Fixed Deposits & Bonds - Sushil Finance
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Consistent
Fixed-income instruments provide relative safety of principal & a predictable rate of return (yield). If your risk tolerance level is low, fixed-income investments might suit your investment needs better. Here are a few efficient fixed income investment solutions:

Floating Rate Savings Bond 2020 (FRSB) By Govt. of India [RBI]
The Government of India has launched Floating Rate Savings Bonds, 2020 (Taxable)
with effect from July 1, 2020. (View Report)
Minimum Investment Amt. Rs.1,000 (Face Value) & in multiples thereafter
Tenure & Maturity Period 7 years from the date of issue. Special provision for premature redemption for Senior Citizens.*
Rate of Interest (ROI) Interest on the bonds is payable semi-annually on 1st Jan and 1st July every year.
Coupon on 1st July, 2022 shall be paid at 8.05%
The Interest rate for next half-year will be reset every six months, the first reset being on January 01, 2021.
Non-Cumulative
Tax Treatment Tax will be deducted at source while interest is paid.
If an exemption under the relevant provisions of the Income Tax Act,1961 is obtained, it may be declared in the Application Form.
Base Rate The coupon rate will be linked/pegged with prevailing National Saving Certificate (NSC) rate with a spread of (+) 35 bps over the respective NSC rate.
Mode of Issue & Holding Electronic form held in the Bond Ledger Account. (Non Demat)
Eligibility An Indian Citizen
A Hindu Undivided Family (HUF)
On behalf of Minor as Father/Mother/legal Guardian
NRIs are not eligible
Date of Issue of bonds Date of realization of the funds/ Chq/ Draft
Tradability/Advances Not tradable in the secondary market and not eligible as collateral for loans from banks, Financial Institutions and Non-Banking Financial Company (NBFC) etc.
Cheque in Favour of HDFC Bank- RBI Floating rate Savings Bond 2020

Forms

Section 54 EC - Capital Gain Bonds
Capital Gains Bonds are instruments which offer tax exemption for transferring gains of long term capital assets under Section 54EC of the Income Tax Act, 1961.The Investment in these Bonds is to be made within six months from the date of such transfer of capital assets (Land/House Property etc.) for being exempted from Capital Gains Tax.
Features RECL (Rural Electrification
corporation Ltd)
PFC IRFC
Coupon/Interest rate/Yield 5.25% 5.25% 5.25%
Taxability of Returns Taxable Taxable Taxable
Tax Benefit under Section SEC 54 EC SEC 54 EC SEC 54 EC
Minimum (Rs.) 20,000 (2 bonds of ₹ 10,000 each) and then in multiple of Rs. 10,000/- (1 bond) thereafter 20,000 (2 bonds of ₹ 10,000 each) and then in multiple of Rs. 10,000/- (1 bond) thereafter 20,000 (2 bonds of ₹ 10,000 each) and then in multiple of Rs. 10,000/- (1 bond) thereafter
Maximum (Rs.) 50 Lacs (500 bonds of ₹ 10,000 each) 50 Lacs (500 bonds of ₹ 10,000 each) 50 Lacs (500 bonds of ₹ 10,000 each)
Tenure 5 Years 5 Years 5 Years
Mode of Interest Annual Annual Annual
Link To Forms Download Download Download
  Issue Highlights Notice Issue Highlights Notice Issue Highlights Notice

Provisions of Section 54EC
bulleticon As per provisions of Income Tax Act, 1961, any long term capital gains arising from transfer of any capital asset would be exempt from tax under section 54EC of the Act if:
bulleticon The entire capital gain realized is invested within 6 months of the date of transfer in eligible bond.
Such investment is held for 5 years.
bulleticon To avail of capital gain exemption, the bonds so acquired cannot be transferred or converted into money or any loan or advance can be taken on security of such bond within 5 years from date of acquisition else, the benefit would be withdrawn.
bulleticon If the amount invested in bonds is less than the capital gains realized, only proportionate capital gains would be exempt from tax.
Company Fixed Deposits
We offer a range of Corporate Fixed Deposits of varying tenures, interest rates & institutions to suit your investment needs. The deposit schemes have been specially chosen from high-safety options to ensure that you enjoy the twin benefits of returns and protection.
Overview
Corporate Fixed Deposits or Company Fixed Deposits are fixed income based investment instruments issued by corporates. These instruments offer higher interest rates compared to Bank FDs.

Key Benefits:
bulleticon Higher Returns: Some corporates can give you higher returns for your investments with adequate safety
bulleticon Duration: Invest your money in fixed deposits ranging from 1 year to 5 years
bulleticon Investment Amount: With amounts ranging from Rs.5,000/-, it offers a wide range of investment opportunities
bulleticon Senior Citizens: Attractive Rates of Interest will be given to senior citizens.
bulleticon Other Benefits: Prematurity clause is available, Loan Facility Available, No TDS in case the interest earned is limited Rs.5000/- in one financial year.

Why Sushil Finance?
We offer superior service, well researched companies. We make sure we only empanel with companies which have good quality management and strong financial profile, so that customer’s money is not at risk.



Forms Download
Sr No. Company Name Downloads
1 BAJAJ FINANCE - INDIVIDUAL FORM PDF Icon
2 BAJAJ FINANCE  FORM - HUF DECLARATION  PDF Icon
3 Form 15G PDF Icon
4 Form 15H PDF Icon
5 SHRIRAM FINANCE LIMITED FD FORM PDF Icon
6 MAHINDRA FINANCE FD FORM - INDIVIDUAL  PDF Icon


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Established in 1982 by Mr. Sushil N. Shah as a proprietary concern, SUSHIL FINANCE, over a period of time, has emerged as one of India’s leading Financial Services.... Read More
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Registered Office : Sushil Financial Services Private Limited., 12, Homji Street Fort Mumbai-400 001 • Tel. No. +91-22-40936000Fax No. +91-22-22665758Email: info@sushilfinance.com

KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary. Receive alerts on your Registered Mobile number for all debit and other important transactions in your demat account directly from CDSL on the same day. Prevent unauthorised transactions in your account Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day.

Sushil Financial Services Private Limited - CIN No. U67120MH1991PTC063438- Member : BSE/ NSE. SEBI Registration No. - INZ000165135.. Depository Participant (CDSL) SEBI Registration No.- IN-DP-504-2020. Research Analyst SEBI Registration No.- INH000000867. BSE Enlistment no for RA : 5051. IPO Distributor. AMFI Registered Mutual Fund Distributor ARN No. 77875 Registered Since : 04-Jan-2010 Valid till : 03-Jan-2027

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Disclaimer :
For Research Analyst: Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Investments in securities market are subject to market risk, read all the related documents carefully before investing.

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