Looking for a safer investment option with predictable returns, better than traditional FDs?
July 2025 brings three attractive Secured Non-Convertible Debentures (NCDs) from reputed financial companies – Muthoot Fincorp Ltd, Edelweiss Financial Services Ltd and Adani Enterprises Ltd.
These NCDs offer 9% p.a. to 10.50% p.a. returns (depends on tenure), flexible tenures, and are ideal for investors looking for steady income or wealth compounding.
🏢 Company Profiles
🔶 Muthoot Fincorp Ltd
Muthoot Fincorp Ltd is one of India’s leading NBFCs and part of the Muthoot Pappachan Group. The company specializes in:
- Gold loans
- Small business loans
- Affordable housing finance
It operates over 3,600 branches across India and serves millions of customers, especially in rural and semi-urban areas.
Key Strengths:
- Trusted brand in gold loans
- Strong branch network
- Consistent performance in retail lending
🔷 Edelweiss Financial Services Ltd (EFSL)
Edelweiss is a diversified financial services group offering:
- Wealth management
- Asset management
- Credit and insurance
- Capital market services
EFSL is the flagship company of the group and is well-regarded in the structured credit and debt capital markets segment.
Key Strengths:
- Strong institutional expertise
- Diversified financial business
- Transparent governance and ratings
🟠 Adani Enterprises Ltd
Adani Enterprises Ltd (AEL) is the flagship company of the Adani Group, one of India’s largest conglomerates. AEL incubates and operates key businesses in:
- Renewable energy
- Transport & logistics
- Mining and airports
Strengths:
✔ Strong balance sheet and promoter backing
✔ Strategic importance across sectors
✔ New-age infrastructure business exposure
📊 NCD Interest Rate Comparison (Indicative)
| Issuer | Tenure | Interest (Annual Payout) | Cumulative Option |
|---|---|---|---|
| Muthoot Fincorp Ltd | 24 Months | 09.20% p.a. | ₹1,000 → ₹1,192 approx. |
| ✅Date 4 July 2025 to 17 July 2025 | 36 Months | 09.45% p.a. | ₹1,000 → ₹1,311 approx. |
| 60 Months | 09.70% p.a. | ₹1,000 → ₹1,589 approx. | |
| Edelweiss Financial Services Ltd | 24 Months | 09.00% p.a. | ₹1,000 → ₹1,188 approx. |
| ✅Date 8 July 2025 to 21 July 2025 | 36 Months | 09.75% p.a. | ₹1,000 → ₹1,322 approx. |
| 60 Months | 10.25% p.a. | ₹1,000 → ₹1,629 approx. | |
| Adani Enterprises Ltd | 24 Months | 08.95% p.a. | ₹1,000 → ₹1,187 approx. |
| ✅Date 9 July 2025 to 22 July 2025 | 36 Months | 09.15% p.a. | ₹1,000 → ₹1,301 approx. |
| 60 Months | 09.30% p.a. | ₹1,000 → ₹1,560 approx. |
📌 Rates and maturity values are indicative and subject to official product note.
✅These are limited-period offers and may close early upon full subscription.
💼 Key Highlights
✅ Secured NCDs – backed by company assets
✅ Regular income via monthly/annual interest pay-out
✅ Higher returns compared to Bank FDs
✅ Ideal for conservative to moderate-risk investors
📝 How to Apply?
- Minimum Investment: ₹10,000
- Available in Demat Form
- First-Come, First-Serve Basis
- These are limited-period offers and may close early upon full subscription.
- Can be applied via online trading platforms or through mutual fund distributors
📞 Need Help?
Contact us for the Application Form, Product Notes, or Personalized Assistance.
These are limited-period offers and may close early upon full subscription.
