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Negotiable Certificate of Deposit and Floating Rate Notes

Guaranteed by the bank and can be sold by a third party, but cannot be cashed in before maturity.

Negotiable Certifcate of Deposit (NCD)

An NCD is a fixed deposit receipt which is tradable in the secondary market, which means that the holder of an NCD can sell it to a third party.

An NCD cannot be cashed before maturity.


Floating Rate Notes (FRN)

Floating Rate Notes are investments that have a variable rate benchmarked at a spread against a money market rate.

The foating interest rate is adjusted periodically, but the pread remains constant over the duration of investment.

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Negotiable Certifcate of Deposit and Floating Rate Notes

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