Non-convertible debentures (NCDs) are fixed-income instruments issued by high-rated companies. They offer higher interest rates compared to fixed deposits, and investors can trade them if listed. However, NCDs are sensitive to market conditions and credit ratings
The Unified Pension Scheme (UPS) integrates various pension plans into a unified system, offering flexibility in contributions, government support, and diverse investment options. It caters to both organized and unorganized sector employees, ensuring financial stability during retirement.
