FD Returns Too Low? Discover This Lesser-Known Investment!

NRI Money ClinicTue, October 20, 2026 10:30amURL:
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Can secured real estate-backed debentures offer an attractive alternative to bank fixed deposits? In this episode of Expert Speaks, Dr. Chandrakanth Bhat of NRI Money Clinic speaks with Nihar from Strata about Non-Convertible Debentures (NCDs), private credit, fixed-income investments and passive income opportunities.
Understand how secured NCDs work, how they differ from unsecured debentures, and the role of real estate collateral, first-charge mortgages, escrow accounts and debenture trustees. The discussion covers regular interest payouts, investment tenures of 12–36 months, limited liquidity, credit risk, default risk, taxation of interest income, demat account requirements and NRI eligibility considerations.
We also compare NCDs vs fixed deposits (FDs), direct real estate investments and Alternative Investment Funds (AIFs). Learn why due diligence, investor suitability and diversification matter—and why secured debentures do not mean guaranteed returns.
Interested in exploring whether debenture investments suit your financial goals? Contact NRI Money Clinic through the WhatsApp link below and send “Debenture” for a suitability assessment.
#Debentures #NCDs #FixedIncome #NRIInvestments #nrimoneyclinic

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