Fixed Deposits and NCDs

Secure & Stable Returns with NCDs & Fixed Deposits

Reliable investment solutions designed for steady income and capital protection. Let us help you navigate the safest paths to financial growth.

 
 
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What are NCDs & Fixed Deposits (FDs)?

Non-Convertible Debentures (NCDs) and Fixed Deposits (FDs) are fixed-income investment options designed to offer capital safety, predictable returns, and steady income. These instruments are ideal for investors seeking stability, low risk, and clearly defined interest payouts, especially during volatile market conditions.

At DDR Capitals, we help you choose carefully evaluated FDs and high-rated NCDs aligned with your income needs and financial goals.

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Safe Investment Options

Whether you are looking for the absolute safety of bank deposits or higher yields from corporate debentures, we have the right mix for your portfolio.

Fixed Deposits (FDs)

Guaranteed returns with capital safety
 
Low Risk
 

Fixed Deposits are one of the safest investment avenues, offering a fixed interest rate for a specific tenure. Ideal for conservative investors looking for predictable income without market volatility.

High Safety

Bank-backed security

Fixed Tenure

7 days to 10 years

Regular Income

Monthly/Quarterly payouts

Types Available

Bank FDs
Corporate FDs
Senior Citizen FDs

Non-Convertible Debentures

Higher yields for smart investors
 
Moderate Risk
 

NCDs are fixed-income instruments issued by corporates to raise funds. They typically offer higher interest rates than traditional FDs, making them attractive for boosting portfolio returns.

Higher Returns

Beat inflation easily

Secured Options

Backed by company assets

Liquidity

Tradable on exchanges

Key Features

Secured & Unsecured
Credit Rated (AAA, AA)
Listed & Unlisted

NCDs vs Fixed Deposits

Feature
Fixed Deposits (FDs)
NCDs
Risk Level Low
Low to Moderate
Returns Moderate (Fixed)
Higher than FDs
Safety High (Bank-backed)
Depends on Rating (AAA/AA)
Liquidity Penalty on early exit
Tradable on exchanges (if listed)
Interest Payout Monthly/Quarterly/Annual
Monthly/Quarterly/Annual
Taxation Fully Taxable (Income Slab)
Taxable (Capital Gains if traded)

Why Choose NCDs & Fixed Deposits?

Secure investment options designed to deliver stable returns, capital protection, and predictable income.

Capital Safety

Preserve your hard-earned money with investment options designed to prioritize capital protection, making them ideal for conservative investors and retirees.

Assured & Predictable Returns

Enjoy fixed interest payouts with clearly defined returns, helping you plan cash flows and financial goals with confidence.

Low Risk Investment

NCDs and Fixed Deposits offer lower volatility compared to market-linked instruments, ensuring stability even during uncertain market conditions.

Flexible Tenures

Select investment tenures that match your financial timeline, from short-term parking of funds to long-term income planning.

Regular Income Options

Choose monthly, quarterly, or annual interest payouts—perfect for investors seeking a steady income stream.

Trusted Issuers & Ratings

Invest through carefully selected banks, NBFCs, and corporates with strong credit ratings, backed by expert due diligence.

Why Choose DDR Capitals?

Choose the right portfolio management approach for your investment style

15+ Years of Excellence

Serving clients since 2002 with proven investment strategies and consistent performance

SEBI-Registered Partners

Working with registered and compliant portfolio management services for your peace of mind

Transparent & Ethical

No hidden charges, complete transparency in all transactions and regular performance reporting

Personalized Advisory

Customized investment strategies aligned with your financial goals and risk tolerance

Dedicated Relationship Managers

Your personal advisor available for consultation and portfolio reviews

Proven Track Record

Consistent performance with client portfolios growing steadily over the years

How We Help You Invest

A systematic approach to achieving your financial goals

Understanding Your Profile

Comprehensive assessment of goals, risk tolerance, and investment horizon

Fund Screening

Curated selection from 100+ SIF options based on your criteria

Due Diligence

In-depth analysis of fund performance, management, and strategy

Portfolio Allocation

Strategic distribution across selected SIFs for optimal diversification

Ongoing Monitoring

Quarterly reviews and rebalancing to maintain alignment

Key Benefits

What you get when you invest with DDR Capitals

Personalized Advisory

One-on-one consultations with dedicated advisors who understand your unique wealth goals and family dynamics.

Institutional Research

Access to proprietary research reports, market intelligence, and fund manager interviews before making decisions.

Quarterly Performance Reviews

Detailed portfolio analysis every quarter with actionable insights and rebalancing recommendations.

Integrated Wealth Planning

SIF investments integrated with your overall financial plan including tax optimization, estate planning, and legacy goals.

Transparent Charges

No hidden fees—clear disclosure of all costs including fund management fees, transaction charges, and advisory fees.

Dedicated Support

Personal relationship manager available for queries, consultations, and portfolio reviews

Our Happy Clients!

“DDR Capital has been managing my finances for more than 5 years now. They keep track of the financial markets and provide good insight and recommendations for investing. Their experience has helped me to invest in the right funds with minimal risk. I strongly recommend them if you want a sound financial advisor who also listens to you.”
Rated 4.5 out of 5

Natvarpuri Goswami

Investor
“Dhiraj from DDR Capital is one of the most updated Financial Consultant. He has a deep insight of the market and provides solutions based on his experience and the market conditions. The best part is that he tailors the investments based on our requirements and suggests good propositions, which have benefited us. His clarity of thought, his personal touch with Clients and his pleasant personality do all the Marketing for him. We are glad to have such a Friend/Advisor for us.”
Rated 4.5 out of 5

Saurabh Vyas

Investor
“Dhiraj Radadiya of DDR Capitals, has been managing my investment portfolio for many years now and I have found his services to be very prompt and reliable. He has a great understanding of the market and his knowledge of the various types of funds helps us to safely diversify our investments. DDR Capitals is growing with Dhiraj”
Rated 5 out of 5

Jinabhai Dudhat

Investor
“DDR Capitalhas been continuous progressing and providing investments guidance in right-way to create wealth as well as personal economic progress. My good wishes are with you and DDR.”
Rated 4.5 out of 5

Jivraj Ruparelia

Investor
“DDR Capital is currently managing my fiancé. They have up-to-date knowledge&required skills for preparing Financial Plans based on one’s needs such as securing family, etc. They have helped me meet my financial goals. They might be the right choice for you too!”
Rated 4.5 out of 5

Mahesh Shah

Investor
“Dhiraj Radadiya of DDR Capitals, has been managing my investment portfolio for many years now and I have found his services to be very prompt and reliable. He has a great understanding of the market and his knowledge of the various types of funds helps us to safely diversify our investments. DDR Capitals is growing with Dhiraj”
Rated 5 out of 5

Nitaben Mehta

Investor

Frequently Asked Questions

Fixed Deposits (especially in banks) are generally considered safer due to deposit insurance (up to ₹5L). NCDs carry slightly higher risk depending on the issuer’s credit rating, but they offer higher returns. We recommend high-rated (AAA/AA) NCDs to minimize risk.

 

 

Yes, most FDs allow premature withdrawal, but it usually attracts a penalty (typically 0.5% to 1% lower interest). Some special FDs come with a lock-in period where withdrawal isn’t allowed.

 

 

Interest from FDs and NCDs is fully taxable as per your income tax slab. TDS is deducted if interest exceeds the threshold limit (£40,000 for banks, £5,000 for companies). Listed NCDs sold on exchange may attract capital gains tax.

 

It varies by issuer. FDs can start from as low as ₹1,000. Public issue NCDs usually have a minimum investment of ₹10,000 (10 bonds of ₹1,000 each).

 

 

We don’t just sell products; we offer advice. We analyze your risk profile and recommend only those issuers with strong credit ratings and track records, ensuring your capital remains safe while growing.
 

Ready to Start Your Investment Journey?

Phone

+91 9824168257

Address

FF-7, Devraj Avenue, Opp. Urocare Hospital on Disctrict Court Road, Gadapura Racecourse, Vadodara, Gujarat, 390007, India

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