EPF & Investment Advisory

Investment planning session with client
Team meeting on pension strategies
Stock trading and analysis session

Maximize Wealth Guided by Prudent Investment & Efficient Tax Management

From Bonds, Equities, Mutual Funds and NPS etc.. — We are here to guide you every step of the way.

Get Started

Our Services

Exempted PF Trust Setup

Assistance in establishing Exempted PF Trusts and operational compliance.

Investment Advisory

Guidance on investment/corpus management as per EPFO Guidelines.

Monthly EPFO Filing

Support in filing monthly returns on the EPFO portal correctly.

RPFC Query Support

Guidance in handling RPFC queries in compliance with EPF MP Act 1952 and EPF scheme.

Trust Surrender Facilitation

Support in surrendering PF Trusts with EPFO and obtaining surrender certification.

Other Operational Support

provide all necessary assistance to ensure smooth and EPFO compliant trust operation.

Investment Product Advisory

Corporate FDs

Support in investment in corporate fixed deposits.

Bonds & Debentures

Primary and secondary market investments for stable returns.

RBI bonds & 54EC Capital Gain Bonds

Investments in RBI Bonds and Capital Gain bonds for saving long term Capital Gain.

Unlisted Shares

Support in purchase of unlisted equity shares with opportunities providing long-term value.

Mutual Funds

Portfolio diversification through investments in mutual funds tailored to your risk profile.

Insurance Products

Health, general, travel, home, and motor insurance via our channel partners.

A Preamble to Bonds & Debentures

Bonds or Debentures are debt instruments floated by the issuer for the purpose of raising funds.

⏵ Similar to FDs, they are loan agreements between the issuer and subscriber with a specified repayment schedule as per the prospectus/information memorandum filed with regulators.

⏵ Most bonds have a fixed interest rate and maturity date.

Guaranteed/ Quasi Sovereign Bonds

Bond Credit Rating Guarantee Maturity Interest Dates YTM
9.49% Kerala Infra Inv. Fund Board AA (CE) Kerala Govt. 2028–2034 31/03, 30/06, 30/09, 30/12 9.25%+
9.42% Kerala Infra Inv. Fund Board AA (CE) Kerala Govt. 2028–2034 08/01, 08/04, 08/07, 08/10 9.25%+
9.67% Kerala Infrastructure Investment Fund Board AA (CE) Kerala Govt. 2029-2035 08/02,08/05,08/08, 08/11 9.50%+
9.35% Telangana Ind. Inv. Corp (Secured) AA (CE) Telangana Govt. 2028–2035 31/03, 30/06, 30/09, 31/12 9.00%+
9.30% Andhra Pradesh Min. Dev. Corp (Secured) AA (CE) Andhra Pradesh Govt. 2027–2034 08/02, 08/05, 08/08, 08/11 9%+

Private Bonds

Name of Security Credit Rating Maturity Interest Dates YTM
9.50% Samman Capital Ltd 2029 (Secured) AA 19/06/2029 19/06 Annual 11.50%+
9.25% IIFL Finance Ltd 2032 (Sub Debt) AA 24/06/2032 1st day of month 10.20%+
11.00% Utkarsh Small Finance Bank 2031 (Call 26/06/2029) A+ 28/06/2031 28/03, 28/06, 28/09, 28/12 10.00%
7.37% Axis Finance 2028 (Secured) AAA 23/08/2028 23/08 Annual 7.00%+
9.30% Adani Enterprises Ltd 2030 AA= 17/07/2030 17/07 Annual 9.10%+
9.10% Reliance General Insurance Ltd 2026 A 17/08/2026 17/08 Annual 9.00%

Bonds are subject to availability and yields depend on market conditions. Many more bonds available.

What Our Clients Say

“We are able generate surplus after distribution of notified interest to members on account of their valuable suggestions.”

M. Ganapathy Raman

“Myself and my team members are thankful to them as they could manage in getting Trust wiping out the losses of the past, in 6-7 years and also supported in surrender of the Trust.”

A Shanmugasundaram

“Our management has been cautioned on the proposal of investment in Dewan Housing & SREI Group companies which we ultimately avoided. It was a great save for us, as these companies defaulted in their obligation.”

Sunitha V

“I feel I have invested my retirement corpus efficiently. But for their support, I had little option to choose from Bank FDs.”

A Rathinasamy - Coimbatore

“I am not only happy with the advice, they also provide excellent post sale service and support.”

S Padmanabhan - Bangalore

“Only through their guidance I could get to know investment in Bonds at times provide tax efficient return also.”

Vimala Ramakrishnan

“I got guided by them with regard to investment in unlisted shares.”

Dr. Chandra

“I was impressed by the vast knowledge in various financial products like Equity, Mutual Funds, Bonds etc.”

Rajagopalan R

“Nowadays I go by what they say. That is the trust they have built on me.”

M Karthikeyan

“I am impressed by their approach as unlike many other advisors, they suggest to invest only on getting convinced and obtaining reasonable clarity.”

John Britto

“Professional & knowledgeable team…”

Anwar Sadiq V

Contact Us

General Enquiries

+91 91640 42104

vknepfadvisory@epfvkn.com

Venkatesan Krishnan

No.22 Swathi Court, Vijayaragava Road,
T Nagar, Chennai - 600 017

+91 98403 61640

vknatarajan@epfvkn.com

Sabapathy Natarajan

No.104 Shakti Mansion,
Ramamurthynagar,
Bengaluru - 560016

+91 91640 42104

rsnatarajan@epfvkn.com

Arindam Chakraborthy

17/2A, Burdman Road,
Anandkunj,
Kolkata - 700 027

+91 90070 03053

akbadvisors@epfvkn.com