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Zero Risk Investment | FD से बहुत अच्छा | Fixed Return | stock market for beginners - YouTube
Channel: Mukul Agrawal
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Hello everyone, how are you all?
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And what is your latest news and state?
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Look, today’s video is going to be special for you.
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Because today I’m going to tell you,
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One such way of investment,
Whereyou’ll get a fixed return.
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Meaning that when you’ll do this investment,
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You’ll not have to look at company’s shares.
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Whether it’s up or down, your return will be fixed.
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So, are you ready to know this method?
So, I, Mukul Agrawal,
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welcome you to your own YouTube channel.
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All the new people do subscribe the channel,
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and hit the bell icon. And never miss the show at 8:30pm,
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where we give some trade, so that you, our family, can earn.
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And for any breaking news related to stock market,
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Connect to our twitter and telegram.
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All the breaking news would be first available to just you.
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The link is in the description, do check it.
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A lot of fake channels are running these days.
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See that you don’t become their victim.
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So, join only after matching the link.
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Today, I’m going to tell you about NCD.
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I told you at the beginning of the video,
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That you’ll get a fixed return.
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Meaning that, in a way,
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NCD is a safeguard for your portfolio.
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So now you’ll be wondering that what exactly is NCD?
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NCD i.e., Non-Convertible Debenture,
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Is a financial instrument used by companies,
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To gather money through public issue.
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If you want a good return along with safety of your money,
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Then investing in NCD is a wonderful option.
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NCD, like IPO, is a way of gathering money for companies,
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But there’s some difference between them too.
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When a company makes money through NCD,
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It takes it like a debt. And therefore,
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The company has to pay interest on the taken debt.
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Also, NCD has a fixed maturity date.
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In this, the investor gets return with interest.
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Now, types of NCD. NCD are of two types.
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First is secured NCD. Now you’ll ask what’s secured NCD.
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So, in this, the company has its security.
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i.e., if the company doesn’t return the investor their money,
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then the investor can get their money by selling the company’s assets.
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Second is unsecured NCD.
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The second type of NCD is unsecured NCD.
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In this there’s no security of the company.
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i.e., if the company doesn’t investor’s money to them,
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then in such cases, it’s difficult for the investor,to get back their money.
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In comparison to secured NCD, there’s more risk in unsecured NCD.
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But experts believe that in debt instruments like NCD,
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There’s better return as compared to traditional debt investors.
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And hence investors can think about including this in their portfolio.
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Like bank’s fixed deposit, NCD doesn’t fall under tax deducted at source (TDS),
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But the earning on this in the form of interest,
Will be considered as your income.
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Then there’d be tax on it depending on your tax slab.
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These rules are for the income in the form of NCD.
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If you buy a NCD from the stock exchange,
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And then there are capital gains on it,
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Then you’ve to give tax on it acc. to capital tax gains.
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Recently only, Edelweiss financial services ltd.,
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Has proposed to introduce NCD.
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Here, Edelweiss financial services, since 6th Dec 2021,
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Has issued a non-convertible debenture of 500Cr Rs.
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So, if you invest in this, then depending on your tenure,
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You can get a return ranging from 8.50% to 9.70%.
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For ex. If you stay invested for 24 months i.e., 2 years,
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Then you get 8.75%. If you stay invested for 5 years,
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Then 9.55%, and if you stay invested for 10 years,
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Then you can get a return of as much as 9.70%.
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If we talk about the rating of the issue,
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Then they’ve got a rating of AA- from Crisil,
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And a rating of AA from Acuite which is a negative outlook.
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What is the face value of NCD? 1000 Rs.
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Meaning that you can invest a minimum of 1000 Rs.
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The coupon rate here would be of 9.70% p.a.
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Now, here, an additional incentive of 0.20% p.a.,
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Will be given to those investors, who before too,
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Had purchased an NCD or bond through Edelweiss.
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Talking about the issue period, it is from 6th to 27th Dec 2021.
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And if you want to know in more depth,
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Then their link is in the description,
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From where you’d be able to learn about NCD in detail.
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To invest in NCD, you also need a demat account.
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Edelweiss group is the country’s leading diversified financial company,
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And it’s a diversified business. Post the pandemic,
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The company’s business performance has been very good.
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There has been a good growth in their asset management,
And wealth management business too.
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And their insurance business keeps on performing better constantly,
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Now, here,
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We’ll be sharing their balance sheet with you,
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Where you can see that they have a strong capital and decent liquidity.
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It’s right in front of you, how, their total asset keeps on increasing.
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For the last 10 years, the company has constantly,
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Picked money up from the market and also,
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Their track record with their clients is really great.
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Overall, the company is in a strong position.
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Now, let’s know what all things you should keep in mind,
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before investing in NCD. Because I feel that,
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we should know each and everything. So that,
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we can be our own boss and take the right decision.
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So, first of all you’ve to see if the NCD is secured or unsecured.
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An investor should check this before investing in NCD.
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Other than this, like the risk in secured NCD is less,
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The investor should pay attention to the duration of the NCD.
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With respect to risk, if the duration of the NCD is less,
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Then it is good for the investor. Now, here,
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We should also look at the interest rate.
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Before investing in any NCD, we should check,
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That how much interest rate the company is offering.
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And through this, you can calculate the returns,
Post tax and inflation.
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So, I hope that,
You would have (understood) a better investment option,
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Because you do know how FDs give low interest.
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And if someone wants to invest money for a year or two,
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And there if he gets better than FD,
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And gets it in a secured way, then it’s better.
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I think that if you liked this information,
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Then do like, comment, share, so that we get to know,
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Has any of you invested in NCD before?
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If not, then do tell us. We’ll bring more such videos in the future.
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Do share with people and keep giving us your love.
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Thank you so much.
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