout options.

Issuer:Premier NBFCs & HFCs (Bajaj Finance, Mahindra, HDFC)

Tenure:12 to 60 Months

Indicative Yield:Up to 7.80% – 8.60% p.a. (Senior citizens get extra yield)

Tax Status:Taxable as per individual income tax slab

SECTION 54EC • SAVE UP TO ₹10L+ TAX

Capital Gains Tax-Exemption Bonds

Essential for anyone who recently sold land, a house, or commercial real estate and wants a 100% legally secure route to avoid paying 20% LTCG tax.

Issuer:REC, PFC, NHAI & IRFC (Govt Undertakings)

Tenure:5 Years mandatory lock-in

Indicative Yield:5.25% p.a. fixed coupon

Tax Status:Saves up to ₹50 Lakh long-term capital gains tax on property sale

Yield & Safety Comparison

Fixed Income Options at a Glance

Instrument	Credit / Sovereign Safety	Yield / Coupon	Lock-in / Tenure	Primary Investor Goal
Sovereign Gold Bonds (SGB)	Sovereign (Government of India)	2.5% p.a. + Gold Appreciation	8 Years (Exit Yr 5)	Tax-free gold holding & steady cash flow
AAA Corporate FDs	CRISIL AAA / ICRA AAA Rated	7.80% – 8.60% p.a.	12 to 60 Months	Retirees needing monthly / quarterly income
54EC Capital Gain Bonds	Govt Undertakings (REC/NHAI)	5.25% p.a.	5 Years mandatory	Property sellers saving 20% LTCG tax

Mandatory Non-Custodial Disclosure (Fixed Income)

Sarkar Capital does not pool, deposit, or hold investor funds under any circumstances. Fixed Deposit cheques, RTGS, or online payments are drawn strictly in favor of the respective regulated issuing financial institution (e.g., Bajaj Finance Ltd, Mahindra & Mahindra Financial Services, or RBI). Fixed deposit certificates and bond allotment confirmations are dispatched directly by the issuer to the investor's registered address.

Lock In Current High Yields

Want to Review Current Corporate FD & SGB Tranches?

Speak with our fixed income desk to compare active interest rates across AAA issuers and map out your capital preservation ladder.

Inquire Fixed Income Desk