{"id":5994,"date":"2026-10-20T10:30:00","date_gmt":"2026-10-20T10:30:00","guid":{"rendered":"https:\/\/nrimoneyclinic.com\/V1\/fd-returns-too-low-discover-this-lesser-known-investment\/"},"modified":"2026-10-20T10:30:00","modified_gmt":"2026-10-20T10:30:00","slug":"fd-returns-too-low-discover-this-lesser-known-investment","status":"publish","type":"post","link":"https:\/\/nrimoneyclinic.com\/V1\/fd-returns-too-low-discover-this-lesser-known-investment\/","title":{"rendered":"FD Returns Too Low? Discover This Lesser-Known Investment!"},"content":{"rendered":"<iframe  src=\"https:\/\/www.youtube.com\/embed\/XLJ0PH-TWDs?autoplay=0&cc_lang_pref=en&cc_load_policy=0&color=0&controls=0&fs=0&h1=en&loop=0&rel=1\"  title=\"YouTube video player\"  class=\"ayvpp responsive\"  width=\"506\"  height=\"304\"  data-ratio=\"16:9\"  frameborder=\"0\" allowfullscreen allowTransparency=\"true\"  ><\/iframe><p>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 <!--more--> passive income opportunities.<br \/>\nUnderstand 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\u201336 months, limited liquidity, credit risk, default risk, taxation of interest income, demat account requirements and NRI eligibility considerations.<br \/>\nWe 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\u2014and why secured debentures do not mean guaranteed returns.<br \/>\nInterested in exploring whether debenture investments suit your financial goals? Contact NRI Money Clinic through the WhatsApp link below and send \u201cDebenture\u201d for a suitability assessment.<br \/>\n#Debentures #NCDs #FixedIncome #NRIInvestments #nrimoneyclinic <\/p>\n<p>LINK TO REGISTER FOR THE WEBINAR<br \/>\n &#8220;STRESS FREE RETIRED LIFE IN INDIA&#8221;<br \/>\n<a href=\"https:\/\/us06web.zoom.us\/webinar\/register\/3617892138642\/WN_Ps82sLY7TZmnnkgO2JWMQg\" target=\"_blank\" rel=\"nofollow\">https:\/\/us06web.zoom.us\/webinar\/register\/3617892138642\/WN_Ps82sLY7TZmnnkgO2JWMQg<\/a><\/p>\n<p>You can reach to us by sending a message on WhatsApp<br \/>\nWhatsApp Number: +971 551124596<br \/>\nOr click on the link below<br \/>\n<a href=\"https:\/\/wa.link\/2jh25k\" target=\"_blank\" rel=\"nofollow\">https:\/\/wa.link\/2jh25k<\/a><\/p>\n<p>We are not SEBI Registered Investment Advisors<br \/>\nWe are AMFi Certified Mutual Fund Distributors<\/p>\n<p>Services offered by NRI Money Clinic<br \/>\n* Life &amp; Critical Illness Insurance.<br \/>\n* Child education<br \/>\n* Emergency Funds<br \/>\n* Retirement Plan<br \/>\n* Health Insurance<br \/>\n* Wealth Building<br \/>\n* Tax planning ( investments to minimise tax impact)<br \/>\n* Dollar investment ( Only for NRIs in  Middle East and Africa )<br \/>\n* Mutual Funds ( NRIs other than in US &amp; Canada)<br \/>\n* PMS ( Portfolio Management Service)<br \/>\n* Fractional Real Estate<br \/>\n* Cash flow planning (Pension, Guaranteed Return plan , Fractional real estate)<br \/>\n* Tax filing and chartered accountant services. (Outsourced services)<br \/>\n* Wills and inheritance planning.  (Outsourced services)<br \/>\n* Property record legal verification (Outsourced service)<br \/>\n* Real Estate in Dubai (Outsourced service)<br \/>\n* Real Estate in Mumbai and Goa (Outsourced service)<\/p>\n<p>In case you are interested in using our services you can send a message on Watsapp:00971 551124596  or click on the link below<\/p>\n<p><a href=\"https:\/\/wa.link\/2jh25k\" target=\"_blank\" rel=\"nofollow\">https:\/\/wa.link\/2jh25k<\/a><\/p>\n<p>To know more about our business and our business model please watch the below video<br \/>\n<a href=\"https:\/\/lnkd.in\/g7cj2rgJ\" target=\"_blank\" rel=\"nofollow\">https:\/\/lnkd.in\/g7cj2rgJ<\/a><\/p>\n<p>Our Website: www.nrimoneyclinic.com<br \/>\nLinkedIn: <a href=\"https:\/\/www.linkedin.com\/company\/nrimoneyclinic\/\" target=\"_blank\" rel=\"nofollow\">https:\/\/www.linkedin.com\/company\/nrimoneyclinic\/<\/a><br \/>\nFacebook: <a href=\"https:\/\/www.facebook.com\/NRIMoneyClinicOfficial\" target=\"_blank\" rel=\"nofollow\">https:\/\/www.facebook.com\/NRIMoneyClinicOfficial<\/a><br \/>\nInstagram: <a href=\"https:\/\/instagram.com\/nrimoneyclinicofficial?igshid=ZDdkNTZiNTM=\" target=\"_blank\" rel=\"nofollow\">https:\/\/instagram.com\/nrimoneyclinicofficial?igshid=ZDdkNTZiNTM=<\/a><\/p>\n<p>CHAPTERS<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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<\/p>\n","protected":false},"author":1,"featured_media":5996,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[101],"tags":[],"class_list":["post-5994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-videos"],"acf":[],"jetpack_featured_media_url":"https:\/\/nrimoneyclinic.com\/V1\/wp-content\/uploads\/2026\/10\/XLJ0PH-TWDs.jpg","_links":{"self":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/posts\/5994","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/comments?post=5994"}],"version-history":[{"count":0,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/posts\/5994\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/media\/5996"}],"wp:attachment":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/media?parent=5994"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/categories?post=5994"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/tags?post=5994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}