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  • NCDs are certificates issued by Agribank as evidence of deposits.
  • NCDs are issued for a specified period and at a specific rate. They are negotiable instruments. This makes them attractive to an investor as an alternative to money market placing.
  • Yield on the NCDs is usually lower than that of fixed deposits.
  • On maturity NCDs are payable to the bearer hence utmost care must be exercised in taking custody of them.
  • NCDs can be issued for periods between 7 to 180 days