Fixed income

Fixed income, in fractional size.

Treasury bills, commercial papers, and fixed deposits from regulated issuers, each with a defined term, tenor, and repayment schedule.

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What is fixed income?

Fixed income products are debt instruments: you provide funds for a defined period, and the issuer repays your principal plus an agreed amount at maturity. On Orchard, this includes treasury bills, commercial papers, and fixed deposits, sourced from regulated issuers and distributed to you in fractional size.

Each product lists its own tenor, minimum investment, and terms up front, so you can compare before you invest.

How fixed income works

Choose a product

Browse available fixed income products and their listed terms: how long your money is committed (the tenor), the minimum you can invest, and who’s repaying you (the issuer).

Invest for a fixed term

Your funds are placed with the issuer for the product’s stated tenor, typically 30 to 365 days depending on the product.

Receive your payout at maturity

At the end of the term, your principal and the product’s stated return are paid out according to its schedule.

Why investors choose fixed income

Defined terms

Fixed income products with defined terms and schedules.

Short to medium cycles

Tenors typically run from 30 days to a year, so your funds aren’t locked up indefinitely.

Access to institutional-grade credit

Products sourced from regulated institutions, not informal lending arrangements.

Transparent terms

Tenor, minimum investment, and fees are disclosed before you invest, not after.

Risks you should understand

Credit risk

This is the risk that the institution repaying you (the issuer) is unable to. Orchard reviews issuers before listing their products, but the responsibility to repay you sits with them, not with Orchard.

Liquidity risk

Funds are typically committed for the product’s full tenor; early withdrawal may not be available or may carry a cost, depending on the product.

Issuer quality matters

Different issuers carry different risk profiles, so review each product’s issuer details, not just its tenor.

Products are listed only after compliance checks and issuer vetting, but you still need to assess each opportunity carefully.

Who should invest in fixed income?

You want defined terms and a set repayment schedule.
You’re comfortable assessing issuer and credit risk.
You have funds you don’t need for the length of the product’s tenor.
You want to diversify away from products you already hold.

What to look for before you invest

Issuer profile: who is repaying you, and how are they regulated?
Tenor: how long are your funds committed?
Return rate: what does the product list, and is it disclosed up front?
Minimum investment: what’s the smallest position you can take?
Redemption terms: what happens if you need your funds before maturity?

How to invest in fixed income on Orchard

1Sign up and complete verification.
2Fund your account.
3Browse fixed income products.
4Select a product and enter your amount.
5Confirm: your position appears on your dashboard.

How it plays out

Here’s the mechanic, without the specifics of any one product: you invest a fixed amount for a stated tenor. The issuer uses those funds for its stated purpose. At maturity, you receive your principal back plus the product’s stated return, minus any tax the government requires to be deducted automatically before you’re paid (withholding tax).

See a worked example

Where fixed income fits in your portfolio

Fixed income products are often used as a shorter-term allocation, a place to hold funds between other decisions, or to balance higher-risk positions elsewhere in your portfolio.

• How long can you commit these funds before you might need them?
• How does this position balance the rest of what you hold?
• Are you comfortable with this issuer’s credit profile?

See what’s available to invest in today.

Fixed income and alternative products, distributed in fractional size, ready when you are.

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