1. Non-Convertible Debentures (NCDs) – Product Overview

Product Name: Non-Convertible Debentures (NCDs)
Category: Fixed-Income Debt Instrument

Overview:
Our Non-Convertible Debentures (NCDs) are secured debt instruments issued through private placement, aimed at raising long-term funds. These NCDs offer fixed returns and do not convert into equity shares, ensuring no dilution of ownership.

Key Features:

• Fixed Returns: Offers a predetermined interest rate, paid periodically (monthly, quarterly, annually).
• Non-Convertible: Not convertible into equity, maintaining shareholder structure.
• Tenure: Available with different maturity periods in which investor can choose according to his/her preferences.
• Secure: NCDs are secured by charge in company’s specific assets

Use of Proceeds:

Funds raised through NCDs are utilized for business growth, capital expenditure, refinancing existing debt, or general corporate purposes.

2. Subordinated Debt – Product Overview

Product Name: Subordinated Debt Instrument
Category: Long-Term Debt Instrument

Overview:
Our Subordinated Debt is an unsecured and long-term funding instrument. It is designed to strengthen the company’s capital structure while offering investors attractive, fixed returns.

Key Features:

• Subordinate Ranking: In case of liquidation, repayment is made after senior debt obligations.
• Attractive Interest Rates: Offers higher interest compared to senior debt due to its subordinated status.
• Tenure: 5 years and above. No pre-closure is allowed
• Regulatory Compliance: Issued in accordance with applicable laws.

Use of Proceeds:

Funds raised through subordinated debt are used for business expansion, strengthening the capital base, and meeting long-term financial obligations without equity dilution