Design Your Outcomes. Architect Your Returns.

It is a synthetic investment vehicle that combines traditional assets (like bonds or stocks) with derivatives (like options). This combination allows us to customise the return profile — for example, a product that gives you 15% of the Nifty’s upside but limits your loss to 0% if the market crashes.

The New Income Tax Act has streamlined treatment of Market Linked Instruments. While many debt products are now taxed at slab rates, we use portfolio advisory to ensure structures are classified efficiently, often utilising the 12.5% Long-Term Capital Gains rate where compliance allows.

Four key factors: Issuer Risk — structures are only as good as the bank or NBFC issuing them; we vet credit ratings. Liquidity — these are typically hold-to-maturity instruments. Complexity — ensure you understand the payoff formula; we provide scenario analysis for every structure. Counterparty Exposure — we diversify structural exposure across multiple A-rated institutions.

Yes. Many treasury solutions clients use targeted yield structures to manage surplus cash. These provide higher yield than liquid funds while maintaining a defined risk-floor.

Private banks often push their own in-house structures. Zenflow’s family office advisory operates on an Open Architecture model. We source the best payoffs from across the market to find the one that fits your math.