Annual Interest Payout
Yield to Maturity
Investing works best when you have clarity and can plan ahead. Non-Convertible Debentures (NCDs) are a steady choice for many investors who want fixed income. But it is not always easy to figure out how much money you will make or when you will receive it. Guesswork can create confusion and mistakes. That is why an NCD Calculator is helpful. It takes away the stress and gives you precise numbers in seconds.
An NCD calculator is a simple online tool. It estimates the returns you can get from an NCD investment. Instead of solving interest formulas by hand, you only enter the basic details.
You provide the investment amount, the coupon rate, the tenure, and the payout option. The calculator then shows the maturity value, the total interest earned, and the payout schedule. This gives you a quick and clear view of how your money will grow.
It also helps you compare different NCDs. For example, you can see if monthly payouts suit your needs better than yearly payouts. You can also check how a cumulative payout will impact your portfolio. The tool lets you link your investment plan with your financial goals.
Using an NCD Calculator is simple, but it also comes with many benefits.
You do not need to do long manual calculations. The calculator gives results instantly. This saves you time and reduces mistakes.
It gives you a precise sense of how much you will get at maturity and what payouts you will earn along the way. After these, you can budget and set goals accordingly.
Not every NCD is the same. They have different terms, coupon rates and payment options. The calculator allows you to compare these in minutes to pick the best match.
When you know your returns ahead of time, you can better plan. It allows you to prepare for expenses, retirement or reinvestments with confidence.
The NCD Calculator is easy to use. You only need to follow a few basic steps.
Start by entering the amount you plan to invest. This is the base for your return calculation.
Type in the NCD interest rate. This varies across issuers, so make sure you use the correct rate.
Select the duration of your investment. NCDs may last for a few years or even more than a decade.
Pick how often you want to receive interest. You can choose monthly, quarterly, half-yearly, yearly, or at maturity. Go with the option that matches your cash needs.
After entering all the details, the calculator will show the maturity value, total interest, and payout amounts. You can also change the numbers to check different outcomes.
Some key details that people should keep in mind are as follows:
The calculator gives correct results only if your details are accurate. Double-check your non convertible debentures interest rate and tenure before calculating.
The tool assumes the company pays interest and principal on time. It does not consider risks like default or credit downgrades.
The calculator shows gross NCD returns. It does not reduce taxes. You must calculate tax liability separately.
Your payout choice affects returns. Monthly payouts are good for a steady income. Cumulative payouts may suit long-term wealth building.
IIFL Customer Care Number
(Gold/NCD/NBFC/Insurance/NPS)
1860-267-3000 / 7039-050-000
IIFL Capital Services Support WhatsApp Number
+91 9892691696
IIFL Capital Services Limited - Stock Broker SEBI Regn. No: INZ000164132, PMS SEBI Regn. No: INP000002213,IA SEBI Regn. No: INA000000623, SEBI RA Regn. No: INH000000248, DP SEBI Reg. No. IN-DP-185-2016, BSE Enlistment Number (RA): 5016
ARN NO : 47791 (AMFI Registered Mutual Fund Distributor)
This Certificate Demonstrates That IIFL As An Organization Has Defined And Put In Place Best-Practice Information Security Processes.