Not safe. Shouldn't trap in higher rate of interest. You can see the result of DHFL and SREI NCD was looted money of NCD holder. So be safe to invest in Bank or Post office for guaranteed return of your capital.
Please koi clear clear ye bata sakta hai ki manualy form fill kar ke MEERUT mein kaun se bank mein submit karna hai? No rwap. No net banking. No upi. No debit card.