You have worked all your life…

Now Let your Money Work for you…

Odoo CMS - a big picture

Your Website Title

And a great subtitle too


  • Pradhan Manti Vaya Vandana Yojna

  • Post Office – Senior Citizen Savings Schemes

  • Corporate Fixed Deposits Bonds and NCDs

  • Mutual Funds – Debt and Equity

  • Many More…


Pradhan Mantri Vaya Vandana Yojana

Mode of Pension Minimum Investment Amount Minimum Pension Maximum Investment Amount Maximum Pension
Monthly 1,62,162 1,000 15,00,000 9,250
Quarterly 1,61,074 3,000 14,89,933 27,750
Half-Yearly 1,59,574 6,000 14,76,064 55,500
Yearly 1,56,658 12,000 14,49,086 1,11,000
  • Pension Policy for Senior Citizens from LIC Of India.

  • Minimum Entry Age - 60 years.

  • Term 10 Years.

  • Assured return of 7.4% p.a.

  • On the death of pensioner within 10 years - Return of Purchase Price to the nominee.

  • On maturity of policy term - Return of Purchase Price to the pensioner.

  • An annuity is taxable as income.

  • Loan Against Policy Available

Post Office – Senior Citizen Savings Schemes

  • Current Rate of Interest is 7.4% per annum payable quarterly.(Subject to change).

  • Maximum Investment  Rs. 15,00,000/-

  • An individual of the Age of 60 years or more may open the account.

  • An individual of the age of 55 years or more but less than 60 years who has retired on superannuation or under VRS can also open account subject to the condition that the account is opened within one month of receipt of retirement benefits and the amount should not exceed the amount of retirement benefits. Deduction of up to Rs 1.5 lakh can be claimed under Section 80C of the Indian Tax Act, 1961.

  • Maturity period is 5 years but can be extended up to 3 additional years.

  • Premature Withdrawal with deduction available.

Corporate Fixed Deposits

Housing Finance Companies


  • ICICI Home Finance Company Limited - FAAA/STABLE by CRISIL

  • LIC Housing Finance Company Limited - FAAA/STABLE by CRISIL

  • Fixed-Rate of Interest for a tenure of 1 to 10 years.

  • Provide a Better Rate of Return than Bank FDs. The extra interest rate for Senior citizens.

  • Interest Payable Monthly, Quarterly, Half-Yearly, Annually and Cumulative through bank transfer.

  • Liquidity in the form of Premature Withdrawal and Loan Against Deposit.

  • Kindly ask for the latest interest rates.

Floating Rate Savings Bonds, 2020 (Taxable)

  • RBI Bonds, Sovereign guaranteed by Government of India.

  • Available only as ‘Non-Cumulative’.

  • Interest Rate is 7.15% p.a. payable half yearly (Rate to be revised every 6 months).

  • Interest rate will be 0.35% extra over NSC rates.

  • Interest is taxable as Income.

  • Tenure 7 Years.

  • Only resident individuals (singly or jointly) or HUF can invest.

  • The bonds shall be repayable on the expiration of seven years from the date of issue. Premature redemption shall be allowed for specified categories of senior citizens.

  • Interest received from these bonds will taxed as per the income tax slab applicable to your income.

Debt Funds - Categories

  • Accrual/ Credit Risk Funds

  • Corporate Bond funds

  • Liquid Funds

  • Ultra Short Duration Funds

  • Short Term Duration Funds

  • Medium Term Duration Funds

  • GILT/ Long Term Duration Funds

  • Fixed Maturity Plans

  • More.....

Debt Funds

  • Certain debt funds provide exit load free withdrawals upto 10-15% of the corpus, while some have low or no exit periods.

  • SWP from them is suggested to get lucrative and higher Post Tax returns than other debt Instruments available.

    Odoo CMS- Sample image floating
    Odoo CMS- Sample image floating
SWP Calculation Summary
Amount Invested 50,00,000
Monthly SWP for 10 years
Assumed CAGR
Tax Slab for short term gain (Assumed)
Inflation Rate Assumed
Amount Remaining after 10 years
Total Tax
XIRR (Pre Tax)
XIRR (Post Tax)

Contingency Funds

  • Equity Funds in a portfolio not only provide the push in returns over a long duration of time, but they also provide a liquidity for unforeseen emergencies.

  • Also, SIPs in Equity Funds help sail through high and low tides of markets.

7 Reasons to Do SIP

  • Brings In Discipline

  • Rupee Cost Averaging

  • Power Of Compounding

  • Convenience

  • Market Time

  • Achieve Financial Goals

  • Investment Frequently

XIRR Post Taxes

  PMVVY PO-SCSS  Corporate FD  Bank FD Floating Rate Savings Bonds, 2020 (Taxable) Debt Funds
Amount Invested
14,89,933 15,00,000 15,00,000 15,00,000 15,00,000 15,00,000
Quarterly Withdrawal/ Interest
27,750 27,750 26,062 21,562 53,625* 20,000
10 Yrs 5 Yrs 5 Yrs 5 Yrs 7 Yrs 10 Yrs
Total Withdrawal/ Interest
11,10,000 12,90,000 12,64,500 10,50,000 7,50,750 8,00,000
Capital After Tenure
14,89,933 15,00,000 15.00.000 15,00,000 15,00,000 16,41,991
Total Tax Payable
3,46,320 1,73,160 1,62,630 1,34,550 2,34,234 84,456
Net Cash Inflow
7,63,680 3,81,840 3,58,620 2,96,700 5,16,516 8,57,535
Rate Current/ Assumed
7.40% 7.40% 6.95% 5.75% 7.15% 6%
XIRR (Pre Tax)
7.65% 7.60% 7.12% 5.87% 7.27% 6.16%
XIRR (Post Tax)
5.22% 5.18% 4.86% 4.01% 4.97% 5.70%

Highest tax slab considered for calculation (31.2%)

*Half Yearly Interest, GOI Bonds do not offer Quarterly Interest

Rates taken are for Senior Citizens where applicable.

Rates are Subject to change. Please confirm before investing

The SIL Advantage

  • Key mantra passed on by our chairman Late Mr. S K Nanda is “Service before self”.

  • SIL has sprouted as a One Stop Solution for our clients fulfilling their needs for channelizing their surpluses into gainful Investment.

  • We are empanelled distributors to all the major AMCs, Corporate FDs/ NBFCs/ HFC, Institutions, PSUs and Govt Bodies issuing Bonds.

  • Our client list ranges from Retail, HNIs, Super HNIs, Trusts, Defence bodies, Corporates and Institutions.

  • Our dedicated team handles their varied needs, objectives and aspirations.

  • We manage an overall AUM of around Rs. 5000 crore across various asset classes.

  • We have Offices at Multiple Locations with international presence.

It’s Not How Much Money You Make,

But how much you keep,

How hard it works for you,

and how many generations you keep it for.

-Robert Kiyosaki