Company fixed deposit is better than bank fixed deposit as it offers higher interest rates, as compared to bank fixed deposit interest rates. Bank FD rates are determined by several factors which may be affected by the interest rate movement decided by the Reserve Bank of India (RBI). However, with company FD, you can be assured of high interest rates.
When investing in company FD, you may want to choose issuers offering high interest rates, which also carry the risk of delays or defaults. In order to make the right choice, it is best to choose a safe company fixed deposit that is accredited with high stability ratings by credit rating agencies like CRISIL and ICRA.
Invest in fixed deposits from Corporate and make use of various features that help you meet your life goals. FD investors get to experience a variety of beneficial features, some of which we have explained here.
Flexible periodic interest payout options:
No effect of market fluctuations: FD rates are pre-determined and free from any market fluctuations. You can be assured of guaranteed returns along with the high FD Rates with company fixed deposits.
Designed for convenience – Invest anytime, anywhere using our iMobile, internet banking, branches, ATMs or customer care
Instant – Need funds for emergencies? Get an overdraft against your FD or opt for partial withdrawal.
Liquidity: - Loan Against fixed deposit is easily available even up to 75% of the maturity amount. Another way to achieve liquidity is the option of premature withdrawal with a minimal penalty.
Competitive interest rates. Investment starts with as low as just ₹10,000 across flexible tenures to suit your needs, from seven (7) days to up to ten (10) years.
Fixed deposits come with a fixed rate of interest when you open one. The rates of interest themselves keep getting revised from time to time, based on key lending rates. But you only get the rate of interest you locked into while booking the fixed deposit. We, offers one of the highest Deposit rates in the country, and has been a preferred bank to open FDs with, for many years now, given its security, pedigree and attractive rate of interest...
Unlike financial instruments that depend on market movements, which are volatile, for you to profit from, fixed deposits are secure instruments since they give steady returns. For example, if the interest rates were to fall, you will still earn the rate of interest you were promised while booking the FD.
How much your returns on investment are on an FD will really depend on the interest rate and tenure of the FD you choose. You are likely to get more from investing in a long term FD but short term FD will give you more liquidity, depending on whether if your financial requirement is more immediate. You can also pick various options in FDs where you can either reinvest the proceeds you get from an FD or you can request for pay outs on a quarterly or monthly basis. In both the cases, the returns will vary
