Corporate Deposits
Earn more than regular bank FDs with safe, high-yielding corporate instruments.
Request a Call BackCorporate Deposits
An avenue for enhanced fixed-income yields. Distribute your capital into highly rated corporate instruments to capture higher yield potential while maintaining structured credit safety.
How it works: Because corporate deposits are unsecured debt instruments, they offer higher interest yields than bank deposits to offset credit risk. You choose the tenure (1 to 5 years) and payout frequency. We support you by curating only highly rated corporate deposits.
Superior Yields with Professional Credit Oversight
Corporate Fixed Deposits are a great way to earn a higher rate of interest than bank deposits. However, they require careful selection based on credit ratings and financial health of the issuer. At Nani Bachat, we only recommend instruments from institutions with the strongest balance sheets.
Annual Yield Comparison
*Averaged rates for AAA-rated corporate deposits. Higher yields possible with longer tenures.
Rating & Default Risk Safety
Since corporate deposits are not insured by DICGC, our team maintains strict filter guidelines—recommending corporate deposits only carrying CRISIL and ICRA AAA/AA profiles from recognized agencies to safeguard your capital.
Popular Corporate Issuers
| Corporate Issuer | Credit Rating | Payout Frequencies | Highlights |
|---|---|---|---|
| Bajaj Finance Ltd | CRISIL AAA / ICRA AAA | Cumulative, Monthly, Quarterly, Half-yearly, Annual | Leading player in the retail deposit market |
| Mahindra Finance | CRISIL AAA / IND AAA | Cumulative, Quarterly, Half-yearly, Annual | Part of the Mahindra Group; strong rural footprint |
| HDFC Ltd / Merge Entities | AAA Rated | Cumulative, Monthly, Quarterly, Annual | Gold standard in safety and long-term trust |
| LIC Housing Finance | AAA Rated | Cumulative & Annual payout options | Promoted by LIC of India; high institutional stability |
Our Support Process
Issuer Credit Screening
Evaluating corporate balance sheets and monitoring active rating adjustments by credit agencies.
Yield Laddering
Assisting you in structuring multiple tenures to manage liquidity and optimize returns.
Digital Facilitation
Guiding you through paperless application forms, KYC uploads, and secure banking transfers.
Tax Form Support
Assisting with interest certificate aggregation and timely Form 15G/H submissions.
Frequently Asked Questions
What are corporate fixed deposits?
Corporate fixed deposits are debt placements offered by NBFCs and corporate entities. They offer a higher interest rate compared to bank fixed deposits, structured around credit rating risk levels.
How do credit ratings protect my investment?
Credit ratings from accredited agencies (like CRISIL, ICRA, CARE) represent an independent evaluation of the default risk. Highly rated FDs (e.g., AAA or AA+) denote strong interest servicing capabilities and capital safety.
Is there any tax on corporate FD interest?
Yes, interest earned on corporate FDs is fully taxable based on your individual tax slab. TDS is deducted by the corporate entity if the annual interest paid exceeds ₹5,000, which can be avoided by submitting Form 15G/H if eligible.
How secure are Corporate Fixed Deposits?
Corporate FDs carry slightly higher risk than bank FDs. However, by selecting only those corporate issuers with CRISIL and ICRA AAA/AA profiles from recognized agencies, you can ensure exceptional safety and timely payment of both principal and interest.