Find Top Performing Corporate FD Plans With Choice

Choose the desired company from our curated collection of high-performing Corporate FDs

Bajaj Finance Ltd.

Return % (p.a.)

7.40% - 8.60%

Min Investment

15,000

Tenure

1-6 Years

Lock-in

3 Years

Fund Size

Xx.xx

Benefits Of Investing in Corporate FDs With Choice

Choice Advantage

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

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

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:

How to trade commodity market - Choice
  • 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

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

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

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

Taxable Interest Income

The interest earned from Corporate FDs is considered taxable income under the Income from Other Sources section.
It is taxed as per the individual's income tax slab.

Tax-Free Bonds

TDS is deducted by the issuer on interest income exceeding ₹40,000 (₹50,000 for senior citizens) in a financial year.
The TDS rate is generally 10% if the PAN is provided; if PAN is not available, it increases to 20%.

Exemption from TDS (Form 15G/15H)

If your total interest income is below the taxable limit, you can submit Form 15G (for individuals below 60 years) or Form 15H (for senior citizens) to avoid TDS deduction.

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

Risk-Averse Investors

Income-Seeking Individuals

Investors Seeking Stability

Senior Citizens for Retirement Savings

Tax-Efficient Investors

Why Should You Invest

Interest Rates

Maximise Returns

- Higher yields compared to traditional bank deposits
- Predetermined returns over fixed periods
- Systematic financial planning

Risk Assessment

Strategic Advantages

- Carefully selected from established companies
- Balanced risk-return profile
- Supports diverse investment goals

Investment Terms

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

Credit Ratings and Risk Assessment

  • Review ratings from recognised agencies reflecting company creditworthiness
  • Understand credit rating implications for investment security
  • Assess company financial health indicators through Choice's reliable research insights

Market Position and Stability

  • Evaluate company track record and market presence
  • Consider current market conditions affecting FD rates
  • Assess the company's operational history and management quality

Investment Terms

  • Compare interest rates across different tenure options
  • Select a duration matching your investment timeline
  • Consider liquidity needs when choosing payout frequencies

Portfolio Strategy

  • Plan diversification across different companies and credit ratings
  • Implement regular monitoring through the Choice FinX platform
  • Consider FD allocation within your overall investment portfolio

Eligibility Criteria for Company FD

Investors meeting the following criteria can invest in corporate FDs

Resident Individuals (18+)

Resident Individuals (18+)

Eligible to invest; minors can apply through a guardian.

Hindu Undivided Families (HUFs)

Hindu Undivided Families (HUFs)

Investments allowed in the name of the HUF, with Karta’s documents required.

Energy - Types of commodity

Registered Organisations & Trusts

Registration/trust deed & authorized signatory details with standard KYC required.

Partnership Firms

Partnership Firms

Eligible with partnership deed & authorization, plus standard KYC documents.

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

FD Calculator

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NPS Calculator

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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.