Tax Free Bonds

Tax Free Bonds are debt instruments issued by Public Sector Undertakings (PSUs) in which the coupon payable is tax free in the hands of the investor. These bonds have a longer maturity (typically 10, 15 and 20 years) and are considered to have the highest safety regarding timely servicing of financial obligations.

Few Of the PSUs are National Highways Authority of India ( NHAI ) , The Indian Railway Finance Corporation ( IRFC ) , The Housing and Urban Development Corporation ( HUDCO ) ,NTPC , Rural Electrification Corporation ( REC) offer TAX FREE Bonds from time to time.

Benefits of Investing in TAX FREE Bonds

  • Interest Income from this bond is tax free U/S 10(15)(iv)(h) of the Income Tax Act, 1961
  • These bonds are Secured and are mostly AAA/AA rated. Fully Exempted from Income Tax
  • Attractive Interest Rates
  • Safety of returns, since companies have a better credit rating
  • Listing of bonds on exchanges provides liquidity
  • Option of holding bonds in "Demat Form" makes your investments easy to handle & monitor
  • Ratings by agencies like CARE, FITCH, CRISIL, ICRA enables you to assess the quality of instruments

Who can Invest?

  • Retail Individual Investors
  • High Net Worth Individuals
  • Corporates/Trusts
  • Qualified Institutional Investors

Capital Gain Bonds

Under Section 54 EC of Income Tax, 1961 an investor need not pay any tax on any long-term capital gains arising on sale of any asset, if the amounts of capital gains are invested in certain specified bonds. Rural Electrification Corporation Limited (REC) & National Highways Authority of India (NHAI) are permitted to issue capital gains bonds under Section 54 EC.

Some key features of Section 54 EC bonds are:

  • AAA rated
  • Interest is taxable although no TDS is deducted
  • Lock-in of 3 years and non- transferable
  • Minimum investment-1 Bond amounting to Rs.10,000/- and maximum investment-500 Bonds amounting to Rs. 50 lakhs in a financial year
  • Rate of Interest 6.00% p.a. payable annually
  • Bonds can be held in Demat /Physical Form
  • Facility of Payment of Interest and Redemption through NECS
  • The Bonds will automatically redeem after expiry of three years

Current capital gain bonds where you can invest are: Rural Electrification Corp Bonds / National Highway Authority of India Bonds

Coupon: 6.00% ROI

Ratings: AAA

Tax Benefit: Under Section 54 EC

Tenure: 3 yrs

Mode Of Interest: Annual

Demat/Equity/Commodity/Currency Trading Account

TRP  offers  Online Equity, Commodity and Derivatives and currency  trading facilities to our customers for easy, user friendly and hassle free investment and trading in various markets. The online trading system provides you with all the trading information you would require at any point of time, enabling you to take informed investment decisions. You can trade offline where you can place your orders in equity, derivatives and commodities currency. Also Online Facility is available  at a click of a button and get access to improved live market watch functionalities .

We provide this facility thru our  Trading Partners : India Info Line Ltd and Tradeswift Broking Pvt Ltd. And help you trade seamlessly Offline and Online also with Mobile platform.

Foreign Currency & Travel card

The flight is booked, the capsule wardrobe packed and you have worked out the fastest way to the airport. There is just one more thing to sort out: your holiday cash/travel card. Getting the best deal can mean spending less on commission and charges and more on holiday treats. When buying currency, remember that commission-free does not necessarily equate to the best deal, as fees are likely to have been loaded into the rate. Also, be wary of flat fees and minimum charges: the latter make it more expensive to change small amounts of money, while the former can offer good value if you are changing larger sums of money so here we at TRP guide to get the best deal for arranging your foreign currency/travel card out of the local foreign money changers/banks.

Initial Public Offering (IPOs)

There are many benefits of investing in IPOs but the most significant advantages of IPOs are listed here. For every companies share there is a certain fair value or the right price at the time it is deciding to go public while issuing the shares to public, the company generally gives some discount on the fair value. So that is the first motivation for you as a retail client to apply for an IPO because you are going to get the product cheaper. The second point is that in India we have many growing sectors & existing businesses   (FPOs, Bid Offers)  and some are still at initial stage or still virgins,(MSME and SME ) so buying the shares of such companies thru IPOs gives an opportunity to an investor associate with a company from the beginning.

Our advisors bring you an in-depth research paper on IPO, rating on the IPO to help you pick the right one. We at TRP offers our clients the facility to subscribe to IPOs through our partners online/offline platforms. We also offer IPOs thru ASBA facility.

Corporate/Company Fixed Deposits

Fixed deposits are one of favorite investment options, as they give investors the assurance of fixed returns, When most people think about fixed deposits, the first thing that comes to the mind is approaching a bank to open a fixed deposit. However, that is not the only place where you can open fixed deposits. Many finance houses also offer investors the facility to open fixed deposits that offer interest rates that can be higher than what most banks offer.

 Benefits of a company fixed deposit

  • Higher rate of Interest than bank FDs.
  • Credit ratings indicating the quality of the deposit.
  • Interest earned through these deposits can be credited directly to an account or taken via a cheque on a monthly, quarterly, half-yearly or annual basis.

 At TRP, we offer corporate fixed deposits from leading corporate houses. FD offerings are verified by us before making it available for investment.

Public Provident Fund

PPF account refers to Public Provident Fund  Its  a Long Term Debt Scheme of the Govt. of  India A  regular interest is paid. Any individual in India (Whether Salaried or Self –Employed or any other Category) can invest in this scheme. He can earn a  tax-free return on the PPF Investment.

Non Resident Indians (NRI”s) are not allowed to invest in PPF. However, if Someone Opens a PPF while he is a Resident of India but Subsequently becomes an NRI , he Shall be allowed to Continue investing in this account.

PPF Account can be Opened  on behalf of a minor either  by father  or mother , but both cannot open this type of account on behalf of a minor . Grand Parents cannot open PPF account on behalf of a Minor .

Public Provident Fund Salient Features:

Investment Amount – The maximum amount an individual can invest in PPF is limited to Rs 150,000 per year.

Interest Rates – The interest rate on PPFs is fixed by the Government and only the government can change this rate. The current interest rate on PPFs stands at 8.7% per annum.

Tax Deduction – Individuals can claim a tax deduction under Section 80C of the Income Tax Act.

Maturity or Lock in Period –Public Provident Funds come with a maturity period of 15 years, an extremely long time period indeed.

Premature Withdrawals – Premature withdrawal facility is available in case of PPFs, but only after the 5th year and subject to a limited extent only.

Loans –Loans can be obtained against PPF from the third year onwards.

National Pension Scheme

Pension plans provide financial security and stability during old age when people do not have a regular source of income. Pension scheme gives an opportunity to invest and accumulate savings and get lump sum amount as regular income through annuity plan on retirement. To provide social security to more citizens the Government of India has started the National Pension System.

NPS offers following important features to help subscriber save for retirement:

The subscriber will be allotted a unique Permanent Retirement Account Number (PRAN). This unique account number will remain the same for the rest of subscribers life. This unique PRAN can be used from any location in India.  This is a non-withdrawable account meant for savings for retirement. This is simply a voluntary savings facility. The subscriber is free to withdraw savings from this account whenever subscriber wishes.

Who can Join NPS: Central Government Employees, State Government Employees, Corporate, Individual.

Pension Fund Regulatory and Development Authority (PFRDA): It is an autonomous body set up by the Government of India to develop and regulate the pension market in India under which this Scheme is being run.

Banking Queries/Resolution

Do you feel sometimes that you have been misguided or mis-sold by the bank.

Are you facing problems in your day to day banking operations. If Yes,

Our team having a banking experience of more than 10 Years will help you guide and understand your problem, suggest options , guide to resolve the banking issue, and advise on the matter.

Just write to us, we will advise you with a proper resolution

Real Estate Consultancy and Advisory Services

Right Partners Buildcon Pvt Ltd.,is a constituent of the The Right Partners Group, We offer the complete range of services related to purchase/sale/leasing/Turnkey Project of residential and commercial properties in Jaipur. We provide an Honest, Ethical Courteous, Independent Unbiased Advice.

We work with you to identify exactly what your needs are and how these can successfully be delivered. We tailor our service to match your specific requirements and will present you with a project plan that will work best for you.

Our services include traditional brokerage and management functions. Also included in the list of services offered are some non-traditional services such as feasibility analysis, taxation and allied services, and general consulting.

We have the Team to work in sync with the other real estate intermediaries such as architects, structural engineers, contractors, lawyers, and planners who are experts in their field and help us to accomplish most real estate related tasks.

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