A bond is a form of Debt Investment, in which an investor lends money to an entity (typically Corporate or Government) which borrows the funds for a fixed period of time at a variable or a Fixed Interest Rate. Bonds are often used by states and sovereign governments, companies to raise money and finance a various kinds of projects. Please find below some Bonds which are available on perpetual basis.

Government of India’s Savings Bonds @ 8% per annum

• The Bonds will be issued for a minimum amount of Rs. 1000/- and in multiples of Rs. 1000/- thereof.
• No maximum limit for investment in Bonds.
• Interest on the Bonds will be taxable under the Income Tax Act, 1961.
• The Bonds will be exempt from Wealth -Tax under the Wealth Tax Act, 1957.
• The Bonds will have a maturity period of 6 Years.


• The Bonds will bear interest at the rate of 8% per annum.


• Interest on non- cumulative bonds will be payable at half - yearly intervals
• Interest on cumulative bonds will be compounded half- yearly & paid on maturity along with the Principal.
• The cumulative value of Rs. 1000/- at the end of six years will be Rs. 1601/-


• These Bonds are not transferable.
• The Bonds are neither tradable and nor pledgeable.
• Nomination Facility available.
• Residential Individuals, HUF, Charitable Institutions, Universities & Minor can invest in these bonds.

54 EC Bonds

• These bonds may be used to save tax on any long term capital gains
• Currently 54EC bonds issued are available from NHAI (National Highways Authority Of India) or REC (Rural Electrification Corporation Ltd) and PFC (Power Finance Corporation )
• This deduction is under Section 54EC of the Income Tax Act.
• The maximum limit for these bonds in any financial year is Rs 50 lakh.
• These bonds have a three year term and the rate of interest is 5.25% per annum.
• These bonds can be held under a single name or joint names or a nomination can be done.
• These bonds can be held in physical form or Demat form.
• Any person including NRI (out of NRO account on a non-repatriable basis) and Hindu undivided family (HUF)-- through its Karta, can make investments in these Bonds.
• Safety and security : AAA rated.

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