Double your principal amount with our best-in-class effective yield
| Tenure | Normal Person | Senior Citizen |
|---|---|---|
| 60 Months | 20.00% | 20.00% |
Receive interest payouts annually
| Tenure | Normal Person | Senior Citizen |
|---|---|---|
| 24 Months | 12.50% | 13.00% |
| 36 Months | 13.00% | 13.50% |
Interest compounds and paid at maturity
| Tenure | Normal Person | Senior Citizen |
|---|---|---|
| 13 Months | 12.50% | 13.00% |
| 24 Months | 13.00% | 13.50% |
| 36 Months | 13.50% | 14.00% |
Regular monthly income payouts
| Tenure | Normal Person | Senior Citizen |
|---|---|---|
| 13 Months | 11.00% | 11.50% |
| 24 Months | 11.50% | 12.00% |
| 36 Months | 12.00% | 12.50% |
| 60 Months | 12.50% | 13.00% |
Competitive and assured interest rates with yields up to 20% effective return on select schemes.
Personalized support from our investor relations team. We're here to assist you at every step.
Our NCDs are credit-rated by recognized agencies, ensuring transparency and trust.
Simple, hassle-free KYC process. Invest quickly without excessive paperwork.
NCDs are allotted directly to your Demat account. Track your investment live, anytime, anywhere.
RBI licensed, established track record, consistent performance, timely payouts since inception.
Investing in Dhanam NCDs is simple and can be done through our branches or online. Follow these steps to get started.
Reach out to us via phone at 1800 2025 180, WhatsApp, email, or visit your nearest Dhanam branch. Our team will walk you through all available NCD schemes and help you choose the best fit.
Choose from our four NCD schemes — Doubling, Annual, Cumulative, or Monthly — based on your financial goals. Pick a tenure from 13 to 60 months. Our team will provide a detailed illustration of your expected returns.
Provide your identity proof, address proof, PAN card, bank details, and Demat account details (DP ID & Client ID). NCDs are allotted in demat form, so an active Demat account is mandatory.
Transfer the investment amount via NEFT/RTGS or cheque. Review and sign the NCD subscription agreement. All terms, interest rates, and maturity details are clearly outlined before you sign.
Once your application is processed and funds received, your NCDs will be allotted and credited directly to your Demat account. You'll receive a confirmation with your NCD certificate details, ISIN number, and maturity schedule.
Interest payouts (monthly/annual/cumulative) and principal redemption at maturity are credited directly to your registered bank account via NEFT. You'll be notified ahead of every payout.
Keep these ready for a smooth investment process. An active Demat account is mandatory for NCD allotment.
Dhanam Finance NCDs are listed and held in dematerialized (demat) form for secure, paperless transactions.
You can open a Demat account with any SEBI-registered depository participant (DP) such as Zerodha, Groww, Angel One, ICICI Direct, HDFC Securities, etc. The process is fully online and typically completed in 1–2 days.
Our team can guide you through the process.
Contact Us for HelpDouble your wealth with Dhanam's secured, credit-rated NCDs. Assured returns, minimal documentation, trusted NBFC.