Bajaj Finance Ltd.
Interest Rate
7.40% - 8.60%
Min. Investment
15,000
Ratings
FAAA by CRISIL, MAAA by ICRA
Tenure
Research-Backed
FD Selection
Flexible
Investment Options
Regular
Updates & Tracking
Award-Winning
Expert Support
Find Top Performing Corporate FD Plans With Choice
Choose the desired company from our curated collection of high-performing Corporate FDs
HDFC Bank Ltd. (Through SMC)
Interest Rate
6.60% - 7.55%
Min. Investment
5,000
Ratings
Bank FD
Tenure
1-6 years
ICICI Home Finance
Interest Rate
6.90% - 7.80%
Min. Investment
10,000
Ratings
FAAA by CRISIL, AAA by CARE & MAAA by ICRA
Tenure
1-6 years
LIC Housing Finance Ltd.
Interest Rate
7.25% - 7.75%
Min. Investment
10,000
Ratings
FAAA by Crisil
Tenure
1-5 years
PNB Housing Finance Ltd.
Interest Rate
7.00% - 7.85%
Min. Investment
10,000
Ratings
FAA+ by CRISIL, AA+ by CARE
Tenure
1-5 years
Shriram Finance Ltd.
Interest Rate
7.85% - 8.80%
Min. Investment
5,000
Ratings
AA+ by ICRA, IND AA+
Tenure
1-6 years
M&M Financial services Ltd.
Interest Rate
7.50% - 8.10%
Min. Investment
5,000
Ratings
FAAA by Crisil
Tenure
1-5 years
HDFC Bank Ltd. (Direct)
Interest Rate
6.60% - 7.55%
Min. Investment
5,000
Ratings
Bank FD
Tenure
1-6 years
Benefits Of Investing in Corporate FDs With Choice
Choice Advantage
Make smarter investment choices with research-backed corporate FD selections. We evaluate credit ratings and company fundamentals to help you choose suitable options.
Digital Convenience
Book corporate FDs online from verified companies. We simplify comparing rates, tenures, and ratings to match your goals. Monitor portfolio, track maturity dates, and manage renewals easily.
Investment Flexibility
Choose from multi-tenure options — 12-60 months. Start investments with ₹25,000 and build a diversified FD portfolio with exposure to high-rated corporate entities.
Regular Interest Payouts
Select monthly, quarterly, or annual interest payment options to suit your regular income needs. Track earnings through our investor-friendly platform Choice FinX.
How to Invest in Corporate FD Online
Open an online account with Choice to invest in Corporate FDs
STEP 1
Register with mobile no.
for quick OTP verification
STEP 2
Complete KYC Process
by verifying your details
STEP 3
E-Sign via Aadhar
to activate your account
STEP 4
Choose a firm to invest
on credit rating & interest rate
Offline Process to Invest in Corporate FD with Choice
Choice offers the option to invest in Corporate Fixed Deposits offline:
- Step 1
Reach Out to Our Team
Get in touch with Choice Wealth to initiate your Corporate FD investment
- Step 2
Choose the Issuer
Select from reputed corporate FD issuers like HDFC, Shriram, PNB Housing Finance, and others, based on your preferences and requirements
- Step 3
Document Preparation
Submit the required documents::
- PAN or Aadhaar Card
- Address Proof (Aadhaar, Passport, Utility Bill, etc.)
- Recent Passport-Sized Photograph - Step 4
Application Form Submission
Fill out the Corporate FD application form with our assistance and submit the completed form along with the necessary documents to our team
- Step 5
Payment of Deposit Amount
Make the investment payment through a cheque, demand draft, or any other approved mode, as specified by the corporate issuer
- Step 6
Account Setup by Issuer
The selected corporate entity (e.g., HDFC, Shriram) will process the application and set up your FD
- Step 7
Receive FD Receipt
Once processed, you’ll receive an FD receipt from the corporate issuer as proof of investment, detailing tenure, interest rate, and maturity value
- Step 8
Track Your Investment
Stay updated on your investment status through regular communication with our team or the issuer's service portal
Corporate FD vs Bank FD
Understanding key differences between corporate and bank FDs helps make informed investment decisions
Interest Rates
Corporate FDs typically offer rates 1-2% higher than bank FDs, reflecting their risk-return profile.While Bank FDs provide sovereign backing, corporate FDs balance higher returns with carefully assessed company credentials.
Risk Assessment
Corporate FDs receive credit ratings from recognised agencies, providing transparent risk indicators.
Choice lists FDs from companies maintaining strong credit profiles and established market presence.
Investment Terms
Corporate FDs offer flexible tenure options from 12-60 months with various interest payout choices.
Minimum investment requirements start from ₹25,000, allowing portfolio diversification.
Carefully selected corporate FDs provide enhanced returns with appropriate risk assessment. While bank FD rates average 6-7% annually, our research identifies strong-performing companies with consistent interest payment track records. Choice FinX, our investment platform, offers comparisons and expert support to select FDs matching your investment criteria.
Tax Implications On Corporate Fixed Deposits
Corporate FD interest earnings are taxable at applicable income tax slab rates. The mandated TDS rate is 10% for annual interest exceeding ₹5,000. Recent guidelines maintain Form 15G/15H submission options for eligible investors seeking TDS exemption. Choice FinX can help you track tax implications and provide necessary documentation support.
Who Should Invest in Corporate FDs
Why Should You Invest
Maximise Returns
- Higher yields compared to traditional bank deposits - Predetermined returns over fixed periods - Systematic financial planning
Strategic Advantages
- Carefully selected from established companies - Balanced risk-return profile - Supports diverse investment goals
Choice FinX Difference
Connect with pre-vetted corporate FDs offer: - Consistent interest payments - Strong financial credentials - Flexible investment options
How To Choose The Best Company Fixed Deposit?
Selecting suitable corporate FDs requires evaluation of key parameters that indicate investment quality and align with your financial goals
Eligibility Criteria for Company FD
Investors meeting the following criteria can invest in corporate FDs
Resident Individuals (18+)
Eligible to invest; minors can apply through a guardian.
Hindu Undivided Families (HUFs)
Investments allowed in the name of the HUF, with Karta’s documents required.
Registered Organisations & Trusts
Registration/trust deed & authorized signatory details with standard KYC required.
Verification Required
PAN Card
Address proof
Bank details
Photo, Email ID
Mobile number.
Note: Issuer guidelines may require additional documents for certain entities.
Documents Required for Corporate FD
Complete your corporate FD investment by submitting
Basic Documents
- PAN card copy
- Address proof (Aadhaar/passport/driving license)
- Recent passport-size photograph
- Bank account details with the cancelled cheque
Additional Requirements
- Form 15G/15H for TDS exemption (if applicable)
- Guardian details for minor investments
- Partnership deed copy for firms
- Trust registration documents for trusts
Corporate FD Calculator
Plan your retirement corpus with our smart NPS calculator
Corporate Fixed Deposit FAQs
Corporate Fixed Deposits are term deposits offered by companies to raise funds for business operations. These investment instruments provide fixed returns over predetermined periods, with interest rates typically higher than traditional bank FDs.
When you invest in a corporate FD, you lend money to the company for a fixed period. The company pays interest at predetermined intervals and returns the principal amount at maturity. Interest payment frequencies include monthly, quarterly, or annual options based on your selection.
Corporate FDs typically offer tenures ranging from 12 to 60 months. The minimum period usually starts at 12 months, while the maximum tenure varies by company. The Choice FinX platform shows available tenure options for each FD offering.
Early withdrawal of corporate FDs is possible, subject to company-specific terms. Premature withdrawals may involve reduced interest rates and charges. Our platform provides detailed premature withdrawal terms for each FD option.
Interest calculation follows quarterly compounding for most corporate FDs. The earned interest can be received monthly, quarterly, or annually as per your selection. Some FDs also offer cumulative options where interest compounds until maturity.
Corporate FDs carry credit risk based on the issuing company's financial health. Credit ratings help assess this risk. Choice lists FDs from companies maintaining strong credit profiles, though these investments lack the sovereign guarantee available with bank FDs.
Yes, interest earned from corporate FDs is taxable as income at your applicable tax slab rate. TDS applies at 10% if the annual interest exceeds ₹5,000. Form 15G/15H submissions can help eligible investors avoid TDS.
Corporate FDs don't carry insurance coverage like bank deposits. Their security depends on the issuing company's financial strength. Our research team regularly monitors listed companies' financial health to help investors make informed decisions.
Yes, Choice's digital platform enables a complete online application for corporate FDs. The process includes digital KYC verification, FD selection, and secure payment options, supported by expert guidance when needed.
Access your corporate FD details through the Choice FinX app. Track investment amounts, interest credits, maturity dates, and renewal options. Regular email and SMS updates keep you informed about your investments.
NRI investments in corporate FDs are subject to RBI guidelines and company policies. Specific documentation and account requirements apply. Contact our relationship managers for detailed guidance on NRI investment options.
Interest rates vary based on company credit ratings, market conditions, and tenure selection. Higher-rated companies typically offer moderate rates, while lower ratings may correspond to higher rates reflecting increased risk levels.
Corporate FDs focus on fixed returns over predetermined periods, while bonds may offer different interest payment structures. FDs typically require lower minimum investments and offer simpler investment processes compared to bonds.
You can choose to renew the FD at prevailing rates or withdraw funds at maturity. Our platform sends timely reminders about approaching maturities and renewal options, helping manage your investments effectively.
Credit ratings indicate the company's ability to meet financial obligations. Higher ratings suggest lower risk. Choice provides detailed rating information and regular updates to help assess investment options.