What is a Corporate FD?

Corporate Fixed Deposit (corporate FD) also known as company fixed deposits, is a term deposit which offers a fixed rate of interest over a fixed period of time. It is offered by many banks and NBFCs across India. The maturity of various corporate fixed deposits range from a few months to a few years. Corporate Fixed Deposits are a popular choice because the corporate fd rates offered are higher compared to the Fixed Deposit rates offered by banks.

Benefits of Corporate/Company FD

Periodic Interest Payment: One of the best benefits of corporate FD is that Non-Banking Financial Companies like Bajaj Finserv offer periodic payment options like monthly, quarterly and annual payment options at a good corporate fd rate.

Immunity from Market Fluctuations: Another prominent benefit that corporate Fixed Deposits offer is immunity from market fluctuations as Fixed Deposits are free from any type of market fluctuations. You can be assured of high returns with the corporate FD rates offered by Bajaj Finance at Finserv MARKETS.

Liquidity: You can easily avail a loan against Fixed Deposit up to 75% of the maturity amount. Another method of achieving liquidity is prematurely withdrawing your corporate FD with a minimum penalty.

Features of a Corporate/Company FD

  • Company FDs offer benefits such as revision of interest rates based on your returns. Bajaj Finance FD offers an extra 0.25% interest rates upon renewal. You can avail the special tenor scheme of 15 months offering a higher interest rate than any other bank FD.

  • With Bajaj Finance FD, senior citizens get an extra interest rate of 0.25%. Use our FD calculator and calculate your returns based on the amount invested. Open an FD account today via our easy application process from the comfort of your homes.

  • Bajaj Finance Fixed Deposit offers an investment period that ranges from 12 months to 5 years with attractive FD interest rates.

  • Finserv MARKETS and secured investments go hand in hand. Irrespective of market fluctuations, we promise high returns on fixed deposits. Be rest assured, your money is in safe hands.

How to choose a Corporate/Company FD

While choosing the corporate FD, it is important to choose the right FD as you may be falsely lured by financiers offering high interest rates. These companies do not inform you first-hand about the losses and delays of the invested amount. Hence, it is imperative to choose the right company FD.

  • Company Standing - Look for a company that is well-managed by checking their financial statements to ensure a long history of profitability.

  • Past repayment history - You company should pay your interest payments in a timely manner without any default.

  • Credit Rating - Credit rating helps identify the underlying risk of the company, hence pick a higher rated corporate FD.

FAQs

  • ✔️Which company offers the best corporate FD?

    Finserv MARKETS offers the best corporate FD to secure your wealth. Bajaj Finance Fixed Deposit offers you high interest rates of 7.25% and an extra 0.25% if you’re a senior citizen.

  • ✔️Is it safe to invest in corporate fixed deposits?

    Financial planners are recommending AAA rated corporate Fixed Deposits to such investors but with a caution to be mindful of the risk as company FDs do not carry any guarantee of capital safety.

  • ✔️Are corporate FDs taxable?

    Yes, the Interest income from Bajaj Finance Fixed Deposits is completely taxable. You can find the taxable income amount under the head ‘Income from Other Sources’ in your Income Tax Return. This amount is deducted at the time your interest is credited into your account, and not when the FD matures.

  • ✔️How are interest payments made in case of Company FDs?

    Interest is paid on monthly/quarterly/half yearly/yearly or on maturity basis and is sent either through cheque or ECS facility.

  • ✔️Is there any scope of appreciation of principal amount in case of Company FDs?

    No, there is no scope of appreciation of principal amount in case of Company FDs.

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