# YIELDNEST.ONLINE - Indian Debt & Fixed Income Portal
> Real-time intelligence, yield comparison, and tax analytics on Indian Fixed Deposits, Sovereign Bonds (SCSS, RBI Floating Rate), and Corporate Debt for retail & senior citizen investors.

## Overview
YIELDNEST.ONLINE provides verified financial intelligence on fixed-income instruments in India. Rates are verified against RBI Master Directions, Deposit Insurance and Credit Guarantee Corporation (DICGC) schedules, and Ministry of Finance gazette notifications for FY 2026-27.

## Dedicated Canonical Pages & URLs
- [Bank & FD Rates Directory](https://yieldnest.online/fd-rates): Filter 25+ scheduled banks, SFBs, and corporate FDs with live certified rates.
- [FD ROI & Tax Calculator](https://yieldnest.online/calculator): Calculate quarterly compounding growth, TDS deductions, and Section 80TTB ₹50,000 exemptions.
- [Retirement Cashflow & Monthly Pension Planner](https://yieldnest.online/pension-planner): Plan monthly interest inflows using SCSS, RBI Floating Rate Bonds, and fixed deposits.
- [Multi-Asset Yield & Risk Comparator](https://yieldnest.online/compare-rates): Side-by-side comparison of risk tiers, credit ratings, DICGC insurance, and net returns.
- [DICGC Insurance & Section 80TTB Guide](https://yieldnest.online/tax-rules-80ttb): Complete statutory guide on DICGC ₹5 Lakh coverage, Form 15H/15G rules, and Section 80TTB.
- [Senior Citizen Savings Scheme (SCSS) Guide](https://yieldnest.online/senior-citizen-savings-scheme): 8.20% sovereign scheme rules, ₹30 Lakh limits, and quarterly interest schedules.
- [RBI Floating Rate Bonds Guide](https://yieldnest.online/rbi-floating-rate-bonds): Sovereign floating rate bonds pegged at NSC + 0.35% (8.05% p.a.).
- [Knowledge Base & Blog](https://yieldnest.online/guide): In-depth editorial analyses, safety reviews, and tax guides.

## Current Benchmark Rates (Verified 2026)
- SCSS (Senior Citizen Savings Scheme): 8.20% per annum (Quarterly payout, Govt of India sovereign guarantee, 5-year tenure).
- RBI Floating Rate Savings Bonds (FRSB 2020): 8.05% per annum (Linked to NSC + 35 bps, semi-annual reset).
- Top Small Finance Bank Senior FD (Unity SFB): Up to 9.50% (1001-day special tenure, DICGC insured up to ₹5 Lakhs).
- Top Public Sector Bank Senior FD (SBI Amrit Vrishti / Kalash): 7.60% - 7.75% (DICGC insured).
- Top Private Bank Senior FD (HDFC / ICICI): 7.75% (DICGC insured).
- Top AAA Corporate FD (Bajaj Finance / Shriram): 8.85% (CRISIL AAA / ICRA AA+ rated; note: corporate FDs lack DICGC insurance).

## Key Statutory Regulations & Tax Sections
- Section 80TTB (Income Tax Act 1961): Allows resident senior citizens (60+) a deduction of up to ₹50,000 per financial year on interest income from bank and post office deposits.
- Section 194A (TDS on Interest): TDS threshold is ₹50,000 for senior citizens and ₹40,000 for general depositors across bank branches.
- Form 15H: Self-declaration submitted by resident senior citizens with estimated nil taxable income to ensure zero TDS is deducted.
- DICGC Insurance: Up to ₹5,00,000 (Rupees Five Lakhs) covering principal and accrued interest per depositor per scheduled bank under the DICGC Act 1961.

## Agentic WebMCP Tools API
AI agents can programmatically invoke calculations and filter products:
- Tool Registry Endpoint: https://yieldnest.online/api/mcp/tools
- Discovery Manifest: https://yieldnest.online/.well-known/agent.json
- Callable Tools: `search_debt_instruments`, `calculate_fd_yield`, `get_statutory_rates`

## Full Documentation
For complete data tables and methodology: [llms-full.txt](https://yieldnest.online/llms-full.txt)