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NCD & RBI Bonds

Add stable, fixed-income instruments to your portfolio through Non-Convertible Debentures and Government of India / RBI-backed bonds.

Overview

Non-Convertible Debentures (NCDs) are fixed-income instruments issued by companies to raise debt, offering a fixed coupon over a defined tenure. RBI/Government bonds, in contrast, carry sovereign backing and are used by conservative investors seeking safety with a steady return.

We help you understand the credit rating, coupon structure and tenure of available NCD issues, and keep you informed when new RBI/Government bond issuances open for subscription.

Key Benefits

Why It Belongs In Your Plan

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Fixed Coupon Income

Earn a predictable, periodic interest payout over the life of the bond.

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Sovereign-Backed Options

RBI/Government bonds carry sovereign credit backing, appealing to safety-first investors.

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Credit Rating Transparency

We share the credit rating of each NCD issue so you understand the risk before investing.

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Tenure Choices

Pick from short, medium or long tenure bonds depending on when you'll need liquidity.

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Portfolio Diversification

Bonds add a fixed-income layer that behaves differently from equities, smoothing overall portfolio volatility.

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New Issue Alerts

We notify you when fresh NCD or bond issues open, so you don't miss attractive windows.

How We Help You

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Issue-by-Issue Evaluation We don't recommend every bond that comes to market — only issues that fit sound credit and rate criteria.
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Plain-Language Explanations Bond offer documents are dense; we translate the coupon, tenure and rating into a clear picture.
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Held Safely in Demat Your bonds are held electronically in your Demat account alongside the rest of your holdings.

"I wanted something steadier than the stock market but better than a plain savings account. The bond options AD Investments showed me fit perfectly."

S
Suresh Chandra
Business Owner, Lucknow
Common Questions

Frequently Asked

What's the difference between an NCD and a company FD?
NCDs are tradable on stock exchanges and held in Demat form, offering potential liquidity before maturity, unlike most corporate FDs which are non-transferable.
Are RBI Bonds completely safe?
RBI/Government-backed bonds carry sovereign credit risk, which is considered very low, though returns are market-linked to prevailing rates at the time of issue and are not guaranteed to beat inflation.
Can I sell an NCD before maturity?
Listed NCDs can potentially be sold on the stock exchange before maturity, subject to market liquidity and prevailing price, which may be above or below your purchase price.
Is interest from bonds taxable?
Yes, interest income from NCDs and most bonds is taxable as per your income slab, unless specifically notified as tax-free by the issuer.

Book a Free NCD / RBI Bonds

Talk to us for free. No commitments. We'll review your financial situation and show you exactly how to move forward — step by step.

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Call Us +91 73790 08786
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WhatsApp Message us anytime
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Location Lucknow, Uttar Pradesh

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Risk Factors — Investments in securities and the securities market are subject to market risks. Please read all related offer documents / issue documents carefully before investing. Past performance is not indicative of future returns. There is no assurance or guarantee of returns on any product mentioned on this page. AD Investments acts as a distributor and does not provide investment advice unless separately agreed; please consult your financial advisor before taking any investment decision.