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8. Corporate Bonds & NCDs

Unsecured Non-Convertible Debentures (NCDs)

NCDs

Corporate debentures without asset backing, offering higher yield for higher risk.

Risk Level
High ★★★★☆
Liquidity
🔴 Low
Min Investment
₹10,000
Ticket Size
₹1,000 (face value)
Ideal Horizon
1–5 years
Region
India

📈 Historical Returns (Indicative)

1 Year
7.5–10%
3 Years
7.5–9.5%
5 Years
7.5–9%
10 Years
7.5–9%
20 Years
7.5–9%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Unsecured Non-Convertible Debentures (NCDs)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ High return potential over long term

Disadvantages

  • ❌ High volatility — value can fall significantly in short term
  • ❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Unsecured Non-Convertible Debentures (NCDs)

  1. For G-Secs: RBI Retail Direct portal (www.rbiretaildirect.org.in)
  2. For corporate bonds/NCDs: NSE/BSE primary market during NFO period
  3. Secondary market: through Demat account or bond platforms (Wint, GoldenPi)
  4. Minimum investment varies; check prospectus

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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