Fixed deposit rate comparison, bond analysis, NCD evaluation, SGBs, tax-free bonds. Use for FD comparison, bond investing, or fixed income allocation.

FD & Bond Analysis

Step 1: What Do You Need?

Ask the user:

A) Compare FD rates across banks
B) Bond/NCD evaluation
C) SGB (Sovereign Gold Bond) analysis
D) Tax-free bond assessment
E) Debt portfolio optimization

FD Comparison

bash ${CLAUDE_PLUGIN_ROOT}/scripts/fd-compare.sh

Search the web for latest FD rates from: SBI, HDFC Bank, ICICI Bank, Kotak, Axis, small finance banks (Ujjivan, Equitas, AU SFB), corporate FDs (HDFC Ltd, Bajaj Finance, Mahindra Finance).

Compare: rate, tenure, senior citizen premium, tax treatment (TDS above Rs 40K), premature withdrawal penalty.

Bond/NCD Analysis

For any bond/NCD: coupon rate, yield to maturity, credit rating (CRISIL/ICRA/CARE), maturity date, call/put options, liquidity.

Post-tax yield comparison: FD vs NCD vs debt MF at client's tax slab.

SGBs

Current tranche price and gold price premium/discount
2.5% annual interest (taxable)
LTCG tax-free if held to maturity (8 years)
Exit after 5th year allowed
Listed on NSE/BSE (secondary market, may trade at premium/discount)

Tax-Free Bonds

NHAI, REC, PFC, IRFC — listed, secondary market only. Tax-free interest, effective yield comparison with taxable instruments at client's slab.