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HOW TO BUY |
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Since the secondary market for fixed-income instruments is not yet developed in India, we discuss below only the primary market options available for retail investors. |
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Company bonds/debentures |
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Companies issue bonds and debentures through public issues that are open only for a limited period of time. Application forms for these issues are available with primary market brokers. |
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Company fixed deposits |
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Fixed deposit schemes from companies are typically open round the year, unless they have exceeded their collection limits. Even in such cases, companies accept renewal from existing fixed deposit holders. |
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Government schemes |
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You can invest in RBI bonds directly through the Reserve Bank of India or through a broker. Investments in other government schemes can normally be made through nationalised banks and post offices. |
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Fixed income mutual funds |
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Fixed-income and money market mutual funds offer investors an exposure to fixed-income instruments. Open-ended mutual funds are available round the year and can be easily purchased/ sold on any business day. |
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Most Asset Management Companies (AMCs) have service centres/ authorised agents/ brokers across the country through whom you can invest in mutual funds. |
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