Corporate Fixed Deposits


Corporate fixed deposit is a deposit in company for a fixed rate of return over a fixed period of time. The rate of interest is determined by the tenure of the deposit as well as other factors. NBFC’s, Housing Finance & Manufacturing companies accept such deposits. The corporate fixed deposit is governed by section 58A of the Companies Act. Corporate fixed deposit is a good option for investment as it provides higher rate of interest compared to bank deposits.

It is a good source of regular income by means of monthly, quarterly, half-yearly, or yearly interest incomes.Performance of the company should be reviewed from time to time and at the maturity of deposit, by analyzing Balance Sheet & Share Prices movement. This will be helpful in deciding whether the deposit should be renewed or not.



I'm Interested in

Key Features

  • Higher rates of interest.
  • Senior citizen benefits available.
  • Loan Facility Available.
  • No TDS in case the interest is only Rs. 5000 in one financial year.
  • Flexible tenure ranging from 1 year to 10 years.
  • Prematurity clause is available.
  • Nomination facility available.
  • Regular interest incomes - Monthly, Quarterly, Half-yearly, or Yearly





Company Name Rating 12M 15M 18M 22M 24M 30M 36M 44M 48M 60M Who Can Apply Download Form
Bajaj Finance Ltd. (Ind & HUF)(upto Rs. 5 Cr) CRISIL: FAAA, ICRA: MAAA 5.75% - - - 6.40% - 7.00% - 7.00% 7.00%
HDFC Ltd- Regular Deposit for Individual (upto Rs.2 Cr.) CRISIL: FAAA, ICRA: MAAA 5.55% - - - 5.95% - 6.20% - 6.20% 6.50%
HDFC Ltd- Regular for Individual & Trust (>Rs.2 Cr to Rs. 5 Cr) CRISIL: FAAA, ICRA: MAAA 5.45% - - - 5.75% - 6.15% - 6.15% 6.25%
HDFC Ltd-Premium Deposit for Trust & HUF (upto Rs. 2 Cr.) CRISIL: FAAA, ICRA: MAAA - 5.75% 5.85% - - 6.00% - - - -
HDFC Ltd-Premium Deposit for Indiviual (upto Rs. 2 Cr.) CRISIL: FAAA, ICRA: MAAA - 5.80% 5.90% 6.05% - 6.10% - 6.45% - -
HDFC Ltd-Special Deposit for Individual (upto Rs. 2 Cr.) CRISIL: FAAA, ICRA: MAAA - - - - 33M=6.35% - - - 66M=6.70% 99M=6.80%
HDFC Ltd-Special Deposit for Trust & HUF (upto Rs. 2 Cr.) CRISIL: FAAA, ICRA: MAAA - - - - 33M=6.20% - - - 66M=6.60% 99M=6.70%
ICICI Home Finance (less than 2 Cr.) CRISIL: FAAA, ICRA: MAAA, CARE: AAA 5.25% - - - 5.65% - 6.10% - 6.10% 6.55%
KTDFC (Kerala Transport) Kerala Govt. 6.00% - - - 6.00% - 6.00% - 5.75% 5.75%
LIC Housing Finance Ltd.(upto Rs. 20 Cr.) CRISIL: FAAA 5.15% - 5.50% - 5.65% - 5.90% - - 6.00%
M&M Financial services Ltd (upto Rs. 1 Crore) CRISIL: FAAA 5.50% - - - 6.20% - 6.30% - 6.45% 6.45%
PNB Housing Finance Ltd.(upto Rs. 5 Cr.) CRISIL: FAA+, CARE: AA+ 5.75% - - - 6.15% - 6.60% - 6.70% 6.85%
Shriram Transport Finance-Unnati Scheme CRISIL: FAAA, ICRA: MAA+ 6.50% - - - 6.75% - 7.50% - 7.60% 7.75%
Shriram City Union Scheme ICRA: MAA+; CARE: AA 6.50% - - - 6.75% - 7.50% - 7.60% 7.75%
HDFC Ltd- Regular for Individual & Trust (>Rs.5 Cr to Rs. 10 Cr) CRISIL: FAAA, ICRA: MAAA 5.20% - - - 5.75% - 5.95% - 5.95% 6.15%
HDFC Ltd- Regular Deposit for Trust & HUF (upto Rs.2 Cr.) CRISIL: FAAA, ICRA: MAAA 5.45% - - - 5.85% - 6.10% - 6.10% 6.40%