Stability Meets Growth Potential
A Smart Blend of Safety and Market-Linked Returns
Market-Linked Debentures (MLDs) are innovative financial instruments that combine the security of fixed-income bonds with the growth potential of equity markets. Unlike traditional fixed deposits, MLDs allow investors to earn returns linked to market indices while maintaining downside protection in some cases.
Ideal for those seeking higher yields than conventional debt without full exposure to stock market volatility, MLDs serve as a strategic diversification tool.
MLDs, also known as structured debt products, derive returns from a predefined market benchmark such as: • Nifty 50, Nifty 100 (for equity-linked returns) • 10-Year G-Sec yields (for debt-linked performance) Key Regulatory Update The Reserve Bank of India (RBI) has made MLDs more accessible by reducing the minimum investment threshold from ₹10 lakhs to ₹1 lakh, opening doors for retail investors.
Principal-Protected
Guarantees 100% capital safety at maturity, regardless of market performance.
Income MLDs
Offers fixed periodic payouts + potential upside from market gains.
Growth MLDs
Higher participation in market upside, but no principal protection.
Non-Protected MLDs
Fully market-linked—higher returns possible but with higher risk.
Diversification
Balance between equity and debt in a single instrument.
Higher Returns
Outperform traditional fixed-income products.
Capital Protection
Some MLDs safeguard your principal.
Tax Advantage
Returns taxed at slab rates, regardless of holding period.
Customizable Structures
Tailor-made structures to match risk-return expectations.
Transparency
Credit-rated issuers ensure reliability.
New Investors – Low-risk entry into equity-linked returns.
Cautious Market Participants – Benefit from upside potential without full exposure.
Portfolio Diversifiers – Reduce reliance on traditional FDs or direct equities.
High Creditworthiness
Only RBI-approved institutions.
Proven Track Record
Consistent performance across market cycles.
Flexible Options
Principal-protected, growth, or hybrid structures.
Seamless Onboarding
Quick demat crediting (within 10 days).
Minimum Investment
Starts at ₹1 lakh (standard MLDs).
Demat Holding
Credited directly to your demat account
Index-Linked Returns
Gains tied to Nifty, G-Sec, or other benchmarks.
Taxation
Taxed as per income slab (no long-term benefits).
MLDs bridge the gap between fixed-income safety and equity-linked growth, making them a compelling choice for modern investors. Whether you seek capital protection, regular income, or aggressive growth, there’s an MLD structure tailored for you. Explore MLDs today and optimize your portfolio’s risk-reward balance!