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Category: Fixed Income

This is the archive of all our articles related to fixed income investment options

PPF or ELSS Mutual Funds: Which would give me more returns?

Published on September 8, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

When a young earner enters the taxable income slab for the first time, their immediate concern is to save tax. A common question that then arises is, “should I invest in PPF or ELSS mutual funds for saving tax? Which would give me better returns?” A discussion on when to consider what and how to…

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RBI Floating Rate Savings Bonds 2020: Should you buy?

Published on June 27, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

The RBI 7.75% bonds (2018) have been replaced by RBI Floating Rate Savings Bonds 2020 according to a Finance Ministry announcement. We look at its features and discuss who should buy it and when.

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Ten lesser-known facts about PPF accounts!

Published on June 17, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 6 Comments

Here are ten lesser-known facts about PPF accounts concerning maturity, premature closure and nomination.

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Bank Perpetual Bonds: What you need to know before buying

Published on June 9, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 3 Comments

Several banks offer high-yielding perpetual bonds. In this article, we discuss the basics of a perpetual bond and what investors need to know before buying them.

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RBI 7.75% Bonds no longer available: Where to invest now?

Published on May 27, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 1 Comment

The RBI has announced the cessation of its 7.75 per cent Savings (Taxable) Bonds, 2018 with effect from the end of business day, May 28th 2020.  Where should one invest now?

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Tax-free bond vs RBI 7.75% bonds: Which is better?

Published on May 27, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 4 Comments

A comparison between tax-free bonds that are available in the secondary market and RBI 7.75% bonds that can be obtained in the primary market. Which is better and how demand for tax-free bonds have quickly made them less attractive.

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PM Vaya Vandana Yojana (2020) is now open: Key Features

Published on May 26, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 9 Comments

These are the key features of the Pradhan Mantri Vaya Vandana Yojana (Modified- 2020) Scheme that launches today, May 26th 2020.

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PPF suffers fourth biggest Interest rate fall in its history!

Published on April 1, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 3 Comments

The 0.8% drop in PPF interest rate for April-June 2020 is the fourth biggest drop in its history! A study of historical PPF rates.

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Worried about 7.1% PPF interest rate? It is higher than what it should be!

Published on March 31, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 3 Comments

The big drop in PPF and SSY interest rates (among others) is a hard pill to swallow but here is why they are higher than they should be!

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How an EPF corpus increased 5500 times over 30 years of employment!

Published on January 12, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 1 Comment

A EPF corpus valued at Rs. 1300 in the financial year 1983-84 grew to an astounding Rs. 71.9 lakh in 2014-15. Power of compounding at its best. Here is what we can learn from it.

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Govt Updates Scheme Year of All Small Savings Instruments to 2019

Published on December 16, 2019 / By M. Pattabiraman Twitter: @pattufreefincal

The Ministry of finance in a gazette notification dated 12th Dec 2019 has updated the scheme year of all small savings instrument rules to 2019. A look at what has changed and what has not.

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Delay in EPF interest payment: Is there a loss to subscribers?

Published on December 13, 2019 / By M. Pattabiraman Twitter: @pattufreefincal / 13 Comments

Will the delay in EPF interest payment for 2018-2019 result in a loss to subscribers? Will it affect compounding? We show that it does with some simple examples.

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Two Crores in hand or one lakh a month pension for life Which is better?

Published on October 28, 2019 / By M. Pattabiraman Twitter: @pattufreefincal / 8 Comments

Arjun had to choose between a two crore lump sum payout and a one lakh a month pension for life. What factors between the choices should he consider before deciding?

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All you need to know about the India Post Mobile Banking App

Published on October 23, 2019 / By M. Pattabiraman Twitter: @pattufreefincal

India Post Mobile Banking App has been launched by the Department of Posts for Post Office Saving bank account users. Here is everything that you need to know about this app: its features, benefits and limitations

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IPPB App Review: How to set up; Features, benefits & limitations

Published on March 26, 2019 / By M. Pattabiraman Twitter: @pattufreefincal

This a review and user guide of IPPB App or the India Post Payments Bank Mobile Banking App. How to set it up, features, benefits and limitations authored by Pratik Jain. India Post has long remained an offline bastion of the small saver. However, it has failed to keep up with internet penetration in the…

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