The Top Reasons to Add NCDs to Your Portfolio Today


Non-Convertible Debentures, or NCDs, are debt instruments issued by companies to raise capital from investors. At Muthoot FinCorp Ltd., these instruments offer fixed interest rates and a specific maturity period, ensuring regular and fixed interest payments to debenture holders. Unlike convertible debentures, NCDs can't be converted into equity shares. Instead, investors receive periodic interest income – monthly, quarterly, or annually – depending on the terms of the debenture. Upon maturity, the principal amount is returned to debenture holders.

Why Choose Muthoot FinCorp Ltd.'s NCDs?

1. Higher Interest Rates

Our NCDs offer attractive interest rates, surpassing those of traditional fixed deposit schemes or savings accounts, potentially leading to higher returns on your investment.

2. Regular Income Stream

With periodic interest payouts, NCDs provide a consistent income stream – monthly, quarterly, or annually – ideal for those seeking a steady flow of returns.

3. Diversification

Adding Muthoot FinCorp Ltd.'s NCDs to your investment portfolio diversifies your financial assets, offering an alternative avenue compared to stocks, mutual funds, and traditional investments.

4. Fixed Tenure

NCDs come with fixed tenures, allowing you to align your investments with your financial goals by selecting the tenure that suits your needs.

5. High Credit Rating

Our NCDs are assigned credit ratings by reputable agencies, signifying our capability to meet financial obligations.

6. Liquidity

Listed on stock exchanges, our NCDs provide liquidity, enabling you to sell them if needed before maturity (subject to market conditions).

7. Tax Efficiency

NCDs may offer tax advantages under prevailing regulations, potentially resulting in benefits like deductions or exemptions on interest income.

Investing Made Easy with Muthoot FinCorp ONE

Investing in NCDs through Muthoot FinCorp ONE is a breeze, requiring just three simple steps:

  • Step 1: Enter Your Details: Log in to the Muthoot FinCorp ONE app or website, providing your email address and PAN.

  • Step 2: Choose Your Investment Option: Select from the available NCD options that suit your investment preferences.

  • Step 3: Share Your Demat Details: Provide your DEMAT account details (linked to your PAN) and UPI address (VPA) to complete the process.

Answering Your Queries

  • Face Value of NCD: The face value refers to the initial value at which the debenture is issued and represents the principal amount repaid at maturity.

  • KYC Not Required: Investing in NCDs with us doesn't require completion of KYC formalities.

  • Investment Range: Invest with as little as Rs. 10,000 and up to Rs. 5,00,000 via UPI. Visit a branch for investments exceeding this amount.

  • Investing through Branch: Visit your nearest Muthoot FinCorp Ltd. branch, carrying your PAN and DEMAT account details, to invest in NCDs.

  • Applying Multiple Times: Apply multiple times via the app or website, but remember, each option can be chosen only once with a cumulative investment limit of Rs. 5,00,000.

  • Cancelling Application: You can cancel your application during the open bidding window, with confirmation taking up to 24 working hours.

In today's financial landscape, securing high returns with minimal risk is crucial. With Muthoot FinCorp Ltd.'s NCDs, you're poised to reap the benefits of fixed high returns and easy investment, starting with just Rs. 10,000. Begin your investment journey today and witness the growth of your portfolio like never before.

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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