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Debt Capital + Real Estate Opportunities

STRUCTURED DEBT & DEBENTURE SOLUTIONS

Providing compliant, structured capital channels.

Structured Debt & Debenture Solutions

We provide structured debt and debenture opportunities designed to bridge the gap between eligible capital providers and rigorously vetted real estate projects. Our robust framework ensures compliance with all applicable securities laws and regulations.

  • Applicable Debt Securities / Non-Convertible Debentures (NCDs)
  • Customized tenures and repayment schedules based on project cash flows
  • Fixed or performance-linked coupon/interest structures
  • Secured against identified real-estate assets where applicable
  • Target returns of 14% - 16% per annum
Debenture Document

What is a Debenture?

A Debenture is a long-term debt instrument issued by a company to raise funds from investors. It represents a loan you give to the company, and in return, the company pays you interest and returns your money at maturity.

  • Fixed Income
  • Long Term
  • Debt Instrument
Debenture Certificate

Types of Debentures

Debentures can be classified in different ways:

1
NCD (Non-Convertible)

Cannot be converted into equity shares.

2
PCD (Partly Convertible)

Partly convertible into equity shares.

3
FCD (Fully Convertible)

Issued in foreign currency or fully convertible.

Based on Security:
Secured Debentures
Backed by assets
Unsecured Debentures
No specific asset backing

Key Features of Debentures

Fixed Rate of Interest

(usually paid half-yearly or annually)

Maturity Period

(usually 3 to 10 years or more)

Face Value

(e.g. ₹1,000 per debenture)

Tradable

(can be listed and traded in stock exchange)

Priority in Repayment

(usually higher than equity shareholders)

Bonds vs Debentures

Both are debt instruments, but there are differences:

Bonds Debentures
Issued by Govt. or Corporates Issued by Corporates (mainly)
Often listed & widely traded May or may not be listed
Usually secured Can be secured or unsecured
Typically lower risk Higher risk (if unsecured)
Faster liquidity May have lower liquidity
In short: All debentures are bonds, but all bonds are not debentures.
Debenture vs Equity

Two different ways to support a company.

Debenture Equity
Lending (Debt) Ownership (Shareholder)
Fixed Interest Variable Dividend
No Voting Rights Voting Rights
Lower Risk Higher Risk
Fixed Return Higher Potential Return
Debentures = Stability | Equity = Growth
Convertible vs Non-Convertible
Convertible

Can be converted into equity shares at a future date.

  • Lower interest rate
  • Conversion option
  • Growth potential
Non-Convertible

Cannot be converted into equity shares.

  • Higher interest rate
  • No conversion option
  • More stable income

Benefits & Risks

Key Benefits
  • Regular income (interest)
  • Tax benefits (as per law)
  • Diversification of portfolio
  • Higher returns than fixed deposits
  • Tradable (in listed NCDs)
Key Risks
  • Credit risk (issuer may default)
  • Interest rate risk (change in rates)
  • Liquidity risk (hard to sell sometimes)
  • Market risk (price fluctuation)
Higher return comes with higher risk. Invest wisely!

How It Works? (Example)

Suppose you invest ₹1,00,000 in a 10% NCD for 5 years.

Interest Rate 10% p.a.
Annual Interest ₹10,000
Total Interest (5 years) ₹50,000
Maturity Amount
₹1,50,000 (₹1,00,000 + ₹50,000)

(Rates are illustrative and may vary as per issuer and market conditions.)

Investor Due Diligence Checklist

  • Company's financial health & track record
  • Credit rating (e.g. CRISIL, ICRA, CARE)
  • Terms & conditions of issue
  • Use of funds
  • Security / collateral details
  • Interest payment history
  • Listing status & liquidity
  • Risk factors & offer document
Do Your Research • Invest with Confidence

Why Invest in Debentures?

  • Attractive fixed returns
  • Portfolio diversification
  • Tax efficiency (as per law)
  • Better than fixed deposits (in many cases)
  • Supports business growth
Stable Returns | Long Term Wealth

Red Flags – Be Cautious

  • Unrealistically high returns
  • No credit rating / weak ratings
  • Pressure to invest immediately
  • Complex terms & conditions
  • No clear business model
  • Poor past payment history
If it sounds too good to be true, it probably is!

Your Investment Journey

Learn

Understand the product

Evaluate

Check risks & ratings

Invest

Choose the right option

Grow

Earn regular income

Better Knowledge Better Decisions Greater Wealth.

Invest in Good Companies

Invest in Your Future

Thank You!

SMART INVESTORS BUILD A STRONGER TOMORROW

Safety

Stability

Growth

Freedom