What this service is about
These are secured interest bearing instruments with a fixed tenure issued by companies with very high safety ratings. Some NCDs are structured in a way that they get taxed as long-term capital gains, which incur lower tax rates than fixed deposits. Some of these NCDs are listed and also are eligible for loan against them.
Who this may be relevant for
Investors evaluating a suitable route for wealth creation, income, liquidity, retirement or other financial goals, subject to product suitability and risk.
What the conversation can help clarify
- Map products to the stated goal and horizon
- Understand liquidity and risk before investing
- Compare structures across market-linked and fixed-income routes
- Build a more deliberate investment decision process
Typical next-step structure
Questions about Non-Convertible Debentures
These are secured interest bearing instruments with a fixed tenure issued by companies with very high safety ratings. Some NCDs are structured in a way that they get taxed as long-term capital gains, which incur lower tax rates than fixed deposits. Some of these NCDs are listed and also are eligible for loan against them.
Investors evaluating a suitable route for wealth creation, income, liquidity, retirement or other financial goals, subject to product suitability and risk.
Review objective, time horizon, liquidity, fees, taxation and product-specific risks. Market-linked returns are not guaranteed and suitability should be considered before investing.