Invest with Confidence in
Fixed Income Opportunities
Secure Your Future with Trusted NCD Investments
High Fixed Returns
Earn Fixed Returns
Stable Income
Stable Income
Long-Term Wealth Creation
Wealth Creation
What are Non-Convertible Debentures (NCDs)?
Non-Convertible Debentures (NCDs) are fixed-income debt instruments issued by companies to raise long-term capital from investors.
Non-Convertible Debentures (NCDs) are fixed-income debt instruments issued by companies to raise long-term capital from investors.
When you invest in an NCD, you lend money to the issuing company for a fixed tenure. In return, the company pays you interest at predetermined intervals and repays the principal amount on maturity.
Unlike shares, NCDs do not provide ownership in the company, making them a structured fixed-income investment product.
Why Choose NCD Investments
The Record Date determines investor eligibility for:
Higher Fixed Returns
NCDs generally offer attractive fixed returns compared to many traditional savings instruments.
Stable & Predictable Income
Choose from:
> Monthly Interest
> Quarterly Interest
> Annual Interest
> Cumulative Growth Options
Portfolio Diversification
Balance your investment portfolio by adding fixed-income instruments alongside equities and mutual funds.
Listed & Tradable
Listed NCDs may be traded on stock exchanges, offering liquidity opportunities before maturity.
Understanding NCD Structure
Principal Investment
Investors subscribe to NCD units based on the issue structure.
Fixed Interest Payments
Interest payouts are predefined and remain fixed throughout the tenure unless otherwise specified.
Maturity & Redemption
At maturity, investors receive: Principal Amount Final Interest (if applicable)
NCD
Types of NCDs
Secured NCDs
Benefits: | Enhanced investor comfort | Asset-backed security structure | Lower perceived investment risk
Unsecured NCDs
These are not backed by specific collateral assets and generally offer relatively higher returns to compensate for additional risk.
NCD interest rates depend on :
Credit Rating & Investor Confidence
Liquidity & Exit Options
Listed NCDs can generally be bought or sold through stock exchange platforms, subject to market liquidity and trading volumes.
This provides investors flexibility before maturity.
Taxation on NCD Investments
Listed NCDs can generally be bought or sold through stock exchange platforms, subject to market liquidity and trading volumes.
Interest income earned from NCDs is taxable as per the applicable income tax slab of the investor.
Capital gains taxation may apply if NCDs are sold before maturity.
Investors are advised to consult their tax advisors for detailed taxation implications.
Risk Mitigation Factors
Before investing, smart investors usually evaluate:
Credit Rating
Issuer Reputation
Business Stability
Financial Strength
Asset Quality
Debt Servicing Capability
Regulatory Compliance
Industry Outlook
Who Should Invest in NCDs?
NCDs may be suitable for:
Fixed income investors
Conservative investors
HNIs & business owners
NCDs may be suitable for:
Portfolio diversification seekers
Retired individuals
Asset Quality
NCD Public Issue Process
NCD Offer Document
The Offer Document contains detailed information about:
- Company Profile
- Financial Information
- Risk Factors
- Security Structure
- Interest Rate
- Tenure
- Credit Rating
- Use of Funds
- Investor Eligibility
Investors are advised to read all documents carefully before investing.
NCD Record Date & Payments
The Record Date determines investor eligibility for:
Interest Payments
Redemption Amounts
Frequently Asked Questions
Generally, NCDs are considered relatively lower risk compared to equities because they offer fixed returns and predefined repayment structures.
Yes, listed NCDs can generally be sold through stock exchange platforms, subject to market liquidity.
Most traditional NCDs offer fixed returns throughout the investment tenure.
NCD tenures typically range from 1 year to 10 years.
Yes. Interest income is taxable as per applicable income tax laws.
Questions? Drop us a line!
If you would like more information about investment options, financial planning, or the participation process, our team is available to assist you.
You may contact us using the details below or submit your information through the enquiry form.
Before You Contact Us
To help us assist you more efficiently, please keep the following information ready:
- Basic investor details
- Approximate investment amount
This will help our team guide you through the process more smoothly.
After submitting the form, our team will review your enquiry and get in touch to provide further information.
