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Debt Advisory Services

Here at Karvy Private Wealth, we offer comprehensive solutions in the fixed income segment. We suggest debt investment options of various tenures and risk-reward profiles suitable to your portfolio.
DEBT MUTUAL FUNDS
· Gilt Funds: Gilt Funds invest in government securities of medium to long-term maturities. There is no risk of default and liquidity is considerably higher in case of government securities.
· Income Funds: Income funds are total return products, which means, the return is made up of both interest income and capital appreciation or depreciation, depending upon profits or losses. The value of bond held in a long term portfolio, changes with changes in interest rates.
· Monthly Income Plans: Monthly Income Plans are debt oriented hybrid funds which has around 70%-85% of the portfolio in debt and rest in equity
· Liquid Funds: Liquid funds invest in safer short-term instruments such as Treasury Bills, Certificates of Deposit and Commercial Papers for a period of less than 91 days. The aim of Liquid Funds is to provide easy liquidity, preservation of capital and moderate income.
· Fixed Maturity Plans: Fixed maturity plans (FMPs) are closed-end funds that invest in debt securities with maturities that match the term of the scheme. The debt securities are redeemed on maturity and paid to investors. FMPs are issued for various maturity periods ranging from 3 months to 5 years.

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