Corporate Fixed Deposits for Higher, Fixed Returns

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.