In the ever-evolving world of fixed-income investment options, Non-Convertible Debentures (NCDs) have emerged as a preferred choice among conservative investors. Among the latest offerings in 2025, Nido Home Finance NCD June 2025 has generated substantial interest. If you’re an investor looking for stable returns, it’s time to explore this opportunity in detail.
In this comprehensive guide, we will provide a full Nido Home Finance NCD June 2025 review, cover the interest rate, IPO details, payment schedule, and analyze whether this NCD suits your investment portfolio.
What is Nido Home Finance?
Nido Home Finance Limited is a registered housing finance company (HFC) under the National Housing Bank (NHB). The company is known for its affordable housing loan products, catering mainly to the mid and lower-income segments of India. With a focus on inclusive financing and responsible lending, Nido Home Finance has built a strong track record in the financial services sector.
Their offering of NCDs is a strategic move to raise capital and expand operations while offering investors a lucrative fixed income investment avenue.
What are NCDs?
Non-Convertible Debentures (NCDs) are debt instruments issued by companies to raise capital from investors. They offer a fixed return (interest rate) over a specified period, but unlike convertible debentures, these cannot be converted into equity shares. They are ideal for risk-averse investors seeking predictable income.
Nido Home Finance NCD June 2025 Overview
The Nido Home Finance NCD June 2025 is a new fixed-income offering, structured to provide both retail and institutional investors with a stable and safe investment option. Here’s an in-depth look at its key components.
1. Nido Home Finance NCD June 2025 Review
This NCD is considered attractive due to the following reasons:
- Strong credit rating: Rated by reputed credit agencies, indicating low default risk.
- Competitive interest rates: Higher than traditional fixed deposits.
- Diversified risk exposure: Backed by a housing finance company with a solid loan book.
- Multiple tenures: Flexible investment duration with various payment options.
Analysts suggest that the Nido Home Finance NCD June 2025 is well-suited for conservative investors who prefer capital protection along with fixed returns.
2. Nido Home Finance NCD June 2025 IPO Details
The NCD is issued in the form of an Initial Public Offering (IPO) for bonds. Here are the vital details:
- Issue Opening Date: June 24, 2025
- Issue Closing Date: July 10, 2025
- Allotment Date: On or before July 18, 2025
- Listing: NSE & BSE
- Face Value: ₹1,000 per NCD
- Minimum Investment: ₹10,000 (10 NCDs)
- Mode of Allotment: Demat only
- Registrar: KFin Technologies Ltd
The Nido Home Finance NCD June 2025 IPO is structured to attract individual investors, NRIs, corporate bodies, and institutional investors alike.
3. Nido Home Finance NCD June 2025 Interest Rate
The most appealing aspect of this NCD is its interest rate. Depending on the tenure chosen, investors can expect competitive returns:
| Tenure | Interest Payment | Interest Rate (p.a.) |
|---|---|---|
| 24 months | Monthly | 9.15% |
| 36 months | Quarterly | 9.40% |
| 60 months | Annual | 9.65% |
| 75 months | Cumulative | Effective Yield: 10.10% |
Note: These rates are applicable for retail investors. Institutional and HNI categories may receive slightly different terms.
With a 10.10% effective yield on cumulative options, Nido Home Finance NCD June 2025 interest rate surpasses many traditional debt instruments, making it a strong contender in the fixed income space.
4. Nido Home Finance NCD June 2025 Payment Options
Investors can choose from several interest payment modes:
- Monthly
- Quarterly
- Annual
- Cumulative (on maturity)
The Nido Home Finance NCD June 2025 payment schedule allows flexibility to cater to various income needs. Those relying on monthly cash flow may opt for the monthly plan, while those aiming for capital growth can choose the cumulative plan for higher maturity value.
Why Should You Consider Investing?
Here’s why the Nido Home Finance NCD June 2025 is worth your consideration:
✅ Higher Yields Than Fixed Deposits
Most bank FDs offer between 6% and 7.5%, whereas Nido’s NCDs offer up to 10.10% yield.
✅ Diversified Investment
Instead of locking all funds in equities or real estate, this NCD helps balance your portfolio with low-risk debt.
✅ Flexible Tenure Options
From 24 to 75 months – choose your duration based on your financial goals.
✅ Trustworthy Promoter Background
Nido Home Finance is known for its integrity and performance in the housing finance sector.
Risks to Consider
As with any investment, this NCD has a few potential downsides:
- Market Interest Rate Risk: If interest rates rise, the NCD’s fixed rate may seem less attractive.
- Liquidity: NCDs are listed on exchanges but may have lower trading volumes.
- Credit Risk: Even with a good rating, there’s some risk of delayed payments.
Therefore, while investing in Nido Home Finance NCD June 2025, you must evaluate your risk tolerance and investment horizon.
Taxation on NCDs
- Interest income is taxable as per the investor’s income tax slab.
- If sold before maturity, capital gains tax will apply depending on the holding period.
Hence, plan your investment for the full tenure to optimize tax efficiency.
How to Invest in Nido Home Finance NCD June 2025
Investing in this NCD is straightforward. Here’s a step-by-step guide:
- Check your eligibility (Resident Indian, NRI, HUF, Trust, etc.)
- Use a Demat account – Mandatory for allotment.
- Apply through your broker (Zerodha, Groww, ICICI Direct, etc.)
- Select the series and payment option as per your preference.
- Make the payment online or via UPI/Netbanking.
You will receive the allotment confirmation and NCDs will reflect in your Demat account after listing.
Should You Invest?
If you’re a risk-averse investor looking for predictable income and are aware of how NCDs function, the Nido Home Finance NCD June 2025 could be a strategic addition to your portfolio. With a competitive interest rate, diversified product options, and strong promoter background, this NCD stands out in the 2025 bond market.
Conclusion
The Nido Home Finance NCD June 2025 is a compelling offering for those seeking stability, higher-than-FD returns, and flexible tenure options. Though not risk-free, it presents a good opportunity for conservative investors when properly assessed against personal goals.
For personalized NCD recommendations, financial insights, or portfolio planning, reach out to Divadhvik – your trusted name in investment advisory and a top-rated partner for Nido Home Finance insights.
FAQ
Q1. Is the interest from Nido Home Finance NCD June 2025 taxable?
Yes, the interest earned from this NCD is fully taxable as per your applicable income tax slab. There is no TDS if held in Demat mode, but the income must be declared.
Q2. Can I sell Nido Home Finance NCD June 2025 before maturity?
Yes, the NCDs will be listed on NSE and BSE, allowing you to sell them before maturity. However, liquidity may vary, and the selling price could be influenced by prevailing interest rates and demand.
