📝 Blog Title:

Unlocking Growth with Confidence – My View on Prachay Capital’s 13% NCD

📅 Published on: 05 June 2025

✍️ Author: Lovish Singhal

🌱 Introduction: A New Kind of Opportunity

In a world where most traditional savings offer 6%–7% returns, it’s rare to find an opportunity that combines strong returns with asset-backed safety.
But that’s exactly what caught my attention in Prachay Capital’s 13% NCD.

As someone deeply involved in finance, and currently pursuing Chartered Accountancy, I always look for opportunities that are not just profitable — but also rooted in structure, transparency, and trust.

Let’s understand why this offering has started conversations among smart retail investors across India.

💼 Who is Prachay Capital?

Prachay Capital is an RBI-registered NBFC that’s focused on secured lending, especially in the real estate-backed segment. They lend money against solid collateral, ensuring that capital is protected even in uncertain environments.

What I personally admire is:

• Their clear focus on structured, secured debt

• Transparent disclosures

• Growing presence in the alternative bond space

In today’s time, that’s rare.

💰 Why the 13% NCD Matters

Let’s get straight to it.
13% annual return – from a listed, asset-backed NCD – is not a random figure.

It’s:

• A reward for trusting an emerging NBFC
  
  

• A sign of high operational yield backed by real collateral
  
  

• A way to make debt investments exciting again
  
  

And it opens the door for monthly income or cumulative growth, depending on what you choose.

🔒 Built on Security, Not Speculation

One of the strongest pillars of this NCD is security.

These bonds are secured – meaning they’re backed by real assets (often property or receivables). In a worst-case scenario, the company must liquidate those assets to repay investors.

That’s why many risk-conscious investors still consider this NCD – not out of greed, but confidence.