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Corporate Fixed Deposits for Higher, Fixed Returns

Higher interest rates
Regular Incomes
No Market Volotality
Tax Efficient

Did you know?

Highest credit rating for a FD is Triple-A
There are 139 companies in India rated as AAA by CRISIL
India’s Market Capitalisation stands at ₹300 Lakh Crores
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Top Fixed Deposits For You

Utkarsh Small Finance Bank
₹5,000
8.25%
/fd/utkarsh-small-finance-bank
Shivalik Small Finance Bank
₹5,000
9%
/fd/shivalik-small-finance-bank
Suryoday Small Finance Bank
₹5,000
9%
/fd/suryoday-small-finance-bank
Bajaj Finance
₹15,000
8.65%
/fd/bajaj-finance
Shriram Finance
₹5,000
8.47%
/fd/shriram-finance
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What is Corporate FD?

A Corporate Fixed Deposit (FD) is simply a fixed deposit issued by a corporate entity other than a regulated bank. Similar to traditional bank FDs, corporate FDs provide a fixed interest rate over a specified period. However, corporate FDs offer higher interest rates compared to bank FDs, making them appealing to investors seeking better returns.
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How Does Corporate FD Work?

A Corporate Fixed Deposit (FD) is similar to a bank FD but instead of parking your money with a bank, you lend your money to corporations or non-banking institutions. When you invest in a corporate FD, you choose an issuer based on their credit rating and track record and decide your investment amount and period. The issuer on its part pays you a fixed interest rate for the duration of the fixed deposit at predetermined intervals. The interest can either be in the form of simple interest or compound interest. Similar to a bank fixed deposit, you get your principal amount and accrued interest if any at the time of maturity.
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Why Invest In Corporate FD?

Higher Interest Rates

Safe & Secure Investment

Portfolio Diversification

More than 150 investment opportunities to choose from

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Why Invest In Corporate FD With Motilal Oswal

More than 150 AAA rated corporate FDs to choose from

Investments starting from Rs 10,000

Flexible Investment Tenure

Flexible Interest Payment Frequency

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LEARN MORE ABOUT CORPORATE FDs

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Ditch the complexities, Embrace simplicity with - Corporate FDs

Free Account Opening
2-1 Demat and Trading Account
0 AMC for Lifetime

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Highlights

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Market Leaders for a Reason!

36+ Years of Robust Research
50+ Investment tools
2,520+ Branches
1,100+ Investment Advisors

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Corporate FDs For Every Risk Profile!

Low risk Deposits Suitable for investors who are typically risk-averse and prefer to invest in safe investments that offer stable returns

Liquid Deposits Suitable for investors who want the flexibility to withdraw their funds partially or fully before the maturity date without incurring any charges

Cumulative Deposits Suitable for investors who want to grow their wealth over a long term and not looking for regular income

High Return Deposits Suitable for investors who are willing to take higher risks in order to earn potentially higher returns.

LEARN MORE ABOUT CORPORATE FDs

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What is Corporate Fixed Income?

Corporate Fixed Income (FI) refers to a fixed deposit issued by a corporate entity, rather than a regulated bank. It offers a fixed interest rate over a specified period and typically provides higher interest rates compared to traditional bank fixed deposits.

Why should I invest in Corporate Fixed Income?

Higher Interest Rates:  Earn better returns compared to traditional bank FDs.

Safe & Secure Investment:  Offers a secure way to grow your wealth.

Portfolio Diversification: Adds diversity to your investment portfolio.

Variety of Options: Over 150 investment opportunities to choose from

Is it safe to invest in Corporate FD?

Fixed Deposits are among the safest and most reliable investment choices. Corporate FDs are not linked to the market, meaning their returns are not influenced by capital market fluctuations. With pre-determined interest rates, Corporate FDs eliminate uncertainty and risk, providing consistent and predictable returns.

Who can invest in corporate FD?

Anyone who is an Indian resident of 18 years with valid identification (Aadhar Card and PAN card) can invest in corporate FD.

What documents are required to invest in corporate FD?

To start investing in Corporate FD, you must have Aadhaar card linked with your Mobile Number and PAN Card to validate KYC.

What types of Corporate Fixed Income deposits are available for different risk profiles?

Low Risk Deposits:  Ideal for risk-averse investors seeking stable returns.

Liquid Deposits:  Suitable for investors who need flexibility to withdraw funds before maturity without incurring charges.

Cumulative Deposits:  Perfect for long-term investors not seeking regular income.

High Return Deposits: For those willing to take higher risks for potentially higher returns.

What happens at the end of the maturity period?

At the end of the maturity period, investors receive their investment capital along with the accrued interest.

Can I withdraw my investment before maturity?

Yes, you can withdraw your investment prematurely by submitting a withdrawal request. However, premature withdrawals may incur an exit load or penalty, depending on the specific corporate FD.

What should I consider when choosing a Corporate Fixed Income deposit?

Credit Rating of the Corporation:  Ensure the issuer has a good credit rating.

Rate of Interest:  Compare interest rates offered by different issuers.

Tenure:  Choose a tenure that aligns with your investment goals.

Early Withdrawal Terms and Conditions: Understand the penalties or exit loads for premature withdrawal.

How do I apply for Corporate Fixed Income?

To apply for Corporate Fixed Income with Motilal Oswal, register with us, and our executives will contact you shortly.
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