Nido Home Finance Limited NCD Issue – Is It Right for You?

By WealthCare Vest by Raghav

When the goal is growing your wealth securely, many of us reach for fixed deposits (FDs) or recurring deposits (RDs). But there’s another asset class that offers higher yields with safety: Secured Redeemable Non-Convertible Debentures (NCDs).

Nido Home Finance Limited recently opened its NCD issue from August 21, 2025 to September 04, 2025, offering attractive coupon rates of up to 10.50% p.a., with various tenures and interest payment structures. Let’s dive into what makes this offer compelling—and whether it fits your investment goals.

Refer to this shorts Also :- https://youtube.com/shorts/rneyd4WusBY?feature=share

Nido Home Finance Limited NCD Issue – Is It Right for You?

📌 What Exactly Are NCDs?

Think of an NCD as a company-issued FD:

  • You lend money to the company for a fixed period.

  • The company pays you interest (coupon) at regular intervals or cumulative at maturity.

  • At maturity, you get your principal back.

  • “Non-Convertible” means they cannot convert into equity shares—they remain debt instruments throughout.

If you’re new to investing, read my blog:
👉 Saving vs Investment – Understanding the Difference

📌 Key Highlights of Nido Home Finance Limited NCD

  • Issue Opens: Thursday, August 21, 2025

  • Issue Closes: Thursday, September 04, 2025

  • Face Value: ₹1,000 per NCD

  • Issue Price: ₹1,000 per NCD

  • Minimum Application: 10 NCDs (₹10,000)

  • Allotment Basis: First Come First Serve

  • Listing: BSE

  • Rating: CRISIL A+ Stable (adequate safety of principal & interest)

👉 Why ratings matter? Check my blog on NPS vs Mutual Fund with SWP – Which is Better?

Nido Home Finance Limited NCD Issue – Is It Right for You?


📌 Returns on ₹1,00,000 Investment

Here’s how much you would earn if you invested ₹1 lakh in different NCD options:

Series Tenor Interest Payment Coupon Rate (p.a.) Annual Payout Total Interest Earned Maturity Value Total Amount Received
I 24 Months Annual 9.00% ₹9,000 ₹18,000 ₹1,00,000 ₹1,18,000
II 24 Months Cumulative 9.00% – – ₹1,18,809 ₹1,18,809
III 36 Months Monthly 9.35% ₹9,350 ₹28,050 ₹1,00,000 ₹1,28,050
IV 36 Months Annual 9.75% ₹9,750 ₹29,250 ₹1,00,000 ₹1,29,250
V 36 Months Cumulative 9.75% – – ₹1,32,227 ₹1,32,227
VI 60 Months Monthly 9.80% ₹9,800 ₹49,000 ₹1,00,000 ₹1,49,000
VII 60 Months Annual 10.25% ₹10,250 ₹51,250 ₹1,00,000 ₹1,51,250
VIII 60 Months Cumulative 10.25% – – ₹1,62,930 ₹1,62,930
IX 120 Months Annual 10.03% ₹10,030 ₹1,00,300 ₹1,00,000 ₹2,00,300
X 120 Months Cumulative 10.50% – – ₹2,00,000 ₹2,00,000+ (approx double)

💡 Example: If you invest ₹1,00,000 in Series VII (5 years, annual payout), you’ll receive ₹10,250 every year and ₹1,00,000 principal at the end of 5 years—total ₹1,51,250.

👉 To compare with high-growth portfolios, read: How to Build a High-Growth Investment Portfolio

📌 Example for Common Investor

Mr. Sharma, a retired teacher, invests ₹1,00,000 in Series VIII (5 years, cumulative). He does not withdraw annual interest, but at maturity, he receives ₹1,62,930 in one shot—perfect for retirement planning.

👉 Curious about SIP alternatives? Read: How to Build Smart SIP Portfolio Beyond Just Returns

📌 Risks You Must Know

  • Credit Risk – NCDs depend on company’s financial health.

  • Liquidity Risk – They may be harder to sell in secondary markets.

  • No RBI Insurance – Unlike FDs, NCDs aren’t guaranteed by RBI.

👉 For a safer perspective, read: SIP vs Lump Sum – Which is Better for 5-Year Goals?

📌 Final Thoughts

The Nido Home Finance Limited NCD Issue 2025 offers high coupon rates (up to 10.50%), multiple payout structures, and stable credit rating. For investors seeking predictable returns, it’s a better option than traditional FDs.

Still, always diversify between FDs, SIPs, mutual funds, and NCDs to balance safety with growth.

📌 Disclaimer

This blog is for educational purposes only and does not constitute investment advice. NCDs carry risks. Please read the prospectus carefully and consult a financial advisor before investing. WealthCare Vest by Raghav is not responsible for any investment decisions made based on this article.

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