Financial Planning | srei
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Investment in Srei Bonds for more than a year, will help you get 10% LTCG benefit.

What Benefit do I get by investing in Srei Bonds?

Since the Government of India has increased the period of availing Long Term Capital Gain Tax benefit from one year to three years, non-convertible debentures have become a lucrative investment option. An investor can’t avail long term capital gain benefit from debt mutual funds unless the units are held for at least three years. Also in accordance with the new propositions made by the Finance Minister the option of paying LTCG of 10.3% (without indexation) is not applicable anymore; meaning that these will now be taxed @ 20.6% with indexation. From July 10, 2014 onwards, the long‐term capital gain is taxed at 20.6% with indexation for the units of the debt mutual funds kept at least three years.

This has made NCDs a rewarding financial product as investing in listed NCDs will retain the benefits of long-term capital gains when sold after a year. This makes listed NCDs that are sold after a year long‐term capital assets unlike 3 years in case of debt Mutual Fund. The gains are taxed at the rate of 10.3% (the indexation benefit is not available for bonds and debentures). So, NCDs score over debt mutual funds (growth option) and Bank Fixed Deposits for the investments kept for the period. Investors with highest tax bracket (30%) get more tax benefit from NCDs than Debt Mutual Fund and Fixed Deposits for the time horizon of the investment for the period between one and three years.

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Srei Infrastructure Finance Limited, a Public Financial Institution (PFI) contributes to infrastructure growth

The Ministry of Corporate Affairs, through its notification dated September 26, 2011, published in the Official Gazette of India notified Srei, as a Public Financial Institution under Section 4A of the Act.

What is a PFI?
Public financial institutions (PFI) are an important part of the financial landscape around the world. Public financial institutions are commonly associated with developing countries and enjoy certain benefits and advantages under the Companies Act, 1956, Recovery of Debts due to Banks and FIs Act, 1993, Income Tax Act etc.

Why Invest in a PFI?
The foremost advantage that accrues to the PFIs is that the bonds issued and certain other liabilities of PFIs are treated as eligible investments for insurance companies, Provident Funds (PFs), Mutual Funds (MFs) and RNBCs. According to RBI, any financial institution that has been conferred upon the status of Public Financial Institution is considered to be safe for investments.
When you invest in NCDs from Srei, you enjoy the security of investing with a company that has been awarded the prestigious status of a Public Financial Institution.

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Non-Convertible Debentures (NCDs)

Whether you are an individual or an institution and seeking secured income by parking your money for a long period, then NCDs could be a good investment option

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