Today, every investor wants everything on one platform — mutual funds, equities, P2P lending, and even bonds. They don’t want to log in to five different apps just to track their money. And as an MFD, that puts you in a tricky spot.
You probably ask yourself —
Can I actually offer all that to my clients?
Can my platform support more than just mutual funds?
The good news is — yes, you can. Modern wealth management software in India now allows you to offer fixed income investments like bonds, along with mutual funds, equities, and other products — all under one roof.
Let’s break it down.
How Software Helps You Offer Fixed Income Investments
You already know mutual funds and equities. But fixed income — especially bonds — are becoming a hot favourite among investors who want stable returns and lower risk.
Here’s how the right software helps you include that in your offerings:
● Multi-Asset Setup: Manage mutual funds, equities, insurance, and fixed-income options — all from one dashboard.
No separate systems, no switching tabs.
● Easy Investor Onboarding: Clients complete KYC once, and can invest in multiple products without extra paperwork.
● Online Execution: Place orders for corporate bonds, government securities, and capital gain bonds directly from the best online platform for mutual fund distributor dashboard.
● Unified Portfolio Tracking: View, manage, and analyze all holdings in one place — perfect for clients who want a complete wealth snapshot.
● Brokerage Tracking: Earn and track brokerage on every investment made through your ARN or distributor code.
This means you can tell your clients, “Now you don’t need to go anywhere else for bonds or fixed income. You can invest through me — right here.”
Fixed Income Investment Options Available
Let’s look at what kind of fixed-income instruments your platform can support.
1. All Fixed Income Investments
These include products that give steady, predictable returns — ideal for investors who don’t want full equity exposure.
Now let’s understand a few key ones in detail.
2. Corporate Bonds
Corporate bonds are debt instruments issued by companies to raise funds.
When your client invests, they lend money to the company in return for periodic interest payments.
Why investors like them:
● Higher interest rates than FDs
● Predictable income
● Short to long-term maturity options
How they work:
Companies use this borrowed money for expansion or operations, and investors get regular interest (coupon payments) until maturity.
You can guide clients on choosing bonds based on credit ratings and risk profiles, ensuring safety and returns are balanced.
3. Government Securities (G-Secs)
These are the safest fixed-income options since they’re backed by the Government of India.
Why investors choose them:
● Virtually zero default risk
● Steady, though moderate, returns
● Long-term stability
Perfect for clients who are risk-averse or retired and want a secure income stream.
You can present them as the “safe foundation” of a client’s fixed-income portfolio.
4. Capital Gain (54EC) Bonds
If your client recently sold a property or any capital asset, they can save tax by investing the capital gain in these bonds.
Issued by: NHAI, REC, PFC, IRFC — all government-backed institutions.
Benefits:
● Exemption under Section 54EC of the Income Tax Act
● 5-year lock-in period
● Interest income is taxable, but capital gain becomes tax-free
These are ideal for clients looking to save tax and earn a steady return.
Your platform can list these as part of the fixed-income section, allowing easy investment and tracking.
Why Offering Bonds Matters for You as an MFD
Here’s the truth — MFDs who only offer mutual funds are slowly getting replaced by those offering complete wealth management solutions.
Adding bonds and other fixed-income options makes you stand out.
Here’s what you gain:
Quick and Seamless Onboarding
● One KYC, multiple products
● Less paperwork, less friction
● Easier for clients to start investing in new asset classes
Hassle-Free Fixed Income Investments
● No manual tracking or offline transactions
● Invest, track, and redeem through one dashboard
● Create customized fixed-income portfolios for your clients
Earn Brokerage on Every Investment
● You earn on every transaction made through your distributor code
● Expanding product range = increased revenue opportunities
Stronger Client Retention
● Clients prefer to stay where they find convenience and variety
● The more products they hold with you, the longer they stay connected
Higher Credibility & Trust
● You become their go-to financial partner
● You can confidently say: “Whether you want growth or stability, I’ve got every investment option for you.”
Final Thoughts
So, does back office software offer bonds? Yes — and much more. And you can do it all on one digital platform, under your own code, with your own branding.
Investors get convenience. You get better engagement and higher revenue. Everyone wins.
FAQs
1. Why should MFDs focus on bonds and fixed-income products?
Because not every client wants market volatility. Offering bonds helps MFDs attract conservative investors seeking steady returns, ensuring better client retention and portfolio stability.
2. How do bonds help MFDs manage client risk better?
By balancing high-risk equity exposure with fixed-income options, MFDs can create more resilient portfolios — showing clients they prioritize both growth and safety.
3. Can fixed-income products help MFDs increase AUM?
Absolutely. Many HNIs and retirees prefer predictable income. By recommending high-quality debt instruments, MFDs can tap into this segment and grow their total AUM.
4. What’s the benefit of including bonds in goal-based planning?
They provide assured returns and stability — ideal for short-term or medium-term goals. This makes your financial plans more reliable and improves client confidence in your distribution.
