Safe Returns.
Capital Protected.
Fixed Deposits and Bonds for investors who value certainty over speculation. From 54EC capital gains bonds to AAA-rated corporate FDs.
Capital Protection
Principal is secure — no market risk
Predictable Returns
Know exactly what you earn upfront
Tax Advantages
54EC bonds exempt capital gains tax
AAA Rated Only
Finadore curates only top-rated issuers
Curated Fixed Income Options
54EC Capital Gains Bonds
NHAI / REC / PFC
Interest Rate
5.25%
Tenure
5 Years
Min Investment
₹10,000
Tax Benefit
Capital Gains Tax Exemption
RBI Floating Rate Bonds
Reserve Bank of India
Interest Rate
8.05%*
Tenure
7 Years
Min Investment
₹1,000
Tax Benefit
Taxable
Corporate FDs
Multiple AAA-rated Companies
Interest Rate
7.5% – 8.05%
Tenure
1 – 5 Years
Min Investment
₹5,000
Tax Benefit
Taxable (TDS applicable)
*Returns are indicative. Interest rates are subject to change. Finadore is an AMFI Registered Distributor (ARN-300809).
Save Up to ₹50 Lakh in Capital Gains Tax
If you've sold property or land, 54EC bonds are one of the most powerful tax-saving tools available to you under the Income Tax Act.
How 54EC Bonds Work — Step by Step
Sell Your Property or Land
When you sell a property or land held for more than 2 years, the profit (Long-Term Capital Gain) is taxable at 20% with indexation.
Invest in 54EC Bonds Within 6 Months
Invest the capital gains amount (up to ₹50 Lakh per financial year) into NHAI, REC or PFC bonds within 6 months of the sale date.
Your Capital Gains Tax is Completely Exempt
The invested amount is fully exempt from Long-Term Capital Gains tax under Section 54EC of the Income Tax Act. Zero tax on that amount.
Hold for 5 Years — Earn 5.25% Interest
The bonds have a mandatory 5-year lock-in. You earn 5.25% annual interest, which is taxable. At the end of 5 years, the principal is returned.
Who Should Invest?
Important Conditions
Product Comparison at a Glance
| Feature | 54EC Bonds | RBI Bonds | Corporate FDs |
|---|---|---|---|
| Interest Rate | 5.25% | 8.05%* | 7.5% – 8.05% |
| Tenure | 5 Years | 7 Years | 1 – 5 Years |
| Tax on Interest | Capital Gains Exempt | Taxable | Taxable (TDS) |
| Min Investment | ₹10,000 | ₹1,000 | ₹5,000 |
| Max Investment | ₹50 Lakh | No Limit | No Limit |
| Premature Exit | Not Allowed | Not Allowed | Allowed (penalty) |
| Issuer Risk | Government (AAA) | Government (Sovereign) | CRISIL/ICRA AAA |
| Best For | Property sellers | Safe + good return | Higher yield + monthly income |
*RBI Floating Rate Bond rate resets every 6 months. Current rate as of 2025. Finadore is an AMFI Registered Distributor (ARN-300809).
Start Earning Fixed, Stable Returns
Let our team find the best FD or Bond option for your financial situation and tax bracket.
Ideal for investors who: