Looking for an investment that gives fixed returns, regular income, and clear visibility on when and how much you’ll earn?
Then Non-Convertible Debentures (NCDs) might be the right choice for you.
NCD have become a popular option because they offer higher interest rates than many traditional savings products, and they are easy to understand — even for new investors.
Let’s break it down in a simple and friendly way.
What Exactly Is an NCD?
A Non-Convertible Debenture (NCD) is a type of fixed-income investment issued by companies.
When you invest in an NCD, you’re lending money to the company for a fixed period. In return, the company pays you:
A fixed interest rate
At regular intervals (monthly, quarterly, yearly)
And once the tenure ends, you get your entire principal amount back.
It’s called non-convertible because the debenture cannot be converted into shares.
Why Do Investors Choose NCDs?
Here’s why NCDs attract both new and seasoned investors:
✔ Better Interest Rates Than FDs
NCDs usually offer higher returns compared to traditional bank deposits.
✔ Steady Income
Great for people looking for stable monthly or yearly payouts.
✔ Variety of Options
You can choose secured or unsecured NCDs depending on your risk comfort.
✔ Rated by Credit Agencies
You get a clear idea of the company’s financial strength.
✔ Tradable on Exchanges
Want to exit before maturity? You can sell your NCDs in the secondary market.
Types of NCDs You Should Know
1. Secured NCDs
Backed by company assets — safer option.
2. Unsecured NCDs
Not backed by assets — higher risk but may offer better returns.
3. Short and Long-Term NCDs
Choose tenure based on your goals.
Key Features That Make NCDs Attractive
Fixed interest rate
Multiple payout choices
Minimum investment starting small
Transparent company ratings
Listed and tradable on stock exchanges
Who Should Consider Investing in NCDs?
NCDs are a good match for:
Investors looking for better-than-FD returns
People wanting regular interest income
Retirees or senior citizens
Anyone wanting a balanced portfolio
Moderate-risk investors
Risks You Should Keep in Mind
Even though NCDs are popular, they come with certain risks:
⚠ Credit Risk
If the company’s finances weaken, they might delay payments.
⚠ Liquidity Risk
Some NCDs have low trading activity, making early exit tricky.
⚠ Interest Rate Risk
If market rates rise, your fixed payout may look less attractive.
Being aware of these helps you make smarter decisions.
How to Apply for NCDs (Easy & Quick Process)
(As you instructed: Only mention the process through RR Finance — no other platform names.)
Applying for NCDs is a smooth and straightforward process when done through RR Finance.
Here’s how you can do it:
Step 1: Visit the RR Finance Website
Open the official website and go to the Public Issues / NCD section.
Step 2: Explore Live NCD Issues
Check details like:
Interest rates
Credit ratings
Tenure options
Minimum investment
Payout frequency
Step 3: Fill Out the Application Form
Enter your:
Name
PAN
Demat details
Mobile number
Email ID
Step 4: Choose Your Payout Option
Select monthly, annual, or cumulative interest.
Step 5: Make Payment Online
Complete the payment through available online modes.
Step 6: Submit & Receive Confirmation
Once submitted, you will get a confirmation from the platform.
⭐ Dedicated Support
RR Finance also provides investor assistance during the whole application process to ensure a smooth experience.
Final Thoughts
NCDs are one of the simplest and most rewarding ways to earn fixed income without market volatility. They offer better rates, multiple payout options, and the clarity that every investor looks for.
If you’re planning to start your NCD investment journey, applying through RR Finance gives you a safe, smooth, and guided experience.
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