Non Convertable Debentures
Non-Convertible Debentures (NCDs)
A Stable, Fixed-Income Investment Option
Non-Convertible Debentures, commonly called NCDs, are financial instruments issued by companies to raise funds. These are suitable for individuals looking for stable and predictable returns without exposure to equity market volatility.
What Are NCDs?
NCDs are debt instruments where the investor lends money to a company in exchange for a fixed rate of interest. The term “non-convertible” means they cannot be converted into company shares.
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Types of Non-Tax Saving Funds
Key Features of NCDs
Fixed interest rates (usually higher than bank FDs)
Tenure ranges between 1 year to 10 years
Available as secure or unsecured
Tradable on stock exchanges
Benefits of Investing in NCDs
Predictable and stable income
Lower risk compared to equity products
Suitable for conservative and retired investors
Diversifies fixed-income portfolio
More liquid than traditional savings schemes
Non Tax Savings
Non–Tax Saving Mutual Funds
Flexible, Goal-Based Investment Without Lock-In
Non–Tax Saving Mutual Funds are regular mutual fund schemes that do not offer tax benefits, but they provide unlimited flexibility, high liquidity, and diverse investment options for every type of investor.
What Are Non–Tax Saving Mutual Funds?
These are mutual fund categories that focus on creating wealth, generating income, or offering balanced returns depending on the type of fund. They do not come with a lock-in period, making them ideal for goal-based investing.
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Types of Non-Tax Saving Funds
Types of Non-Tax Saving Funds
Best for long-term growth.
Examples: Large Cap, Mid Cap, Small Cap, Flexi Cap.
Low-risk investments for stable returns.
Examples: Liquid Funds, Short-Term Funds, Corporate Bond Funds.
Blend of equity + debt for balanced returns.
Examples: Aggressive Hybrid, Balanced Advantage Funds.
Benefits of Non–Tax Saving MFs
No lock-in period
High liquidity (redeem anytime)
Suitable for both short-term & long-term goals
Great for wealth creation
Wide range of options based on risk profile
Tax Savings
Tax-Saving Mutual Funds (ELSS)
Tax-Saving Mutual Funds, popularly known as ELSS (Equity Linked Saving Scheme), are one of the most preferred investment options for individuals who want tax benefits + long-term wealth creation. It is an equity-oriented mutual fund designed specifically to help investors reduce taxable income under Section 80C of the Income Tax Act.
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What is ELSS?
ELSS is a diversified equity mutual fund where the majority of the investment (65% or more) goes into equity and equity-related instruments. Since it is market-linked, returns are not fixed but have historically delivered strong long-term growth.
Tax Benefit up to ₹1.5 lakh under Section 80C
Shortest lock-in period: only 3 years
Invest via SIP or Lump Sum
High growth potential due to equity exposure
Ideal for long-term financial goals
Benefits of Tax-Saving Mutual Funds
Builds wealth while saving tax
Outperforms traditional 80C options such as PPF, FD, NSC
Helps develop disciplined investing habits
Flexible investment options
Suitable for young earners and salaried individuals
Business planning
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About client
European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. pronunciation and more common words. If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by accident, sometimes on purpose. European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. pronunciation and more common words. If several languages coalesce.
582
Projects completed for our clients.
215
+
Experienced serving to clients.
30
+
Years experience in consulting.
Project information
Skills
Photoshop, illustrator
Client
John Dibag
Completed Date
20 – 04 – 2021
Manager
Marvelon Mizuk
Location
New York, NY, USA
Project goals
European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. sometimes by accident, sometimes on purpose. European languages are members of the same family.
- Digital how will activities impact traditional manufacturing.
- All these digital elements and projects aim to enhance .
- I monitor my staff with software that takes screenshots.
- Laoreet dolore magna sodium glutimate hendrerit.
- Veniam Minim quis niacin sodium nostrud exerci dolor.
Pronunciation and more common words. If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by purpose.
Final outcome of this project
The languages only differ in their grammar, their pronu nciation and their most common words. sometimes by accident, sometimes on purpose. European languages are members of the same family european languages are members of the same family.
- How will digital activities impact traditional manufacturing.
- All these digital elements and projects aim to enhance .
- I monitor my staff with software that takes screenshots.
- Dolore magna niacin sodium aliquam hendrerit.
- Minim veniam quis niacin nostrud exerci dolor.
If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by accident, on purpose. European languages are of the same family are members of the same family.
Strength solutions
About client
European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. pronunciation and more common words. If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by accident, sometimes on purpose. European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. pronunciation and more common words. If several languages coalesce.
582
Projects completed for our clients.
215
+
Experienced serving to clients.
30
+
Years experience in consulting.
Project information
Skills
Photoshop, illustrator
Client
John Dibag
Completed Date
20 – 04 – 2021
Manager
Marvelon Mizuk
Location
New York, NY, USA
Project goals
European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. sometimes by accident, sometimes on purpose. European languages are members of the same family.
- Digital how will activities impact traditional manufacturing.
- All these digital elements and projects aim to enhance .
- I monitor my staff with software that takes screenshots.
- Laoreet dolore magna sodium glutimate hendrerit.
- Veniam Minim quis niacin sodium nostrud exerci dolor.
Pronunciation and more common words. If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by purpose.
Final outcome of this project
The languages only differ in their grammar, their pronu nciation and their most common words. sometimes by accident, sometimes on purpose. European languages are members of the same family european languages are members of the same family.
- How will digital activities impact traditional manufacturing.
- All these digital elements and projects aim to enhance .
- I monitor my staff with software that takes screenshots.
- Dolore magna niacin sodium aliquam hendrerit.
- Minim veniam quis niacin nostrud exerci dolor.
If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by accident, on purpose. European languages are of the same family are members of the same family.
Stock investments
About client
European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. pronunciation and more common words. If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by accident, sometimes on purpose. European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. pronunciation and more common words. If several languages coalesce.
582
Projects completed for our clients.
215
+
Experienced serving to clients.
30
+
Years experience in consulting.
Project information
Skills
Photoshop, illustrator
Client
John Dibag
Completed Date
20 – 04 – 2021
Manager
Marvelon Mizuk
Location
New York, NY, USA
Project goals
European languages are members of the same family. The languages only differ in their grammar, their pronu nciation and their most common words. sometimes by accident, sometimes on purpose. European languages are members of the same family.
- Digital how will activities impact traditional manufacturing.
- All these digital elements and projects aim to enhance .
- I monitor my staff with software that takes screenshots.
- Laoreet dolore magna sodium glutimate hendrerit.
- Veniam Minim quis niacin sodium nostrud exerci dolor.
Pronunciation and more common words. If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by purpose.
Final outcome of this project
The languages only differ in their grammar, their pronu nciation and their most common words. sometimes by accident, sometimes on purpose. European languages are members of the same family european languages are members of the same family.
- How will digital activities impact traditional manufacturing.
- All these digital elements and projects aim to enhance .
- I monitor my staff with software that takes screenshots.
- Dolore magna niacin sodium aliquam hendrerit.
- Minim veniam quis niacin nostrud exerci dolor.
If several languages coalesce. over the years, sometimes by accident, sometimes on purpose. Over the years, sometimes by accident, on purpose. European languages are of the same family are members of the same family.