At Finaventure, we provide expert guidance on National Pension System (NPS) and RBI Taxable Bonds - two of India's most secure investment options that combine safety, tax benefits, and steady returns. These government-backed instruments form the foundation of a stable financial portfolio.
Understanding NPS & RBI Bonds
A voluntary, long-term retirement savings scheme regulated by PFRDA that offers market-linked returns with additional tax benefits. It provides flexibility in choosing asset allocation (Equity, Corporate Bonds, Government Securities, Alternative Investments) and pension fund managers.
Sovereign guaranteed bonds issued by Reserve Bank of India offering fixed interest of 7.75% per annum (payable semi-annually). These bonds have a 7-year lock-in period and are ideal for conservative investors seeking stable returns above traditional fixed deposits.
Why Choose Finaventure?
Maximize your Section 80C, 80CCD(1B), and other deductions with our expert advice
Guidance on optimal allocation between tax-saving Tier I and flexible Tier II accounts
End-to-end support for RBI Bond applications through authorized banks
Regular reviews of your NPS asset allocation based on market conditions
Optimal exit planning for NPS (40% annuity, 60% lump sum tax-free)
Additional ₹50,000 deduction under Section 80CCD(1B) over ₹1.5L 80C limit. Employer contribution up to 10% of salary (14% for corporates) exempt from tax
No TDS deduction, sovereign guarantee, higher interest than bank FDs (7.75% vs 6-7%), ideal for senior citizens and conservative investors
Choose between Active (self-managed) or Auto (lifecycle) modes. Switch between equity (max 75%), corporate bonds, government securities, and alternative assets
Build Retirement Corpus with Confidence
Whether you're starting your retirement planning or looking for safe fixed-income options, our experts will guide you in choosing the right mix of NPS and RBI Bonds based on your age, risk profile, and financial goals.
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