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Fixed Deposit (FD)
Fixed deposits are financial instruments offered by banks and financial institutions where an individual deposits a certain amount of money for a specified period of time, usually at a fixed interest rate. They are considered low-risk investments because the interest rate is predetermined and the principal amount is guaranteed. Fixed deposits typically have terms ranging from a few months to several years, and the interest earned depends on the amount deposited, the interest rate, and the duration of the deposit.
Corporate Fixed Deposits
Company Fixed Deposit (corporate FD) is a term deposit which is held over fixed period at fixed rates of interest. Company Fixed Deposits are offered by Financial and Non-Banking financial companies (NBFCs). The maturities of various company fixed deposits can range from a few months to a few years. Corporate Fixed Deposits are one of the many money raising tools for Companies. Through these, Companies raise money from the public and offer a fixed rate of interest for different tenures. The amount of money which can be raised is decided by the Approving authorities. As a part of your portfolio, Corporate Fixed Deposits provide much needed stability in returns and also reduce volatility. They best suit investors who prefer fixed returns on their investments.
Other General Features
● These have periodic interest payment option (Monthly, Quarterly, Semi Annually, Annually) and Cumulative option (Compounded and paid at maturity) specific to the deposit. ● They offer higher rates of interest than regular bank deposits. ● Issue is rated by Independent Rating agencies like CARE, CRISIL, ICRA etc. ● Fixed Deposits can be bought online ● No TDS if interest is up to Rs. 5000 in a single financial year.