Fixed Deposits (FDs)
Earn Better Returns with Carefully Selected Corporate Fixed Deposits
Looking for fixed income investment opportunities that offer potentially higher returns than traditional bank deposits? At HAWMS Financial Services Pvt. Ltd., we help investors access carefully selected Corporate Fixed Deposits (Corporate FDs) from reputed NBFCs and corporate institutions across India.
One of the biggest concerns in Corporate FD investments is selecting the right issuer and understanding the associated risks. Many investors are unsure which companies are reliable and whether higher returns come with higher risk.
Our core strength lies in helping clients choose suitable Corporate FD opportunities after evaluating:
- Credit quality and financial strength of the issuer
• Reputation and track record of the company
• Risk and return balance
• Investment tenure and payout structure
• Investor liquidity needs and financial goals
Rather than simply offering products, we focus on guiding investors toward informed fixed-income investment decisions aligned with their comfort level and objectives.
What Are Corporate Fixed Deposits?
Corporate Fixed Deposits are fixed income investment products offered by companies and NBFCs for a fixed tenure at a predetermined interest rate.
Compared to traditional bank FDs, Corporate FDs often provide higher interest rates, making them attractive for investors seeking better fixed-income returns.
Why Invest Through HAWMS?
- Careful issuer selection based on risk evaluation
• Access to reputed Corporate FD issuers
• Personalized guidance based on investor requirements
• Documentation and onboarding support
• Maturity tracking and reinvestment assistance
• Transparent and professional service
Who Can Invest?
Corporate FDs are suitable for:
- Conservative investors seeking fixed returns
• Retirees looking for regular income
• HNIs and NRIs
• Trusts and institutions
• Corporates managing surplus treasury funds
Capital Gain Bonds (54EC Bonds)
Reduce Capital Gains Tax with 54EC Capital Gain Bonds
At HAWMS Financial Services Pvt. Ltd., we help investors save long-term capital gains tax through Capital Gain Bonds under Section 54EC of the Income Tax Act.
These bonds are ideal for individuals and entities who have earned capital gains from the sale of property or other eligible assets and are looking for a compliant and tax-efficient investment solution.
Our team provides complete guidance on eligibility, timelines, documentation, and suitable bond options to ensure a smooth investment process.
What Are Capital Gain Bonds?
Capital Gain Bonds, also known as 54EC Bonds, are government-notified bonds that help investors claim exemption from long-term capital gains tax.
These bonds are issued by government-backed institutions such as:
- REC – Rural Electrification Corporation
• IRFC – Indian Railway Finance Corporation
• HUDCO – Housing & Urban Development Corporation
• PFC – Power Finance Corporation
• Other notified entities
To avail tax exemption benefits, investments must be made within the prescribed time limit under applicable tax regulations.
Key Benefits
- Tax exemption under Section 54EC
• Government-backed issuers
• Fixed and predictable returns
• Low-risk investment option
• Suitable for long-term tax planning
• Simple and structured investment process
Our Role at HAWMS
At HAWMS, we help clients with:
- Understanding eligibility and tax implications
• Selecting suitable Capital Gain Bond options
• Documentation and investment assistance
• Timely execution support
• End-to-end guidance throughout the process
We focus on helping clients make informed and tax-efficient investment decisions with clarity and confidence.
Who Can Invest?
Capital Gain Bonds are suitable for:
- Individuals selling residential or commercial property
• Investors with long-term capital gains
• HNIs and business owners
• Eligible entities seeking tax-saving investment solutions
Why Choose HAWMS?
- Personalized guidance and support
• Smooth documentation and execution process
• Professional approach towards tax-efficient investments
• Transparent and client-focused service
Partner with HAWMS
HAWMS Financial Services Pvt. Ltd. helps investors navigate Capital Gain Bond investments efficiently while ensuring compliance and convenience.
Connect with our team to explore suitable Capital Gain Bond investment solutions.
Alternative Investment Funds (AIF)
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Unlock Superior Returns with Alternative Investment Funds
For sophisticated investors seeking returns beyond traditional asset classes, Alternative Investment Funds (AIFs) offer access to exclusive, high-potential investment opportunities. HAWMS Financial Services, with its deep market expertise, guides eligible investors through the world of AIFs — from venture capital and private equity to hedge funds and real estate funds.
What Are Alternative Investment Funds (AIFs)?
An Alternative Investment Fund (AIF) is a privately pooled investment vehicle regulated by SEBI (Securities and Exchange Board of India) that collects funds from sophisticated investors to invest in a variety of non-traditional assets. AIFs are distinct from mutual funds and are designed for High Net Worth Individuals (HNIs), family offices, and institutional investors.
Minimum investment in an AIF is typically ₹1 crore.
Categories of AIFs
Category I AIF
Invest in start-ups, early-stage ventures, social ventures, SMEs, and infrastructure projects. These AIFs receive government and regulatory incentives.
- Venture Capital Funds
- Infrastructure Funds
- Social Venture Funds
- Angel Funds
Category II AIF
Do not use leverage except for day-to-day operational purposes. Typically includes:
- Private Equity Funds
- Debt Funds
- Fund of Funds
Category III AIF
Employ diverse and complex trading strategies including leverage through investment in listed/unlisted derivatives:
- Hedge Funds
- Long-Short Strategy Funds
Who Should Consider AIFs?
- High Net Worth Individuals (HNIs) with investable surplus of ₹1 crore+
- Family offices seeking portfolio diversification
- Institutional investors seeking alpha generation
- Investors seeking exposure to private equity and pre-IPO opportunities
Why HAWMS for AIF Investments?
- Access to SEBI-registered, top-performing AIF managers
- Thorough due diligence on fund managers and strategies
- Personalized portfolio construction including AIFs
- End-to-end documentation and onboarding support
- Ongoing performance tracking and portfolio review
📞 Ready to get started? Contact HAWMS Financial Services today. Visit: www.hawms.in | WhatsApp us for a free consultation.
Financial Planning
Chart Your Path to Financial Freedom
True wealth is not just about earning more — it is about managing what you earn intelligently, growing it strategically, and protecting it wisely. HAWMS Financial Services offers comprehensive, personalized Financial Planning services that cover every stage of your financial life.
Founded in 2011 and managing over ₹40 Crores in Assets Under Management, our experienced advisors bring proven expertise to every financial plan we craft.
What Is Financial Planning?
Financial planning is the process of setting life goals and designing a roadmap to achieve them using disciplined money management, strategic investments, tax optimization, risk management, and estate planning. It is not just for the wealthy — it is for anyone who wants to take control of their financial future.
Our Financial Planning Services Cover
Goal-Based Investment Planning
We identify your short-term and long-term financial goals — from buying a home and funding your child’s education to international travel and starting a business — and create a customized investment plan to achieve them.
Retirement Planning
Build a retirement corpus that sustains your lifestyle long after your active income stops. We map out the right mix of investments, pension products, and SWP strategies to ensure financial independence in your golden years.
Tax Planning & Optimization
Legally minimize your tax liability through smart investment choices — ELSS, PPF, NPS, 54EC Bonds, and more — aligned with your income and financial goals.
Cash Flow & Budgeting Advisory
Understand where your money goes and how to redirect it toward wealth-building. We help you build a sustainable budget that balances current lifestyle needs with future financial aspirations.
NRI Financial Planning
Special planning for Non-Resident Indians covering repatriation, NRE/NRO/FCNR investments, NPS for NRIs, and tax implications in India.
Estate & Succession Planning
Ensure your wealth reaches your loved ones as intended, with proper nomination, will writing guidance, and trust structures.
Our Financial Planning Process
- Step 1: Discovery — Understanding your income, expenses, assets, liabilities, and goals
- Step 2: Analysis — Assessing your current financial health and gap analysis
- Step 3: Strategy — Designing a customized financial plan
- Step 4: Implementation — Executing the plan across investments, insurance, and tax savings
- Step 5: Review — Regular monitoring and plan adjustment as life evolves
Why Choose HAWMS for Financial Planning?
- Over a decade of industry experience
- SEBI-compliant
- Integrated solutions across investments, insurance, and tax
- Dedicated personalised relationship — not a call centre
Bonds
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Stable Fixed Income Investment Solutions Through Bonds
At HAWMS Financial Services Pvt. Ltd., we help investors access carefully selected bond investment opportunities based on risk profile, return expectations, liquidity requirements, and investment horizon.
Bonds are widely preferred by investors seeking stable returns, regular income, and portfolio diversification. However, selecting the right bond requires proper evaluation of issuer quality, credit risk, tenure, and payout structure.
Our core focus is helping clients choose suitable bond opportunities after carefully analyzing risk and issuer strength rather than simply chasing higher returns.
What Are Bonds?
A bond is a fixed-income investment instrument where investors lend money to government bodies, financial institutions, or companies for a fixed period in exchange for regular interest payments and repayment of principal at maturity.
Bonds are generally considered suitable for investors looking for relatively stable and predictable investment returns.
Types of Bonds We Offer
We provide access to various fixed-income bond opportunities, including:
- Corporate Bonds
• PSU Bonds
• Listed Bonds
• Fixed and Floating Interest Rate Bonds
Our Approach at HAWMS
At HAWMS, we help clients evaluate bonds based on:
- Credit quality and issuer strength
• Risk and return balance
• Interest payout structure
• Investment tenure suitability
• Liquidity considerations
• Overall portfolio allocation
We focus on helping investors make informed fixed-income investment decisions aligned with their financial goals and risk appetite.
Why Invest in Bonds Through HAWMS?
- Carefully selected bond opportunities
• Guidance based on risk evaluation and suitability
• Access to reputed issuers and institutions
• Support for individuals, HNIs, NRIs, trusts, and corporates
• Assistance with documentation and execution
• Transparent and professional investment guidance
Who Can Invest in Bonds?
Bond investments are suitable for:
- Conservative investors seeking stable returns
• Retirees looking for regular income
• Investors diversifying beyond traditional deposits
• HNIs and family offices
• Trusts and institutions
• Corporates managing treasury and surplus funds
Key Benefits of Bonds
- Regular interest income
• Predictable fixed-income returns
• Portfolio stability and diversification
• Wide range of tenure options
• Potentially better returns compared to traditional deposits
Partner with HAWMS
With a strong focus on issuer quality, risk evaluation, and investor suitability, HAWMS Financial Services Pvt. Ltd. helps clients identify suitable bond investment opportunities with confidence and clarity.
Connect with our team to explore bond investment solutions aligned with your financial objectives.
About HAWMS Financial Services Pvt. Ltd.
HAWMS Financial Services Pvt. Ltd. is a full-service financial services company based in Kerala, India, founded in 2011. With over a decade of experience, HAWMS serves individuals, NRIs, and corporates across investment advisory, corporate finance, and insurance domains.
Our Credentials
- AMFI Registered Mutual Fund Distributor (ARN: 305902)
- Registered Sub-Broker with Aditya Birla Money Limited (Code: U87)
- Authorized Representative — BSE (AP0101840194890) and NSE (AP0922082583)
- Insurance services through Secureline Assurance IMF Pvt. Ltd. (IRDAI Registered)
Our Numbers
- ₹40 Crores+ in Assets Under Management
- Founded in 2011 — 13+ years of trusted advisory
- Clients across Kerala, India, and NRIs worldwide
Contact Us
Website: www.hawms.in
WhatsApp: Available on website
Location: Kerala, India