Introduction
Adani Enterprises Ltd (AEL) serves as the founding company in the Adani Group, which is one of India's largest multi-faceted corporations, with operations in areas from energy, infrastructure, logistics and beyond. AEL enables all new business ventures for all Adani Group Companies to grow into successful independent entities over time.
As part of the Adani Group, investor confidence is maximized through the strength of its wide-ranging portfolio and extensive market reach.
Adani Enterprises NCD – Key Highlights
Here’s a snapshot of the latest public issue details:
| Feature |
Details |
| Issuer |
Adani Enterprises Limited |
| Instrument Type |
Secured Redeemable NCD |
| Credit Rating |
Care AA-(Stable) and ICRA AA-(Stable) |
| Issue Opens |
6 January, 2026 |
| Issue Closes |
19 January, 2026* |
| Minimum Investment |
Rs.10,000 |
| Effective Yield |
Upto 8.90%* |
| Tenor |
24 Months, 36 Months, 60 Months |
| Face Value |
Rs.1000 per NCD |
Why Investors Are Interested
- Competitive Interest Rates: (Yields of up to 8.90% p.a.) on NCDs provide an opportunity for Investors to earn much higher than Traditional Bank deposits and many Fixed-Income Products available.
- Secured & Rated Instruments: NCDs are secured and grounded against assets which provides additional security to those who hold NCDs compared to Unsecured NCDs, and the strong Credit Rating assigned to them further enhances their credibility with potential investors.
- Strong Demand from the Market: The latest issue of NCDs was oversubscribed within Hours, reflecting high demand and confidence by the entire group of investors, especially non-institutional or retail Investors.
- Flexible Interest Payments: Investors have a choice of how frequently they receive their Interest payments, whether Quarterly, Annually and Cumulatively, which caters to both the needs of investors seeking regular income and those who prefer to keep their interest in place until maturity.
Risks & Considerations Before You Invest
Non-convertible Debentures are much safer than Buy/Sell Equity Markets. They are still classified as non-risk investments. Things you should consider with NCDs:
- Credit Risk: Although rated good, the issuer's financial health still plays a role in your return on investment. Ratings only indicate the likelihood of safety, but do not guarantee it.
- Interest Rate Risk: If following your investment in a non-convertible debenture, the market rates increase; the interest rates of that particular NCD will obviously decline in value.
- Liquidity Risk: Although listed on the stock exchange, NCDs may not trade frequently. Selling your NCDs before their maturity is often difficult or impossible.
- Tax Implications: Like all interest income, the interest you earned on NCDs, will be fully taxable according to your Income tax Slabs.
Who Should Consider Adani Enterprises NCDs?
- Risk-conscious investors looking for stable income
- Senior citizens seeking higher returns than bank FDs
- Investors diversifying their portfolio with debt instruments
- Individuals targeting predictable cash flows
How to Apply for Adani Enterprises NCD?
Registration with the Adani Enterprises NCD is also entirely online and hassle-free. Here are the steps involved:
1. Visit the Application Page
Go to the official RR Finance NCD page - Adani Enterprises NCD
2. Enter Your Basic Details
Fill in your name, mobile number, and PAN number carefully.
3. Verify and Confirm
Select the NCD Re-check your details before proceeding to payment.
4. Pay Securely via UPI Modes
Complete your investment using UPI or other available online payment modes.
5. Allotment and Confirmation
Once processed, you will receive the NCD units directly in your Demat account.
Conclusion
Adani NCDs are appealing alternative fixed-rate income investments with yield rates competitive with most fixed-rate products and strong ratings from internal and third-party agencies. As with all investments regardless of your choice of vehicles—and particularly when investing in NCDs—you should carefully consider the risks associated with these various types of investments and seek the advice of qualified financial consultants before you invest in them.
In short, if you are looking for a way to build a strong financial foundation or have an adequately diversified portfolio, investing in these NCDs can help achieve both objectives, particularly for those who want stable, predictable cash flow with moderate risk.
Frequently Asked Questions (FAQs)
Adani Enterprises Limited NCDs stand out due to their secured structure, strong AA- credit ratings, and multiple tenure and interest payout options, offering investors flexibility along with relatively lower credit risk compared to many other corporate NCDs.
The CARE AA- (Stable) and ICRA AA- (Stable) ratings indicate a high degree of safety regarding timely interest and principal repayment, helping investors assess the creditworthiness of Adani Enterprises before investing.
Yes, these NCDs offer monthly, quarterly, annual, and cumulative interest options, making them suitable for investors seeking steady cash flow, including retirees and income-focused investors.
Since the NCDs are listed on stock exchanges, investors can sell them before maturity; however, the market price may vary based on interest rates and demand, and liquidity is not always guaranteed.
Adani Enterprises NCDs may suit moderate to conservative investors looking for predictable returns, but they should still evaluate credit risk, interest rate risk, and tax implications before investing.