Invest in NCDs
Get Fixed High Returns
Start your investment with just ₹10,000
Invest in 3 Easy Steps
STEP 1
Enter your details
STEP 2
Choose Your Investment Option
STEP 3
Share Your Demat Details
Benefits of NCD
Build your investment portfolio with as low as Rs. 10,000 and get high returns of up to 9.43%*
No KYC
Fast track your investments
Financial Stability
High-yield low-risk investment
Easy Investment
Hassle-free process
Flexible Tenure
Durations thats suits your needs
Disclaimer
The issue shall remain open for subscription on Working Days from 10:00 am to 5:00 pm.
(Indian Standard Time) during the period as indicated above Our Company may,
in consultation with the Lead Manager consider closing the issue on such earlier date of
extended date (subject to a minimum period of three working days and a maximum period
of 10 working days from the date of opening of the and subject to not exceeding thirty days
from filing Prospectus with ROC, including any extensions), as may be decided by the Board
of Directors or a duly constituted committee thereof of the Company subject to relevant
approvals accordance with the SEBI NCS Regulations in the event of an early closure or
extension of the issue our Company shall ensure that notice or the same as provided to
the prospective investors through an advertisement in an English daily national newspaper
with wide circulation and a regional daily with wide circulation where the registered
office of the Company is located in all the newspapers in which prese advertisement
for opening of this issue has been given on or before such earlier or initial tare of
issue closure. A copy of the Prospectus shall be filed with the RoC in terms of Section
26 of the Companies Act, 2011 along with the requisite endorsed/certified copies of all
requisite documents. For further details please see "Material Contracts and Documents for
inspection on page 258.
Other Terms & Conditions
Muthoot FinCorp Limited, subject to market conditions and other considerations, is proposing a public
issue of Secured and Redeemable Non-Convertible Debentures (collectively "NCD) and has filed the prospectus
dated March 29, 2023 (the Prospectus) with the Registrar of Companies, Kerala and Lakshadweep, BE Limited
and SEBI. The Prospectus dated March 29, 2023 is available on our website www.muthootfincorp.com on the
website of the stock exchange at www.bseindia.com and the website of the Lead Manager www.smccapitals.com.
investors proposing to participate in the issue should invest only on the basis or information contained in
the Prospectus dated March 29.2023 Investors should note that investment in NCDs involves a high degree of
risk and for details relating to the same, please refer to the Prospectus including the section Risk Factors
beginning on page 17 of the Prospectus dated March 29, 2023
What our Customers Say
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Frequently Asked Questions
What is NCD (Non-Convertible Debenture)?
NCD is the abbriviation for Non-Convertible Debenture. It is a type of debt instrument issued by a company to raise capital from its investors. NCDs offer fixed interest rates and a specific maturity period, during which the issuing company pays regular and fixed interest payments to its debenture holders. Unlike the regular convertible debentures, you cannot convert NCDs into equity shares.Investors in NCDs receive their interest income periodically. These are monthly, quarterly, or annually, depending on the terms of the debenture. At the end of the NCD maturity period, the issuing company then returns the principal amount to its debenture holders.
Benefits of investing in Muthoot FinCorp Ltd’s NCD?
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 an investment in NCD, you can potentially get higher returns on your investment.
Regular income:NCDs have periodic interest payouts, which can be monthly, quarterly, or annually. This can be beneficial if you are seeking a regular income stream from your investments.
Diversification:Investing in Muthoot FinCorp Ltd.'s NCDs can diversify your investment portfolio as they provide an alternative investment avenue to stocks, mutual funds, and other traditional investment options.
Fixed tenure: NCDs have fixed tenure, ranging from a few months to several years. This allows you to align your investments with your financial goals and choose the tenure that suits your requirement.
High credit rating:Muthoot FinCorp Ltd. NCDs are assigned credit ratings by established credit rating agencies. A higher credit rating indicates the issuer's ability to meet its financial obligations.
Liquidity:Muthoot FinCorp Ltd. NCDs are listed on stock exchanges, which provides liquidity to investors. If you need funds before the maturity of NCD, you have the option to sell them on the stock exchange. Please note that this is, subject to market conditions and demand.
Tax efficiency:NCDs may offer tax advantages depending on the prevailing tax regulations the country. Interest income from NCDs is generally taxable, but you may benefit from certain deductions or exemptions.
How to invest in NCDs?
You can invest in NCDs either through the Muthoot FinCorp ONE app or website. all you have to do is:
- 1.Log in to the Muthoot FinCorp ONE app or website
- 2.Select NCD Investments
- 3.Provide your email address and PAN.
- 4.Select from the available NCD options
- 5.Provide your DEMAT account details (please ensure it is linked to your PAN)
- 6.Provide the UPI address (VPA)
- 7.Click to submit your application
What is the face value of NCD?
The face Value of an NCD refers to the nominal or par value of the debenture. It is the initial value at which the debenture is issued and represents the principal amount that will be repaid to the debenture holder at the time of its maturity.
Do I need to complete my KYC to invest in NCD?
No, KYC is not required to invest in NCD.
What is the minimum and maximum amount that I can invest?
You can invest in NCD with as little as Rs. 10,000 and a maximum value of upto Rs. 5,00,000 through UPI. To make an investment higher than Rs. 5,00,000 please visit the nearest Muthoot FinCorp branch. Please note that it is mandatory to have a DEMAT account to invest in NCD.
How to invest in NCD through Muthoot FinCorp Ltd. branch?
You can also visit your nearest Muthoot FinCorp Ltd. branch to make an NCD investment. Here a branch associate will help you in filling out the application form and complete the necessary steps. Please ensure that you carry your PAN and DEMAT account number and bank account details (Please note that it is mandatory to have a DEMAT account to invest in NCD).
Can I apply multiple times for NCD ?
Yes, you can apply multiple times through the app and website, however, you can only apply for one option once. Also, there is a cumulative maximum investment limit of Rs. 5,00,000. For example, if you apply first for Option 1 with Rs. 2,00,000 as investment, in the second application you can choose all the available Options apart from Option 1 and invest up to Rs. 3,00,00 while doing so.
Can I cancel my application?
Yes, you can cancel your application anytime when the bidding window is open. It might usually take upto 24 working hours to receive confirmation post submitting cancellation request.
