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NCDs

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.

what are non convertible debentures (NCDs)


Explore Non-Convertible Debentures

benefits of NCDs

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

Risks associated with Debentures

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 Debentures

Risks associated with
NCDs

    • Default Risk

    There is a possibility of the issuing company defaulting on interest payments or principal repayment.

  • Liquidity Risk

    NCDs may have limited liquidity in the secondary market, making it challenging to sell them before maturity.

  • Interest Rate Risk

    Changes in market interest rates can affect the market value of NCDs.

  • Credit Rating Risk

    NCDs with lower credit ratings carry a higher risk of default compared to higher-rated ones.

Frequently Asked Questions

Can I sell NCDs before maturity?

How can I check the current status of my NCD investment?

What happens if the issuing company defaults on payment?

Are NCDs guaranteed by the government?

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