Choose Corporate FDs over Traditional FDs

A Fixed Deposit is often considered as the most effective saving instrument. It comes with a predefined rate of interest and guaranteed returns. Also, it can be easily opened online and is offered by all banks. Keeping these features in mind, have you considered a corporate FD over Traditional FDs? They are equally lucrative and offer higher returns in comparison to Traditional FDs.

The benefits and features of corporate FDs are:

1. They are offered as Bonds, Non-Convertible Debentures or as Fixed Deposit Schemes by companies and financial institutions.
2. They function like normal bank FDs, but come with higher interest rates (9%-13%).
3. They offer flexibility in terms of selecting your tenor or maturity terms.
4. Corporate FDs are not influenced by market forces.
5. Corporate FDs are low-medium risk investments.
6. They can be easily liquidated.
7. They offer premature withdrawals without restrictions.
8. Company FDs offer non-cumulative and cumulative interest pay-outs.
9. The ratings of corporate FDs are handled by credit agencies like ICRA and CRISIL.
10. An investor can select the frequency of interest payments: monthly, quarterly, half-yearly, annually, or on a cumulative basis.

The above benefits and features are also the reason why people select Corporate FDs over Traditional FDs.

The eligibility criteria to hold a corporate fixed deposit are:

• Residents of India
• Members of Hindu Undivided Family (HUF)
• Partnership companies
• Corporates
• Clubs
• Educational institutions
• Cooperatives
• Societies
• Associations

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