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Stop investing in all NCD & also stop of your friends, family and clients. They all are just for name sake secured but are totally unsecured. You all will loose your hard earn money if you invest in NCD's . Never believe in credit rating agencies, regulators, audited financial results and past performance of company of company. No Insurance cover of one lac in NCD as we get in FD's. They make repayment of matured NCD out of new NCD's and fooling us.