{"id":21349,"date":"2025-09-13T06:03:47","date_gmt":"2025-09-13T06:03:47","guid":{"rendered":"https:\/\/wp-api.pocketful.in\/blog\/?post_type=personal-finance&#038;p=21349"},"modified":"2025-10-09T06:37:55","modified_gmt":"2025-10-09T06:37:55","slug":"what-is-non-convertible-debentures","status":"publish","type":"personal-finance","link":"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/","title":{"rendered":"What is Non Convertible Debentures?"},"content":{"rendered":"\n<p>In times of market uncertainty, everyone is looking for stable investment options with fixed returns. Among all the other fixed return options, Non-Convertible Debentures (NCDs) stand out as a popular choice, often offering higher returns than traditional bank fixed deposits.<\/p>\n\n\n\n<p>In this blog, we provide a detailed overview of non-convertible debentures, including their types, features, and factors to consider before investing in them.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#What_are_Non-Convertible_Debentures\" title=\"What are Non-Convertible Debentures?\">What are Non-Convertible Debentures?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#Features_of_Non-Convertible_Debentures\" title=\"Features of Non-Convertible Debentures\">Features of Non-Convertible Debentures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#Types_of_Non-Convertible_Debentures\" title=\"Types of Non-Convertible Debentures\">Types of Non-Convertible Debentures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#How_to_Buy_Non-Convertible_Debentures\" title=\"How to Buy Non-Convertible Debentures\">How to Buy Non-Convertible Debentures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#Factors_to_Consider_Before_Investing_in_Non-Convertible_Debentures\" title=\"Factors to Consider Before Investing in Non-Convertible Debentures\">Factors to Consider Before Investing in Non-Convertible Debentures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-what-are-non-convertible-debentures\"><span class=\"ez-toc-section\" id=\"What_are_Non-Convertible_Debentures\"><\/span>What are Non-Convertible Debentures?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A Non-convertible Debenture (NCD) is a financial instrument which is generally used by companies to raise capital for the long term. Non-convertible debentures cannot be converted into equity shares of the issuing companies. They offer a fixed interest rate or coupon along with the principal on the maturity date. They offer slightly higher returns than any other bank fixed deposit. As non-convertible debentures are not converted into equity, they remain a pure debt instrument throughout the investment period.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-features-of-non-convertible-debentures\"><span class=\"ez-toc-section\" id=\"Features_of_Non-Convertible_Debentures\"><\/span>Features of Non-Convertible Debentures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The key features of non-convertible debentures are as follows:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Fixed Returns:<\/strong> The returns offered by the non-convertible debentures are fixed and are paid by the issuer at a predefined fixed interval.<\/li>\n\n\n\n<li><strong>Rating:<\/strong> The non-convertible debentures are rated by credit rating agencies such as CRISIL, ICRA, or CARE.<\/li>\n\n\n\n<li><strong>Liquidity:<\/strong> The issuing companies offer liquidity to their investors by making them list on the stock exchange.<\/li>\n\n\n\n<li><strong>Taxability:<\/strong> Interest received by an investor on the NCDs is taxable based on their income tax slab.<\/li>\n\n\n\n<li><strong>Duration: <\/strong>There are various tenures available for an investor to choose from the given options.<\/li>\n<\/ol>\n\n\n\n<p><strong>Read Also: <\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/non-convertible-debenture-ncd-vs-fixed-deposit-fd-meaning-features-and-differences-explained\/\">Non-Convertible Debenture (NCD) vs Fixed Deposit (FD)<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-non-convertible-debentures\"><span class=\"ez-toc-section\" id=\"Types_of_Non-Convertible_Debentures\"><\/span>Types of Non-Convertible Debentures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The several types of non-convertible debentures are as follows:<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-1-secured\">1. Secured<\/h3>\n\n\n\n<p>The secured NCDs are backed by a specific asset of the issuing company. Therefore, in case of default, the investor can claim the assigned asset and recover their amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-2-unsecured\">2. Unsecured<\/h3>\n\n\n\n<p>The non-convertible debentures are not secured by any asset; hence, in case of default, the investors are required to wait until the assets of the company are sold so that their liabilities can be met.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-3-listed\">3. Listed<\/h3>\n\n\n\n<p>When an issuing company lists the <a href=\"https:\/\/www.pocketful.in\/blog\/what-is-debenture\/\">debentures<\/a> on the stock exchange to provide liquidity to its investors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-4-unlisted\">4. Unlisted<\/h3>\n\n\n\n<p>Unlisted NCDs are those which are not listed in the secondary market. Hence, they are generally considered illiquid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-5-long-term\">5. Long-term<\/h3>\n\n\n\n<p>Long-term NCDs are generally issued for more than three years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-6-short-term\">6. Short-term<\/h3>\n\n\n\n<p>These debentures are issued for a period of one year to three years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-7-callable\">7. Callable<\/h3>\n\n\n\n<p>Callable NCDs give the issuer the right to redeem them before the maturity date.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-8-putable\">8. Putable<\/h3>\n\n\n\n<p>These NCDs come with an option that the buyer can redeem the debenture from the issuing company anytime before the maturity period.<\/p>\n\n\n\n<p><strong>Read Also: <\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/personal-finance\/how-to-buy-ncds-in-india\/\">How to Buy NCDs in India?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-buy-non-convertible-debentures\"><span class=\"ez-toc-section\" id=\"How_to_Buy_Non-Convertible_Debentures\"><\/span>How to Buy Non-Convertible Debentures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The following are two ways through which one can buy the non-convertible debentures:<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-1-primary-market\">1. Primary Market<\/h3>\n\n\n\n<p>This is where NCDs are issued for the first time by the company. They are offered to the public for subscription, and investors can apply using their demat account or through designated financial institutions by filling out an application form.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-2-secondary-market\">2. Secondary Market<\/h3>\n\n\n\n<p>When the NCDs are issued by the companies and are listed in the secondary market, allowing investors to purchase and sell them easily through an exchange similar to any other equity shares.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-factors-to-consider-before-investing-in-non-convertible-debentures\"><span class=\"ez-toc-section\" id=\"Factors_to_Consider_Before_Investing_in_Non-Convertible_Debentures\"><\/span>Factors to Consider Before Investing in Non-Convertible Debentures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The key factors to consider before investing in non-convertible debentures are as follows:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Risk<\/strong>: An investor should check the credit rating before making any investment in non-convertible debentures. And it is also advisable to avoid investing in NCDs with a rating below A.<\/li>\n\n\n\n<li><strong>Higher Returns:<\/strong> NCDs offer higher returns than the prevailing government bonds and FD rates. But they are not risk-free like government bonds.<\/li>\n\n\n\n<li><strong>Tenure: <\/strong>One should choose the tenure of NCD based on their investment horizon or financial goal.<\/li>\n\n\n\n<li><strong>Listed Non-convertible Debentures: <\/strong>An investor should opt for NCDs which are listed on the stock exchange, as they can provide liquidity before the maturity date.<\/li>\n\n\n\n<li><strong>Taxation: <\/strong>The interest received on the NCDs is added to your income and taxed based on your income tax slab. Hence, investors should check the tax liability which can arise while investing in NCDs beforehand.&nbsp;<\/li>\n\n\n\n<li><strong>Reinvestment Risk: <\/strong>If the interest rates in the economy are declining, then the proceeds of the NCDs on maturity, when reinvested in another NCD, might yield lower returns.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In summary, Non-Convertible Debentures offer investors an attractive way to earn fixed returns, often higher than traditional fixed deposits. As the name suggests, these instruments cannot be converted into equity shares and remain pure debt throughout their tenure. Companies issue them with varying maturities, coupon rates, and payout structures, giving investors flexibility in choosing options that match their financial goals. However, NCDs are not entirely risk-free, as they carry default risk. This is why credit rating agencies assess them, and why it is wise to invest only after reviewing the ratings and consulting a financial advisor.<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">S.NO.<\/th><th class=\"has-text-align-left\" data-align=\"left\">Check Out These Interesting Posts You Might Enjoy!<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">1<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/what-are-the-challenges-traders-face-when-trading-in-the-stock-market\/\">What Are The Challenges Traders Face When Trading In The Stock Market?<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">2<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/what-is-gann-box-how-to-use-meaning-and-strategy\/\">What is Gann box: How to use, meaning and strategy<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">3<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/delisting-of-icici-securities\/\">Delisting Of ICICI Securities : Reasons and Brief Explanation<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">4<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/option-chain-analysis-a-detail-guide-for-beginners\/\">Option Chain Analysis: A Detail Guide for Beginners<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">5<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/what-is-the-gap-up-and-gap-down-strategy\/\">What Is The Gap Up And Gap Down Strategy?<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\">What is the full form of NCD?<\/h3><p class=\"saswp-faq-answer-text\">NCD is known as non-convertible debentures. It is a financial instrument issued by companies to raise capital for both long-term and short-term.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What is the taxation on NCD?<\/h3><p class=\"saswp-faq-answer-text\">The interest received on the NCD is taxed based on the income tax slab of the investor. And the capital gain arising from selling in the secondary market is also taxed based on the applicable capital gain tax rate.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Is there any option through which an NCD can be sold before maturity?<\/h3><p class=\"saswp-faq-answer-text\">Yes, one can sell the non-convertible debentures on the secondary market or stock exchange like any other stock, only in the case of listed NCDs.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Can an NRI invest in NCDs in India?<\/h3><p class=\"saswp-faq-answer-text\">Yes, NRIs can invest in Indian NCDs, provided the issuing company permits such investments as per the offer terms and regulatory guidelines.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">How to get the money in case of maturity of NCDs?<\/h3><p class=\"saswp-faq-answer-text\">On maturity, the principal amount along with the interest is credited to the registered bank account of the investor.<\/p><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>In times of market uncertainty, everyone is looking for stable investment options with fixed returns. Among all the other fixed return options, Non-Convertible Debentures (NCDs) stand out as a popular choice, often offering higher returns than traditional bank fixed deposits. In this blog, we provide a detailed overview of non-convertible debentures, including their types, features, [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":21385,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[18],"tags":[],"class_list":["post-21349","personal-finance","type-personal-finance","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":{"freelancer":"Harjyot"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v21.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Non Convertible Debentures (NCDs): Types, Features &amp; How to Buy<\/title>\n<meta name=\"description\" content=\"Learn about Non Convertible Debentures (NCDs), their types, features, and how to buy them. Explore benefits, risks, and tax implications.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Non Convertible Debentures?\" \/>\n<meta property=\"og:description\" content=\"Learn about Non Convertible Debentures (NCDs), their types, features, and how to buy them. Explore benefits, risks, and tax implications.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/\" \/>\n<meta property=\"og:site_name\" content=\"Pocketful\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Pocketful.HQ\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-09T06:37:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/09\/Non-Convertible-Debentures.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1497\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Pocketful_HQ\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Non Convertible Debentures (NCDs): Types, Features & How to Buy","description":"Learn about Non Convertible Debentures (NCDs), their types, features, and how to buy them. Explore benefits, risks, and tax implications.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"What is Non Convertible Debentures?","og_description":"Learn about Non Convertible Debentures (NCDs), their types, features, and how to buy them. Explore benefits, risks, and tax implications.","og_url":"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/","og_site_name":"Pocketful","article_publisher":"https:\/\/www.facebook.com\/Pocketful.HQ\/","article_modified_time":"2025-10-09T06:37:55+00:00","og_image":[{"width":1497,"height":1080,"url":"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/09\/Non-Convertible-Debentures.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Pocketful_HQ","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/","url":"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/","name":"Non Convertible Debentures (NCDs): Types, Features & How to Buy","isPartOf":{"@id":"https:\/\/wp-api.pocketful.in\/blog\/#website"},"datePublished":"2025-09-13T06:03:47+00:00","dateModified":"2025-10-09T06:37:55+00:00","description":"Learn about Non Convertible Debentures (NCDs), their types, features, and how to buy them. Explore benefits, risks, and tax implications.","breadcrumb":{"@id":"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/wp-api.pocketful.in\/blog\/personal-finance\/what-is-non-convertible-debentures\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog Home","item":"https:\/\/wp-api.pocketful.in\/blog\/"},{"@type":"ListItem","position":2,"name":"What is Non Convertible Debentures?"}]},{"@type":"WebSite","@id":"https:\/\/wp-api.pocketful.in\/blog\/#website","url":"https:\/\/wp-api.pocketful.in\/blog\/","name":"Pocketful blog","description":"Learn Stock market trading, investing &amp; more","publisher":{"@id":"https:\/\/wp-api.pocketful.in\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/wp-api.pocketful.in\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/wp-api.pocketful.in\/blog\/#organization","name":"Pocketful","alternateName":"Pocketful Broker","url":"https:\/\/wp-api.pocketful.in\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/wp-api.pocketful.in\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/08\/Logo_Final-01-1-3-1.png","contentUrl":"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/08\/Logo_Final-01-1-3-1.png","width":150,"height":26,"caption":"Pocketful"},"image":{"@id":"https:\/\/wp-api.pocketful.in\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Pocketful.HQ\/","https:\/\/twitter.com\/Pocketful_HQ","https:\/\/www.linkedin.com\/company\/pocketfulofprofits\/","https:\/\/www.instagram.com\/pocketful.official\/"]}]}},"article_history_entries":[{"type":"Edit","author":{"id":7,"name":"Pocketful Team","url":"pocketful"},"content":"Post created","date":"2025-09-12 06:39:47","id":"ah_68c3c0330ef788.87656934"}],"image_url_featured":"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2025\/09\/Non-Convertible-Debentures.jpg","_links":{"self":[{"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/personal-finance\/21349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/personal-finance"}],"about":[{"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/types\/personal-finance"}],"author":[{"embeddable":true,"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/users\/10"}],"version-history":[{"count":3,"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/personal-finance\/21349\/revisions"}],"predecessor-version":[{"id":22161,"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/personal-finance\/21349\/revisions\/22161"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/media\/21385"}],"wp:attachment":[{"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/media?parent=21349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/categories?post=21349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp-api.pocketful.in\/blog\/wp-json\/wp\/v2\/tags?post=21349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}