Investment Services

Non-Convertible Debenture (NCD)

Non-Convertible Debentures (NCDs) are a type of fixed-income financial instrument that companies issue to raise long-term capital. Unlike convertible debentures, NCDs cannot be converted into equity shares of the issuing company. Investors who purchase NCDs receive regular interest payments over the life of the debenture, and the principal amount is repaid at the end of the maturity period.

NCDs typically offer higher interest rates compared to convertible debentures because they do not provide the option to convert to equity, making them purely debt instruments.
Refer RBI Circular :-
RBI/FMRD/2023-24/109
FMRD.DIRD.09/14.02.001/2023-24

0.5 % extra applicable for senior citizens

TENURE	MONTHLY SCHEME (p.a)	YEARLY SCHEME (p.a)
1 year	9.00%	9.50%
2 years	9.50%	10.00%
3 years	10.00%	10.50%
4 years	10.50%	11.00%
5 years	11.00%	11.50%

Subordinated Debt – High-Yield Investment Opportunity

Invest in our NBFC Subdebt and earn attractive returns with structured tenure and transparent terms. Strengthen your portfolio while partnering in our growth journey.
Better returns. Secure structure. Confident growth.

Income Scheme

• • Tenure: 60 Months
• • Interest:
• • 11% p.a. – Monthly Interest Payout
• • 11.5% p.a. – Yearly Interest Payout
• • Senior Citizen Benefit: Additional 0.5% p.a.

Doubling Scheme

• • Tenure: 68 Months
• • Interest: Accumulated and paid at maturity
• • Receive Principal + Total Interest at the end of 68 months
• • Designed for long-term wealth growth

Why Invest in Unidor Fincorp NCDs?