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This solution allows the investment certificates to be traded on the secondary market for financial assets or in exchange for cash before the maturity date to any third party.

  • NCDs are invested for a fixed period ranging from 3 to 60 months.

  • The NCD can be invested at a fixed rate where interest will be paid at the end of each year or bi-annually if the investment is for longer than 12 months.

  • Clients who choose the floating rate option or Floating Rate Note (FRN) can receive the interest quarterly when the interest rate resets.

  • The investment certificate can be used as security when applying for a loan.​

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