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Why Altifi, Altifi – The Fixed Income Investment Platform, Northern Arc Capital’s Role, Explore Our Offerings, How To Get Started, What Our Customers Say, Know More About Altifi, An Array of Fixed Income Investment Options, A User-Friendly Platform for Buying Bonds, Earn Periodic Income from Bonds, Benefits of Debt Securities, FAQs

High-Quality, High-Yield Investments, Backed by Northern Arc Capital, Zero charges, real-time monitoring, fixed returns,Corporate Bonds, Commercial Papers, NCD Public Issues, Sovereign Gold Bonds, Government Securities, Treasury Bills, State Development Loans, Public Sector Bonds, Regular Income, Capital Preservation, Diversification, Liquidity, Predictable Returns, What is Altifi?, What are the unique features of Altifi?, How do fixed-income instruments work?, Is a Demat account necessary to invest in bonds?, What are the various forms of Bonds & Debentures in India?, What are Corporate Bonds?, What are Municipal Bonds?, What are Sovereign Gold Bonds?, What are Zero-Coupon Bonds?, What are Convertible Bonds?, What are Fixed Rate Bonds?, What are Floating Rate Bonds?, What are Inflation-Indexed Bonds?, What are Perpetual Bonds?, What are Tax-Free Bonds?, What are Green Bonds?, Are bonds a safe investment option?, Can NRIs invest in bonds?, Is Altifi regulated by SEBI?, What is the difference between convertible and non-convertible security?, Is KYC mandatory for Bond investments?, What should I consider while investing in fixed income instruments?, What is the minimum amount I need to invest in fixed income assets?, Will TDS be applicable on interest earned from bonds?, What are the KYC documents required to register on Altifi?, How does Altifi keep my data secure?, Is there a commission fee I need to pay to Altifi?, Do I have to link my Demat account to Altifi?, What are the main risks involved in investing in fixed income investments?, How does interest rate risk affect fixed income investments?, What is credit risk in a bond investment?, How does inflation risk impact bond investments?, What is liquidity risk, and why is it important for bond investors?, What is reinvestment risk?, How does call risk affect

Digital Bond Investment Platform Explore a wide range of corporate and government fixed-income investments Why Altifi? High-Quality, High-Yield Investments Backed by Northern Arc Capital, one of India’s leading diversified NBFCs Zero charges for all purchases Mobile-friendly bond buying platform Invest, monitor, and grow your portfolio anytime, anywhere Fixed and periodic returns to beat inflation Altifi – The Fixed Income Investment Platform Altifi, from Northern Arc Securities Private Limited, is a wholly-owned subsidiary of Northern Arc Capital. Altifi is an innovative retail debt platform for fixed-income investments, simplifying and enhancing the bond-buying experience in a digital environment. We offer a diverse range of fixed-income instruments, including corporate bonds, government securities, and commercial papers, all through a user-friendly digital platform. Leveraging advanced technology, we provide real-time market data, expert insights, and seamless transactions, empowering you to diversify your portfolio and explore new investment opportunities. Our commitment is to break down barriers and make bond markets accessible to everyone, enabling you to confidently invest and benefit from the evolving financial landscape. Northern Arc Capital’s role in democratizing the bond-buying platform across key sectors: Northern Arc Capital is one of the leading players among India’s diversified NBFCs in terms of AUM as of March 31, 2023,^ dedicated to empowering the lives of underserved individuals and businesses. Powered by deep sectoral expertise, data-led proprietary technology platforms, robust risk management of time-tested analytical models and a diversified business platform, Northern Arc offers a suite of solutions, including lending, placements, and fund management across key sectors like MSME Financing, Vehicle Financing, Affordable Housing Financing, Agricultural Supply Chain Finance, MFI, and Consumer Financing. Since 2009, Northern Arc has facilitated financing of over INR 1.73 trillion cumulatively for its clients, spread across 671 districts in 28 states and 7 Union Territories in India. Northern Arc, including its originator partners, has impacted the lives of over 101.82 million people. Northern Arc handles an AUM of INR 145,681.46 Million across the balance sheet and fund business and has one of the lowest credit costs amongst its peers in the industry. Northern Arc Capital’s own bond investments across key sectors are exclusively available on Altifi’s bond-buying platform. ^Source: Report titled “Analysis of NBFC sector and select asset classes” dated December 2023 prepared and released by CRISIL Research *Disclaimer: All the numbers stated are as of March 31, 2024. The AUM mentioned is for the lending business of Northern Arc Capital and the funds AUM of Northern Arc Investment Managers. Explore Our Offerings Corporate Bonds Fixed Income investments earning up to 14.50% p.a. XIRR Commerical Papers Short-term investments earning up to 11.00% p.a. XIRR NCD Public Issues Investments ranging from 9-13% returns Sovereign Gold Bonds Investments in government-backed securities Government Securities Investments in central and state-backed bonds Treasury Bills Short-tenor sovereign investments State Development Loans State-backed securities for diversification Public Sector Bonds Invest in government-backed companies How To Get Started Sign Up Complete KYC Explore Products Invest Monitor What Our Customers Say SK Samir Ojha The product offering of NCD IPOs is highly lucrative with such small minimum investment requirements and well-rated bonds. The process was smooth with the digital journey throughout the application submission. I intend to continue using the platform to increase my financial wealth and move towards safer investment instruments. VN Venkat Narasimhan Altifi made bond investments available even for a very common man and made to enjoy the benefit of Corporate bond investments with minimum investment. NR S.Nageswara Rao Altifi has opened a new door for investors seeking safer investment options with greater returns. Through the platform, I have been able to invest in the debt instruments of both traditional businesses as well as new age institutions SK CA Surendra Kumar Bhandari Investments have so far been limited to FDs and equity markets. Altifi is now offering a wide range of debt products that has diversified my portfolio exposure and given me an opportunity to gain higher returns while reducing the risk involved. Know more about Altifi Backed by Northern Arc Capital We are driven by the purpose of empowering lives and hence at Northern Arc Capital, we are dedicated to unlocking credit opportunities in India’s emerging sectors. As a Non-Banking Finance Company registered with the Reserve Bank of India, we drive growth and innovation in underserved communities. Our mission is to meet diverse credit needs across key sectors— Affordable housing, Agriculture finance, MSME, Mircofinance, consumer finance and vehicle finance, while also focusing on climate and renewable financing. With 15 years of experience and powered by technology and data, we are here to support and empower positive change in your financial journey. Utilize Northern Arc's deep sectoral expertise and proven risk management framework in lending to access high-quality bonds across key sectors of the economy. Northern Arc’s fixed income instruments are exclusively available on Altifi’s platforms. Northern Arc Capital has a thorough due diligence practice across its 300+ originator partners. A “skin in the game approach” drives successful lending, placements, and fund management offerings. An Array of Fixed Income Investment Options We offer a broad selection of investments to suit your preferences of risk and time horizon. Whether you're interested in Government Securities, Corporate Bonds, Sovereign Gold Bonds, Commercial Papers, or NCD Public Issues, our diverse portfolio as a bond investment platform provides plenty of choices. This wide range ensures you can find investments that align with your financial goals. Select from options tailored to your criteria, including investment amount, tenure, yield, credit rating, and instrument type. A User-friendly Platform for Buying bonds Our bond investment platform is designed for ease of use, allowing you to effortlessly browse, compare, and invest in a variety of assets. The intuitive interface provides detailed information on each investment option, including interest rates, maturity dates, and credit ratings. This transparency helps you make well-informed decisions with confidence. Altifi also streamlines your investment experience with a seamless digital onboarding process, saving your valuable time. Earn Periodic Income from bonds Invest in Altifi to enjoy regular income through fixed-interest payments and protect your investments against inflation. Explore Our Offerings Enhance your portfolio with the fixed-income instruments available on our online bond buying platform: Corporate Bonds Discover Altifi’ s corporate bonds, offered across various sectors and ratings. Diversify your portfolio with fixed income investments and earn up to 13.5%* annualized returns. Enjoy a seamless digital process on the bond buying platform, receive alerts on new offerings, and benefit from our Refer & Earn program. Invest confidently with Altifi – the fixed income platform! Commercial Paper Invest in a range of fixed income investments such as commercial paper to simplify your short-term investment horizons. With maturities ranging from 7 days to one year, you can align investments with your cash flow and financial goals on our fixed income platform. This option mitigates risk by diversifying fixed income investments across issuers and sectors, reducing exposure to any single entity, while offering competitive yields for short-term investments on our platform. NCD Public Issues Select NCD Public Issues as a fixed income investment on the online platform for fixed returns and stability. These bond investments offer a predictable income stream with fixed interest rates, making them a reliable choice for investors. By investing in NCD Public Issue through Altifi, you gain access to a diverse range of debentures from various issuers. Our bond buying platform simplifies the investment process, allowing you to seamlessly participate in NCD Public Issue and diversify your portfolio with regular income through fixed-income securities. Sovereign Gold Bonds Explore Sovereign Gold Bonds (SGBs) on the Altifi platform. These government-backed securities offer returns linked to gold prices, making them an ideal choice for safe, gold-based investments. SGBs provide the benefits of physical gold without the risks of storage and purity concerns. They offer a fixed interest rate along with the potential for capital appreciation. Additionally, these bonds are free from TDS and can be easily bought on the fixed income platform, ensuring convenience and security for your investment. Government Securities Altifi offers a wide selection of Government of India (GOI) securities, including GOI bonds, T-bills, and State Development Loans (SDLs) which are comparable to any other fixed income platform. Backed by a sovereign guarantee, GOI securities provide safety, steady income with fixed interest rates, and high liquidity without any TDS. State government securities support infrastructure growth, offering fixed income and better yields with medium to long-term maturities, also without TDS. For short-term needs, treasury bills provide high liquidity and competitive returns. Benefits of Debt Securities Regular Income Debt securities provide regular interest payments, offering a predictable and steady source of income. This makes them an attractive option for investors seeking periodic cash flow for those looking to supplement their income. Capital Preservation Some instruments are considered lower risk compared to equities, helping to preserve your initial investment and can also carry sovereign guarantees. This is particularly important for investors who prioritize maintaining their principal amount and seek high/medium returns. Diversification Including fixed income investments, helps spread risk by asset allocation, balancing out more volatile investments like stocks. Diversification reduces the impact of any single investment's underperformance on your overall portfolio, enhancing stability. Liquidity Many debt securities can be easily bought and sold in the market, providing liquidity to investors. This flexibility allows investors to quickly access their funds when needed. Predictable Returns The fixed interest rate on many debt securities provides a predictable return, making financial planning easier. Investors can anticipate their income and plan their expenditures and savings more effectively, reducing financial uncertainty. FAQs What is Altifi? Altifi is an investment platform from Northern Arc Securities Private Limited, a wholly owned subsidiary of Northern Arc Capital Limited (NACL). NACL is a diversified Non-Banking Financial Company (NBFC). Altifi enables investors to invest in a wide range of Debt Securities, including Bonds, Commercial Papers, NCD Public issue and Sovereign Gold Bonds, to name a few. You can download the Altifi app on your smartphone or access the webpage on your laptop, register using your PAN, Bank Account and Demat Account and start investing on the go for all your fixed income investments. What are the unique features of Altifi? Why should I consider buying bonds from Altifi? Altifi is transforming bond investments for the digital age, offering a diverse range of high-quality, high-yield bond instruments with zero commissions. Backed by Northern Arc Capital, one of India’s leading NBFCs, Altifi ensures credibility and stability. Our mobile-friendly platform provides a seamless, user-friendly experience, allowing you to easily browse, compare, and invest in various fixed-income assets, including Government Securities and Corporate Bonds. Invest with Altifi to diversify your portfolio and enjoy the benefits of regular income and capital protection. How do fixed-income instruments work? When it comes to fixed-income investments, investors lend money to an issuer (such as a corporation or government) in exchange for periodic interest/ principal payments. The issuer returns the principal amount at/ till maturity or on a periodic basis. Is a Demat account necessary to invest in bonds? Yes, it is. Fixed income investments like bonds are held in the dematerialised form for complete transparency. Therefore, to invest in bonds, you are required to open a Demat account. What are the various forms of Bonds & Debentures in India? In India, bonds and debentures come in various forms to cater to different investment needs. Government Securities include Treasury Bills (T-Bills), which are short-term securities with maturities of up to one year, Government Securities (G-Secs) with long-term maturities ranging from 5 to 40 years, Sovereign Gold Bonds (SGBs) that are linked to the price of gold and more. Other bonds include zero-coupon bonds issued at a discount and redeemed at face value. Debentures also come in various forms, each with unique features to meet diverse investment strategies of various investors. What are Corporate Bonds? Corporate bonds are issued by companies to raise capital for business operations or expansion. They typically offer higher interest rates than government bonds, reflecting the higher risk involved. Corporate bonds can be secured (backed by company assets) or unsecured (not backed by assets), and some may be convertible into company stock. What are Municipal Bonds? Municipal bonds are issued by local government bodies or municipalities to fund public infrastructure projects such as roads, schools, and hospitals. These bonds may offer tax exemptions on interest income. However, they carry risks related to the financial stability of the issuing authority and may have lower liquidity compared to other bonds. What are Sovereign Gold Bonds? Sovereign Gold Bonds (SGBs) are government securities denominated in grams of gold. They offer an alternative to physical gold investment, providing returns linked to gold prices along with an additional fixed interest rate. SGBs eliminate the risks and costs associated with holding physical gold. What are Zero-Coupon Bonds? Zero-coupon bonds are sold at a discount to their face value and do not make periodic interest payments. Instead, they pay the bondholder the full face value at maturity. These bonds are ideal for long-term investors looking for capital appreciation, but they are sensitive to interest rate fluctuations. What are Convertible Bonds? Convertible bonds are a type of corporate bond that can be converted into a predetermined number of shares of the issuing company. They offer lower interest rates than regular corporate bonds but provide the potential for equity upside if the company's stock performs well. What are Fixed Rate Bonds? Fixed-rate bonds pay a fixed interest rate to investors for the entire duration of the bond. These bonds provide a stable and predictable income stream, making them ideal for conservative investors who prefer consistent returns regardless of market fluctuations. What are Floating Rate Bonds? Floating rate bonds have variable interest rates that adjust periodically based on a benchmark rate, such as the RBI’s repo rate. These bonds offer protection against rising interest rates but may result in lower returns when rates fall. What are Inflation-Indexed Bonds? Inflation-indexed bonds provide returns that are adjusted for inflation, ensuring that the real value of the investment is preserved. These bonds are linked to the inflation rate, making them suitable for investors looking to hedge against inflation risk. What are Perpetual Bonds? Perpetual bonds are a type of bond with no maturity date. They pay interest indefinitely, making them similar to equity in terms of risk. Perpetual bonds typically offer higher interest rates but also come with higher risk since the principal is not returned to investors. What are Tax-Free Bonds? Tax-free bonds are issued by government-backed entities, and the interest income earned from these bonds is exempt from tax under the Income Tax Act. These bonds are generally long-term, with maturities ranging from 10 to 20 years, and are suitable for investors in higher tax brackets. What are Green Bonds? Green bonds are issued to finance environmentally sustainable projects such as renewable energy, clean transportation, and sustainable water management. They are designed to attract investors who are interested in supporting green initiatives, with returns linked to the success of the underlying projects. Are bonds a safe investment option? Generally, Bonds tend to be a safer investment option compared to market-linked investments. Bonds are designed to provide regular interest and principal payments till maturity. Government Securities are viewed as safe investments as they are backed by the sovereign guarantee. Corporate bonds may carry higher risk but may offer attractive returns. Note that the safety of bonds can vary based on the issuing company’s creditworthiness and economic conditions. While not risk-free, bonds may offer relatively stable and predictable income. Can NRIs invest in bonds? NRIs can invest in certain specific fixed income investments as specified by the regulations. Is Altifi regulated by SEBI? Northern Arc Securities Private Limited is a SEBI-registered broker and an Online Bond Platform Provider (OBPP) that facilitates the buying and selling of fixed income investments. What is the difference between a convertible and non-convertible security? A convertible and non-convertible security is a type of security issued by a company. In the case of convertible securities, investors can convert the securities into shares of equity stock after a certain specific period at a certain specific rate. As the name suggests, non-convertible securities (NCD) cannot be converted into equity. They have a fixed maturity date. Is KYC mandatory for Bond investments? Yes, it is. To invest in bonds, you are required to complete your KYC. With Altifi – your bond investment platform, you can complete KYC in 3 minutes by providing your PAN, bank account and Demat details. What should I consider while investing in fixed income instruments? While fixed income assets are designed to provide stable returns, you must keep a few things in mind. The prices may fall if the interest rate rises since the two are inversely proportional to each other. You must also consider the inflation factor and hence the real returns may vary. What is the minimum amount I need to invest in fixed income assets? Altifi, the bond investment platform allows you to start investing with amounts starting from ₹10,000. However, the investment amount can vary across fixed income instruments. Will TDS be applicable on interest earned from bonds? Income earned in India is subject to tax-deducted at source. Since bonds offer income in the form of interest payments, you are required to pay TDS if you are eligible for tax payments. However, no TDS is applicable to government securities (G-secs). What are the KYC documents required to register on Altifi? To register on Altifi, you need to complete your KYC by providing your PAN. Additionally, you are required to provide your bank account and Demat account details. How does Altifi keep my data secure? At Altifi, we follow stringent security protocols and facilitate a platform that is encrypted end-to-end to keep your data secure. Is there a commission fee I need to pay to Altifi? Altifi does not charge any commission fees to investors. Do I have to link my Demat account to Altifi? Yes, you must. The interest payment from your investments will be directly deposited in the bank account linked to your Demat account. What are the main risks involved in investing in fixed income investments? Investing in such instruments involves several types of risks: Interest Rate Risk: The risk that changes in interest rates will affect the market value of a bond. If interest rates rise, bond prices typically fall, and vice versa. Credit Risk: The risk of default by the issuer, meaning they may fail to make interest payments or repay the principal amount. This risk is higher for bonds issued by entities with lower credit ratings. Inflation Risk: The risk that inflation will erode the purchasing power of the bond's future cash flows, resulting in a real return that is lower than expected. Liquidity Risk: The risk that a bond may not be easily sold in the market at a fair price, potentially leading to a loss if the investor needs to sell quickly. Reinvestment Risk: The risk that interest or principal payments received may have to be reinvested at a lower rate than the bond's original yield. Market Risk: The overall risk of the bond's market value being affected by broader market trends and economic conditions. How does interest rate risk affect fixed income investments? Interest rate risk is one of the most significant risks for bond investors. When interest rates rise, the prices of existing bonds usually fall. This happens because new bonds are issued with higher yields, making existing bonds with lower yields less attractive. Conversely, if interest rates fall, existing bonds with higher yields become more valuable, increasing their market price. Long-term bonds are typically more sensitive to interest rate changes than short-term bonds. Example: Suppose you hold a 10-year bond with a fixed interest rate of 6%. If the current RBI interest rates rise to 7%, new investors would prefer newly issued bonds with a 7% yield, making your bond less attractive. As a result, the market price of your bond would decrease. What is credit risk in a bond investment? Credit risk refers to the risk of a bond issuer defaulting on their payment obligations, which includes failing to pay interest or principal. Credit risk is assessed using credit ratings provided by rating agencies such as CRISIL, ICRA, CARE, Acuite Ratings etc. Bonds rated as 'AAA' or 'AA' are considered lower risk, while those rated 'BB' or below are higher risk. Assessing Credit Risk: Credit Ratings: Ratings from established agencies help investors gauge the creditworthiness of the issuer. Financial Analysis: Evaluating the issuer's financial health, including cash flows, debt levels, and profitability. Altifi gives a complete detail of all financial ratios and information for you to take the informed call. Industry Analysis: Understanding the issuer's industry dynamics and competitive position and with our specialization across the key sectors of the economy. How does inflation risk impact bond investments? Inflation risk, also known as purchasing power risk, affects the real value of the returns from a bond investment. If inflation rises, the fixed interest payments and principal repayments from a bond may lose purchasing power, reducing the bond's real return. Impact of Inflation Risk: Real Return: Inflation can erode the real return on bonds, especially for long-term fixed-rate bonds. Interest Rates: Higher inflation often leads to rising interest rates, which can negatively impact bond prices. Example: If you hold a bond with a 4% annual yield, but inflation rises to 5%, the real return on your investment becomes negative. What is liquidity risk, and why is it important for bond investors? Liquidity risk is the risk that an investor may not be able to sell their bond easily or quickly at a fair price. Bonds with lower liquidity may require selling at a discount, resulting in potential losses. What is reinvestment risk? Reinvestment risk occurs when the proceeds from a bond (interest payments or matured principal) have to be reinvested at a lower interest rate than the original bond. This risk is particularly relevant for callable bonds and bonds with high coupon payments. Example: If you own a bond paying an 8% coupon rate and interest rates drop to 5%, you may face reinvestment risk if you need to reinvest your interest payments or matured principal at the lower rate, reducing your overall income. How does call risk affect bond investors? Call risk is associated with callable bonds, where the issuer has the option to redeem the bond before its maturity date, usually when interest rates fall. This can force investors to reinvest the proceeds at lower rates. Example: If you hold a 10-year callable bond with a 7% yield, and interest rates fall to 4%, the issuer might call the bond, repaying the principal early, leaving you to reinvest at the lower prevailing rates. What is market risk in the context of bonds? Market risk, also known as systemic risk, refers to the potential impact of broader market trends and economic conditions on the bond's market value. Factors such as economic downturns, political instability, or financial crises can affect bond prices across the board. How do government securities (G-Secs) compare in terms of risk? Government securities (G-Secs) are generally considered lower risk compared to corporate bonds due to the backing by the government, reducing credit risk. However, they still carry interest rate risk, inflation risk, and liquidity risk. Example: Indian Government Securities are seen as safe investments with low default risk but may be subject to price fluctuations due to changes in interest rates. How can investors mitigate bond investment risks? Diversification: Spread investments across different types of bonds (government, corporate, short-term, long-term) to minimize exposure to any single risk. Credit Analysis: Invest in bonds with strong credit ratings and perform due diligence on issuers' financial health. Duration Management: Opt for bonds with shorter durations to reduce interest rate sensitivity, particularly in rising rate environments. Laddering Strategy: Build a bond ladder with staggered maturities to manage reinvestment risk and maintain liquidity. Monitoring Economic Indicators: Stay informed about macroeconomic trends, inflation forecasts, and interest rate movements to make informed investment decisions. Example: An investor building a diversified bond portfolio with a mix of G-Secs, high-rated corporate bonds, and short-term instruments can effectively manage risks associated with interest rates, credit quality, and liquidity. Compare Bank FDs and Government and Corporate Bonds? Factor Government Bonds Corporate Bonds Bank Fixed Deposits Returns Moderate to High; Tax-free options available Generally High; Risk-based Fixed; Generally Low Risk Low Credit Risk; Interest Rate Risk Credit and Interest Rate Risk Low Risk; Insured up to ₹5 lakh Liquidity Tradable; Depends on Market Conditions Tradable; Liquidity Risk in Low-Demand Bonds Easy Withdrawal; Penalty for Early Withdrawal Tax Implications Taxable Interest; Tax-Free Options Taxable Interest and Capital gains Tax Deduction at Source for Interest above Limits Other Factors Government Stability; Diverse Bond Types Diverse Issuers; Varied Financial Health Simple to Understand; Bank-backed Trust Fixed income vs equity? Factor Fixed Income Instruments Equity Investments Returns Predictable and steady; Generally lower compared to equities Potentially high returns; Capital appreciation and dividends Risk Lower risk; Capital preservation; Susceptible to interest rate and inflation risk Higher volatility; Market and business-specific risks Income Regular interest payments; Fixed returns Variable dividends; No guaranteed income Liquidity Moderately liquid; Tradable in secondary markets Highly liquid; Easy buying and selling on stock exchanges Capital Appreciation Limited growth potential Significant capital appreciation potential Market Knowledge Lesser need for extensive market knowledge Requires in-depth research and continuous monitoring Inflation Protection Inflation-indexed options available Potential to outpace inflation with growth and capital gains Portfolio Diversification Balances equity risks; Offers stability Allows for sectoral and geographical diversification Reach out to us at support@altifi.ai © 2021, All Rights Reserved Disclaimer: Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully. Northern Arc Securities Private Limited (“NASPL”) is a wholly owned subsidiary of Northern Arc Capital Ltd. (“NACL”) and is a SEBI registered broker and an approved Online Bond Platform Provider (OBPP) in NSE Debt Segment allowing investors to transact in debt securities through the online platform of the Stock Exchange. The FAQs on the platform are exclusively for educational information/knowledge and is not intended to influence the investment/sale decisions of any investors. In the context of the rapidly evolving financial markets, it is essential for investors to stay informed and knowledgeable about various aspects of investing in the securities market. We also recommend that you visit the NSE Investor Protection Fund website. https://www.nseindia.com/complaints/investor-protection-fund-trust Please read the offer related documents including credit rating details made available on Altifi before investing through/on Altifi. Investments are subject to risks such as liquidity risk and default risk including the possible loss of principal. This shall not be construed as a recommendation, advice, offer or solicitation to invest or to adopt any investment strategy. As regards legal, tax, and related matters concerning your investment, please consult your advisors. Returns from MLDs in the form of interest income will be determined by a formula prescribed as part of the issue terms where the ‘coupon’ is linked to an external reference index. Any action/decision taken by the user on the basis of the information shown on this website shall be the sole responsibility of the user. Neither NASPL nor its directors, employees, associates, representatives, or agents shall be liable for any damages whether direct, indirect, special, or consequential including lost revenue or lost profits that may arise to the user from or in connection with the use of the information/data shown on this website. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates.There is no assurance or guarantee that the objective of the Scheme will be achieved. Past performance of the Sponsor/AMC/Fund does not indicate the future performance of the Schemes of the Fund. Northern Arc Securities Pvt. Ltd. (with ARN code 311499) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. You must independently determine the suitability of investing in such mutual fund schemes, based on Your risk appetite and goals As regards legal, tax, and related matters concerning your investment, please consult your advisors.Any action/decision taken by the user on the basis of the information shown on this website shall be the sole responsibility of the user. Neither NASPL nor its directors, employees, associates, representatives, or agents shall be liable for any damages whether direct, indirect, special, or consequential including lost revenue or lost profits that may arise to the user from or in connection with the use of the information/data shown on this website. Please note that we have not engaged any third parties to render any investment advisory services on our behalf nor are we providing any stock recommendations/tips/research report/advisory. 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