Fixed Deposits

Corporate Fixed Deposits are a traditional and prevalent investment option that has been around for a long time. Opting for the right type of savings scheme can make a significant difference in ensuring guaranteed returns. Fixed Deposits provide the opportunity to create wealth at low risk and offer value-added benefits.

Deposits that are placed with companies for a fixed period and earn a predetermined rate of interest are referred to as Company Fixed Deposits. These deposits provide a higher rate of return as compared to those offered by banks.

Based on your preference, you can select the most suitable tenure from a wide range of options. Additionally, you have the flexibility to choose the frequency of interest payments that you wish to receive, including-

Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused. Premature encashment of deposit is available any time subject to payment of prescribed penalty.

Higher interest rates

Corporate Fixed Deposits offer higher interest rates compared to traditional bank Fixed Deposits.

Assured returns

The returns on Corporate Fixed Deposits are fixed and assured, which makes them a low-risk investment option.

Flexible tenures

It provides flexible tenures that can range from a few months to a few years, allowing investors to choose a suitable investment horizon.

Regular income

Investors can choose to receive interest payments at regular intervals, such as monthly, quarterly, half-yearly, or annually.

Credit ratings

FDs are rated by credit rating agencies, that provide investors with an understanding of company's stability & creditworthiness.


Investing in Corporate Fixed Deposits helps in diversifying an investor's portfolio, reducing overall risk and increasing returns.

Fixed Deposit Rate of Interest

Shriram Finance Ltd.

Additional interest of 0.50%* p.a. will be paid for Senior citizen (Completed age 60 years on the date of deposit/renewal)

Additional interest of 0.25%* p.a. will be paid on all Renewals, where the deposit is matured.

Additional interest of 0.10%* p.a. will be paid to Women Depositors.

Bajaj Finance Ltd.

PNB Housing Finance Ltd.

Mahindra Finance Ltd.

Fixed Deposit Rate of Interest (Individual)

RatingMin. Inv.12M15M18M24M36M44M48M60M
LIC Housing FinanceFAAARs. 20,0007.25%7.35%7.60%7.75%7.75%
HDFC DepositsFAAARs. 25,0006.77%7.29%7.197.19%7.40% for 35 Months7.19%7.19%7.45% for 55 Months
MAHINDRA FinanceFAAARs. 5,0007.40%7.60%7.70%7.75%7.75%
Bajaj FinservMAAARs. 25,0007.40%7.45%7.40%7.55%8.05%8.35%8.05%8.05%
PNB Housing FinanceAA/StableRs. 10,0007.35%7.00%7.70%7.40%7.50%
Shriram FinanceFAAARs. 5,0007.60%7.75%8.05%8.25%50M = 8.50%50M = 8.50%8.50%
** 0.25% extra for senior citizens

Fixed Deposit Rate of Interest (Trust)

HDFC Ltd (upto 2Cr.)Crisil-FAAA, ICRA-MAAA6.77%7.29% for 55 Months
HDFC Ltd (2Cr to 25Cr.)Crisil-FAAA, ICRA-MAA+7.45%7.24%7.24%7.50%7.19%7.19%7.19%7.19%
LIC Housing FinanceCrisil-FAAA7.25%7.35%7.60%7.75%7.75%
ICICI Home Finance (upto 1.99 Cr.)Crisil-FAAA, ICRA-MAA+7.00%7.30%7.40%7.50%7.50%
PNB Housing FinanceCrisil-FAA+, ICRA-AA+7.35%7.00%7.70%7.40%7.50%

Disclaimer: This material is for informational purpose only. It is not intended to construe as investment advice or an opinion concerning securities or public offer providing a basis for an investment decision.

Investing in Corporate FDs is a hassle free process with Nishith Dalal.