NCDs Are The Ideal Choice for Risk-Averse Investors


When it comes to investing your hard-earned money, the world of financial markets can be a labyrinth. You want something secure, consistent, and hassle-free. That's where Non-Convertible Debentures (NCDs) swoop in as your dependable investment ally.

Let's take a closer look at why NCDs are the quintessential choice, especially if you are risk-averse and keen on steady returns.

NCDs, or Non-Convertible Debentures, are a form of debt instruments issued by companies to raise capital from investors. They offer fixed interest rates and a specific maturity period, during which the issuing company pays regular and fixed interest payments to debenture holders. Unlike convertible debentures, NCDs cannot be converted into equity shares.

Now, why should you consider Muthoot FinCorp Ltd.’s NCD? Here are compelling reasons:

1. Higher Interest Rates

Muthoot FinCorp Ltd.'s NCDs generally offer higher interest rates compared to traditional fixed deposit schemes or savings accounts available in the market. With potential returns of up to 9.43%*, your investment can yield lucrative returns.

2. Regular Income Stream

Periodic interest payouts of NCDs, whether monthly, quarterly, or annually, can serve as a reliable source of regular income, aligning with your financial planning.

3. Diversification Opportunity

Investing in NCDs diversifies your investment portfolio, offering an alternative avenue to stocks, mutual funds, and traditional options.

4. Fixed Tenure

NCDs come with fixed tenures, enabling you to match your investments with specific financial goals. Choose the tenure that best suits your needs.

5. High Credit Rating

Muthoot FinCorp Ltd. NCDs are assigned credit ratings by established agencies, signifying the issuer's ability to meet financial obligations.

6. Liquidity & Tax Efficiency

Listed on stock exchanges, Muthoot FinCorp Ltd.'s NCDs provide liquidity. Additionally, depending on tax regulations, NCDs might offer tax advantages, enhancing overall efficiency.

Investing in NCDs Is A Simple Process: At Muthoot FinCorp ONE, investing in NCDs is a breeze. Here's how you can start your journey:

  • Log in: Access the Muthoot FinCorp ONE app or website.

  • Select NCD Investments: Choose from available NCD options.

  • Provide Details: Enter your email, PAN, DEMAT account, and UPI address.

  • Submit Application: Confirm and submit your application.

Clarifying Some Queries

Do I Need to Complete KYC? No, KYC is not required for NCD investments.

What's the Investment Range? Invest with as little as Rs. 10,000 up to a maximum of Rs. 5,00,000 through UPI. Higher investments can be made at a Muthoot FinCorp branch.

Can I Apply Multiple Times? Yes, you can apply multiple times, but only once for each available option, with a cumulative maximum investment limit of Rs. 5,00,000.

Can I Cancel My Application? Cancellations are possible during the bidding window, usually taking up to 24 working hours for confirmation.

NCDs stand tall as an ideal investment choice for risk-averse individuals seeking stable returns without navigating complex financial avenues. With Muthoot FinCorp Ltd.’s NCDs, embark on a secure investment journey, starting from just Rs. 10,000.

About Muthoot FinCorp ONE

Muthoot FinCorp ONE is an all-in-one digital financial platform that makes getting an MSME & a Gold Loan, investing in Digital gold & NCDs, making payments & remittances, buying insurance & exchanging forex, simple and convenient.

As an SBU of Muthoot FinCorp Limited, Muthoot FinCorp ONE is backed by a legacy stretching back over 135 years, and the trust of more than 1 crore customers and is building a holistic financial ecosystem using the latest digital products for lending, investing, protection and payments.

Muthoot FinCorp ONE continues to uphold the values of the parent, the Muthoot Pappachan Group (Muthoot Blue) by providing its customers with easily accessible services, replete with unmistakable quality. The Muthoot Pappachan Group is among India’s most reputed names in the financial services industry, with customers in diverse segments like Automotive industry, Financial Services, Hospitality, Alternate Energy, Real Estate, and Precious Metals.

So what are you waiting for? Head to the Play Store and download the Muthoot FinCorp ONE app. You can also visit the website today to know more.

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