NCDs are debt instruments issued by companies to raise capital. Investors receive periodic interest payments and a lump sum upon maturity. Unlike convertible debentures, NCDs cannot be converted into equity shares.

Types of NCDs:

  • Secured NCDs: Backed by the issuing company’s assets, reducing default risk.
  • Unsecured NCDs: Not backed by company assets but offer higher interest rates.?

Features of NCDs:

  • Fixed Returns: Earn stable and predictable interest throughout the investment period.
  • Varied Tenures: Available in short, medium, and long-term durations to suit different financial goals.
  • Liquidity Options: Some NCDs are listed on stock exchanges, allowing easy buying and selling.
  • Interest Payout Choices: Investors can opt for monthly, quarterly, or annual interest payouts.
  • Risk-Based Returns: Secured NCDs offer lower risk, while unsecured NCDs provide higher potential returns.

NCDs are an excellent choice for investors looking to diversify their portfolio with fixed-income securities. Whether you prefer the security of asset-backed investments or higher returns from unsecured options, NCDs provide a structured and predictable earning opportunity.

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