Explore Non-Convertible Debentures
NCDs are a valuable addition to your portfolio, providing diversification and stability. They offer fixed returns and regular interest income while aiding in potential wealth creation. NCDs are suitable for investors seeking steady and predictable cash flows, making it an attractive option for conservative investors.

Explore Non-Convertible Debentures

What are NCDs?
NCDs, or non-convertible debentures, are debt instruments issued by companies to raise funds. They come with a fixed interest rate and specific tenure, providing an opportunity for investors to earn interest income while preserving their capital.
Benefits of NCDs
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Fixed Returns
NCDs offer a fixed interest rate throughout the investment period, ensuring a predictable and stable income stream.
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Diversification
Investing in NCDs adds diversification to your portfolio, reducing overall risk by incorporating a different asset class.
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Regular Income
NCDs provide regular interest payments, usually at predetermined intervals, offering a consistent cash flow.
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Potential Wealth Creation
By reinvesting the interest income, NCDs can help grow your wealth over time through compounding.

Tax implications of
NCDs
The interest earned from NCDs is considered taxable income and is added to your total income. It is subject to income tax as per your applicable tax slab. TDS (Tax Deducted at Source) is deducted on interest payouts as per prevailing tax regulations.
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Risks associated with
NCDs
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Default Risk
There is a possibility of the issuing company defaulting on interest payments or principal repayment.
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Liquidity Risk
NCDs may have limited liquidity in the secondary market, making it challenging to sell them before maturity.
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Interest Rate Risk
Changes in market interest rates can affect the market value of NCDs.
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Credit Rating Risk
NCDs with lower credit ratings carry a higher risk of default compared to higher-rated ones.
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