Best Non-Convertible Debentures Advisor in KR Puram, Bangalore
At Borrow Right, in collaboration with Paisa Nurture, we bring you exclusive access to Non-Convertible Debentures (NCDs) – a secure investment avenue designed to offer higher returns compared to traditional fixed deposits. NCDs are issued by corporates and financial institutions, providing investors with predictable interest payouts and fixed tenure options. If you’re seeking stable income with attractive returns, NCDs can be an excellent addition to your investment portfolio.
Features & Benefits of NCDs
- 💰 High Returns – Earn higher interest rates compared to bank FDs.
- 📆 Fixed Tenure – Investment period ranges from 1 to 10 years.
- 🔄 Liquidity Options – Some NCDs are listed on stock exchanges, offering early exit.
- 🔒 Secured Investments – Backed by company assets (in case of secured NCDs).
- 🏦 Regular Payouts – Choose monthly, quarterly, or annual interest options.
- 🌟 Diversification – Balances your portfolio with stable fixed-income securities.
Importance of NCDs in Your Portfolio
While equity and mutual funds bring growth potential, every investor needs a stable income-generating instrument to balance market volatility. NCDs provide this stability, ensuring predictable cash flow and helping you plan financial commitments like EMIs, education, or retirement needs. Their higher yield compared to fixed deposits makes them a smart choice for conservative as well as balanced investors.
How to Choose the Right NCD
- ✔️ Check Credit Rating – Higher-rated NCDs carry lower risk.
- ✔️ Compare Interest Rates – Evaluate across issuers for the best returns.
- ✔️ Assess Liquidity Needs – Listed NCDs allow trading on exchanges.
- ✔️ Understand Security – Prefer secured NCDs to minimize risk.
- ✔️ Diversify – Don’t invest all funds in a single issuer.
Common Myths & Mistakes to Avoid
- ❌ Myth: NCDs are risk-free like bank FDs.
✅ Reality: NCDs carry company-specific risk, so credit rating matters. - ❌ Myth: All NCDs guarantee liquidity.
✅ Reality: Liquidity depends on exchange listing & market demand. - ❌ Mistake: Chasing only high interest.
✅ Always balance returns with creditworthiness of the issuer. - ❌ Mistake: Ignoring tax implications.
✅ Interest earned is taxable under your income bracket.
Why Choose Borrow Right for NCD Investments?
- 🌍 Trusted Partnership – Powered by Paisa Nurture to provide reliable corporate NCD options.
- 📊 Wide Selection – Access to secured, unsecured, cumulative, and non-cumulative NCDs.
- 💡 Expert Guidance – Advisory to match NCDs with your investment goals.
- 📍 Local Support – Based in KR Puram, Bangalore, offering personalized service.
- ⚡ Quick Process – Seamless documentation and easy investment onboarding.
