debt market
Mutual funds & ETFs
Vidya Bala

Debt lessons that you may not have learnt yet

If the recent events in the debt space brought to light the liquidity risk arising from lower rated papers, you probably haven’t seen the unfolding of various kinds of risk since September 2018. In 2013, when duration became a risk on the back of rate hikes, money flowed copiously to credit risk over the next 5 years. Now, the cycle has turned. Money is moving to duration from credit risk.

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wecare deposit
Bonds & Deposits
Aarati Krishnan

Prime Review: Should seniors invest in the SBI WeCare deposit?

With interest rates on debt options falling steeply in the past year, retirees, pensioners and those seeking to supplement their income with fixed deposit schemes have seen a sharp dip in their cash flows. In this context, it is good to see India’s largest bank – State Bank of India (SBI) – coming up with a special deposit scheme for senior citizens while revising its fixed deposit rates recently.

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deposits and bonds
Bonds & Deposits
Aarati Krishnan

Prime Views: Are your deposit and bond investments at risk next?

With returns failing to match risks and RBI relief measures complicating life for lenders, the next six months promise to be a minefield for debt investors. Here’s how you can navigate this

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high rate deposit
Bonds & Deposits
Aarati Krishnan

Prime Recommendation: Lock into these rates before they are cut

Given rate adjustments by other banks and NBFCs recently, a significant rate cut may soon be in the offing in this deposit as well. Investors and seniors looking for deposit options should lock into this FD before rates are revised.

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prime deposits
Bonds & Deposits
Aarati Krishnan

Quarterly review: What’s changing in Prime Deposits

These are extraordinary times for fixed income investors. Interest rates, after recent rate cuts by the MPC, are ruling at lows not seen in the last two decades. The repo rate of 4.4% today is even below levels seen during the global financial crisis. Keeping all this in mind, we have made significant changes to our curated list of deposits. Here are the three key sets of changes to the list and why we made them.

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debt options
Bonds & Deposits
Aarati Krishnan

Five high-rate debt options to lock into

Desperate times call for desperate measures. Therefore, Indian fixed income investors may need to brace for a further plunge in interest rates in the coming months. • With rates cuts likely, lock into the options mentioned here, before March 31, 2020.

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AT1 bonds
Bonds & Deposits
Aarati Krishnan

What they didn’t tell you about AT1 bonds (perpetual bonds)

RBI’s rescue package for Yes Bank, which will see SBI infusing capital into the bank to pick up 49 % of its equity, offers a breather to its depositors and shareholders. But one class of stakeholders who are set to take a comprehensive haircut valued at Rs 10,800 crore despite the bailout, are the holders of Additional Tier 1 (AT1) bonds in the bank.

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Higher interest
Bonds & Deposits
Aarati Krishnan

Can you get high returns with a government guarantee? You can, with this debt instrument.

Debt investors looking for a safe parking ground for their long-term money are facing a drought of good options today. Under the circumstances, there is one less-known option that offers the combination of higher-than-market interest rates with complete safety of principal.

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Risk vs Rewards in Bonds
Bonds & Deposits
Aarati Krishnan

Should you buy L&T Finance NCDs? Which option?

L&T Finance, a non-deposit-taking NBFC, is seeking to raise Rs 1,500 crore from a public issue of Non-Convertible Debentures that is open from December 16 to December 30, 2019. Should you buy? If so, which option can you consider?

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