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FD, RD & iWish
General
(390 days - 2 yrs)
7.00% Apply Now
Senior Citizens
(390 days - 2 yrs)
7.50% Apply Now
 
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Home Loan
(Upto 30 lacs)
9.00*% Apply Now
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(Upto 20 lacs)
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Tools and Calculators

    Regular Income Bond

    Monthly Income Plan : Earn 10.40%*p.a. payable monthly for 5 years (Option I)

    Or

    Earn 11.00%* p.a. for 5 years (Option III)

    Choose any/all of the following options:

     

    OptionIIIIII
    Issue Price/Face Value (Rs.) 5,000/- 5,000/- 5,000/-
    Minimum Application 3 Bonds 2 Bonds 1 Bond
    Redemption Period 5 years 5 years 5 years
    Interest* (%) (p.a.) 10.40 10.70 11.00
    Interest Payable Monthly Half-Yearly Annually
    Yield to Investor (%)*# 10.9 11.0 11.0

     

    * Subject to TDS as per the then prevailing tax laws.

    # Rounded off to nearest multiple of 0.1

     

    Money Multiplier Bond

    Rs. 5,000/- becomes Rs. 15,000* in 10 years 6 months

     

    Issue Price(Rs.) 5,000/-
    Redemption Period 10 years 6 months
    Face Value (Rs.) 15,000/-
    Minimum Application 1 Bond
    Yield to Investor (%)*# 11.0

     

    * Subject to TDS as per the then prevailing tax laws.

    # Rounded off to nearest multiple of 0.1

    • Regular Income Bond and Money Multiplier Bond - Preference in allotment, up to 70 percent of the Issue size after allotment of Tax Saving Bond, for applications for up to a total of 50 Bonds (not including Tax Saving Bond) by Individuals,Minors and Kartas of HUFs.
    • Regular Income Bond and Money Multiplier Bond - Preference in allotment, up to 67 percent of the balance of the Issue size, after allotment of Tax Saving Bond and preferential allotment as above, for applications by private/public/religious/charitable trusts and any other investors requiring approved security status for making investments.

     

    Tax Saving Bond

    Save Capital Gains Tax u/s 54EA with Monthly Income of 9.50%** p.a. (Option I)

    Or

    Save Capital Gains Tax u/s 54EA and Earn 10.00%** p.a. (Option II)

    Choose any/all of the following options :

     

    OptionIIIIII
    Tax Benefit under Section 54EA 54EA 54EA
    Issue Price (Rs.) 5,000/- 5,000/- 5,000/-
    Face Value (Rs.) 5,000/- 5,000/- 6,825/-
    Redemption Period 3 years 3 years 3 years
    3 months
    Interest (%)** (p.a.) 9.50 10.00 DDB@
    (YTM 10.0%)
    Interest Payable Monthly Annually DDB@
    Minimum Application 3 Bonds 1 Bond 1 Bond
    Yield to Investor (%)**>#
    (Including Tax Benefits)
    20* 40* 60* 80* 20* 40* 60* 80* 20* 40* 60* 80*
    11.9 14.1 16.4 18.9 11.9 14.0 16.2 18.5 11.7 13.4 15.2 17.2

     

    @ Tax Saving Bond-Option III is in the nature of Deep Discount Bond (DDB), hence no periodic interest is payable.

    * Percentage of Capital Gains in amount invested (assuming the amount invested is equal to net consideration realised on the sale of the long-term capital asset).

    ** Subject to TDS as per the then prevailing tax laws.

    > It has been assumed that tax on capital gains is 20%. Further, it has been assumed that a surcharge of 15% of tax is payable in case of all ptions.

    # Rounded off to nearest multiple of 0.1