{"id":4692,"date":"2022-10-21T12:42:13","date_gmt":"2022-10-21T12:42:13","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=4692"},"modified":"2026-04-14T07:54:19","modified_gmt":"2026-04-14T07:54:19","slug":"what-is-corporate-fixed-deposit","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/","title":{"rendered":"What is Corporate Fixed Deposit?"},"content":{"rendered":"<p>It shouldn\u2019t be a surprise for you to find out that Indians love Fixed Deposits. In fact, Fixed Deposits are the most widely used financial savings medium that has been and still is used by all traditional Indians. Whatever the reason for saving the capital, FDs simplify the process of reaching a financial milestone. For instance, if anyone is saving for a dream car, home, wedding, or vacation, having a fixed deposit for a particular reason helps to keep one\u2019s financial interest aligned with one\u2019s financial goals.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#The_Concept_of_Fixed_Deposit\" >The Concept of Fixed Deposit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#_Sovereign_Gold_Bond_and_Digital_Gold\" >\u00a0Sovereign Gold Bond and Digital Gold<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#What_kind_of_Fixed_Deposits_are_available\" >What kind of Fixed Deposits are available?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#What_is_a_Corporate_Fixed_Deposit\" >What is a Corporate Fixed Deposit?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#Why_should_you_choose_to_invest_in_Corporate_Fixed_Deposits\" >Why should you choose to invest in Corporate Fixed Deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#Who_should_invest_in_Corporate_FD\" >Who should invest in Corporate FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#Why_do_corporates_need_your_deposits\" >Why do corporates need your deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#Types_of_Government_Bonds\" >Types of Government Bonds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#Benefits_of_Corporate_FD\" >Benefits of Corporate FD<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#1_Assured_Returns\" >1. Assured Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#2_Higher_Interest_Rates\" >2. Higher Interest Rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#3_Flexibility_of_Tenure\" >3. Flexibility of Tenure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#4_Premature_Withdrawal\" >4. Premature Withdrawal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#5_Rated_by_Credit_Rating_Agencies\" >5. Rated by Credit Rating Agencies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#6_Loans_on_FD\" >6. Loans on FD<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#Tax_implication_on_CFD\" >Tax implication on CFD\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#How_do_I_build_trust_and_ensure_safety_for_my_investment\" >How do I build trust and ensure safety for my investment?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#On_the_whole\" >On the whole<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#Investment_Strategies_in_the_Bond_Market\" >Investment Strategies in the Bond Market<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-corporate-fixed-deposit\/#FAQs\" >FAQs\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_Concept_of_Fixed_Deposit\"><\/span><strong>The Concept of Fixed Deposit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most people make an assumption that Fixed Deposits mean stacking a big chunk of capital at a PSU where these banks pay a fixed rate of interest toward the capital. The capital gains that shall be incurred on the deposit are equivalent to whatever interest rate has been agreed to during the initial deposit period. The gained interest is payable monthly, quarterly, or annually depending on the needs of the depositor. If you have a fixed financial goal in mind and are not using the FD as a fixed source of income that it can actually be used for, then the amount can be withdrawn as a lump sum at maturity. This has the advantage of compounding as the interest earned on the capital the previous year is added to the principal amount the next year.<\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"_Sovereign_Gold_Bond_and_Digital_Gold\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/sovereign-gold-bond-and-digital-gold\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Fixed_Deposit\"><strong>\u00a0Sovereign Gold Bond and Digital Gold<\/strong><\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h2><span class=\"ez-toc-section\" id=\"What_kind_of_Fixed_Deposits_are_available\"><\/span><strong>What kind of Fixed Deposits are available?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>FDs can be made at banks and most PSUs which are government-owned banks and NBFCs which are non-bank financial institutions\/companies. Both these mediums are excellent for anyone willing to make fixed returns on their investable capital. The interest rates that can be received can be checked and the total amount that will be received upon investment will be calculable even before the investments are made.<\/p>\n<p>Senior citizens can avail higher interests on the Fixed Deposits in both these mediums which makes FDs attractive for retirement. Fixed Deposits also act as a source of income and suit best for people who need fixed monthly income as well. The PSU-owned Fixed Deposits are highly trustworthy and are insured by the DICGC up to half a million rupees (Rs 5,00,000). However, the Corporates that take public money are highly scrutinized as there are extremely cautious rules and regulations in place for a Corporate entity in order to be eligible to offer Fixed Deposits. Even though there are 10,000 such institutions, hardly a few are eligible for offering FD schemes to the general public. It is advised that anyone willing to make investments in such companies make their own due diligence which includes checking the track record of such institutions and also closely observing their financials such that the pledged investments are safe against company defaulting, as such a scenario is NOT insured by DICGC.<\/p>\n<p>However, there are agencies that rate these companies by taking into account all the financial state parameters, thereby making it easier for the general public to make decisions. It is still mandatory to closely track these companies for negative advancements with respect to financial conditions as the invested capital is not insured but the penalty period is generally lesser than for PSU based FDs owing to such instabilities. In fact, this is what makes corporate FDs lucrative for an informed investor.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-5163\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-724x1024.png\" alt=\"Corporate FD vs Bank FD\" width=\"306\" height=\"433\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-724x1024.png 724w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-212x300.png 212w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-768x1086.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-1086x1536.png 1086w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-1448x2048.png 1448w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-1170x1655.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2-585x828.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/10\/13075954\/Bank-FD-vs-Corporate-FD-2.png 1587w\" sizes=\"(max-width: 306px) 100vw, 306px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Corporate_Fixed_Deposit\"><\/span><strong>What is a Corporate Fixed Deposit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b><i>\u201cA corporate fixed deposit (FD) is a financial instrument provided by corporates that provide investors with a higher rate of interest than a bank fixed deposit, until the given maturity date.\u201d<\/i><\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_should_you_choose_to_invest_in_Corporate_Fixed_Deposits\"><\/span><strong>Why should you choose to invest in Corporate Fixed Deposits?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>One of the main benefits of making an investment offered by <a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-bonds\/what-are-corporate-bonds\/\">Corporate<\/a> is the return rate of interest. Typically, these companies are raising capital from the general public for use in company growth and the certainty of growth is reflected in the higher interest that is offered to the depositor. Given strong financial stability and proper financial plan from the company, it is only logical that the institution itself will use the capital to expand its operations which implies a bigger company, higher revenue, and a higher cash flow for the company in the short term projections.<br \/>\n<img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2022\/11\/30104403\/What-is-Corporate-Fixed-Deposit.gif\" alt=\"What is Corporate Fixed Deposit?\" \/><br \/>\nFrom the company standpoint, the offering is similar to offering an IPO for investors, but the major difference is that the growth of the company would not result in the dilution of promoter shares and the pledged amount by the investors will not be tied to the exact current financials of the company. As the company itself will be strong, that is, the minimum size of the company should be greater than 5000 crores to even offer the FD scheme, the company will pay the fixed interests that it owes to the depositors from the company financials and not exactly from the venture. For whatever reason, if the company\/institution is not at all doing well, then as a depositor, there\u2019s always an option to withdraw from the FD scheme.<\/p>\n<p>As long as the depositor is well-informed with respect to the company financials and will be on top of the general whereabouts of the institution in which one is invested, safety concerns can be kept at bay. The lucrative<a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-interest-rates-offered-by-nbfc-bonds\/\"> interest rates<\/a> that the depositor is entitled to can be easily used to attain one\u2019s own financial goals.<\/p>\n<p>When it\u2019s clear to be assured of higher interest rates through Corporate Fixed Deposit, on the other hand, it is noteworthy to consider the penalty period for early withdrawal. Usually, for withdrawing money early any time before maturity from a Bank Fixed Deposit the investor has to pay a penalty whereas for the Corporate Fixed Deposit, the penalty period is three months. Investments withdrawn before three months will only be penalized and not after that.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_should_invest_in_Corporate_FD\"><\/span><b>Who should invest in Corporate FD?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A corporate FD can complement any investor&#8217;s needs with premature withdrawal unlike the FD that locks your investment, but the point to note is that only some corporate FDs allow such a withdrawal with minimal conditions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By parking your investment in the corporate FD, you can choose intervals like monthly, quarterly, semi-annually, and annually for receiving the interest payments that meet your changing needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An investor should check the credit rating before investing in high-returning CFD as the lower rating increases the risk. That way a higher return and a good-rated corporate FDs are most beneficial over the higher return low-rated corporate FDs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But if you have a higher risk appetite, investing in a Corporate FD can still be an option, if you can diversify your investment in other Corporate FD that have higher than normal returns compared to a bank FD and a good credit rating such as AAA.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_do_corporates_need_your_deposits\"><\/span><strong>Why do corporates need your deposits?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Just like how banks operate, corporates create a revenue flow by making reinvestments. More specifically, the core difference in the operation of the corporates is the fact that the corporates operate specifically to a segment. There are companies that invest in real estate, tourism, etc. The companies bank on the growth projection of an entire industry and make smart bets on the expansion of industry-leading companies and industry-redefining companies that require capital injection for company growth. The corporates provide this capital at a higher interest rate and earn via the net interest difference. There are other sources as well that are non-interest related such as loan-processing fees but the major source is interest-based revenue. If the entire portfolio owned by the corporate returns greater yields, it implies higher liquidity and asset appreciation for the corporate. Having now known the way these companies\/institutions work, you can better understand the risks as well as the opportunities associated with being involved in an FD scheme offered by NBFCs.<\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Types_of_Government_Bonds\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/types-of-government-bonds\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Fixed_Deposit\"><strong>Types of Government Bonds<\/strong><\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_of_Corporate_FD\"><\/span><b>Benefits of Corporate FD<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"1_Assured_Returns\"><\/span>1. Assured Returns<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Feature: Corporate FDs offer fixed interest rates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Benefit: <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/\">Investors<\/a> can rely on stable and assured returns, unaffected by market fluctuations, facilitating effective investment planning.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"2_Higher_Interest_Rates\"><\/span><strong>2. Higher Interest Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Feature: Corporate FDs often provide comparatively higher interest rates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Benefit: Investors can earn better returns than traditional bank FDs, making Corporate FDs an attractive choice.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"3_Flexibility_of_Tenure\"><\/span><strong>3. Flexibility of Tenure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Feature: Corporate FDs offer flexibility in choosing the investment tenure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Benefit: Investors can align the tenure with their financial goals and preferences, with the option for customizing the investment period.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"4_Premature_Withdrawal\"><\/span><strong>4. Premature Withdrawal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Feature: Many Corporate FDs allow for premature withdrawal with fewer conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Benefit: Investors have the flexibility to access their funds when needed, making these FDs more liquid compared to other locked-in investments.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"5_Rated_by_Credit_Rating_Agencies\"><\/span><strong>5. Rated by Credit Rating Agencies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Feature: NBFCs offering Corporate FDs are rated by credit rating agencies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Benefit: This rating system helps investors assess and select options based on their risk tolerance and investment objectives.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"6_Loans_on_FD\"><\/span><strong>6. Loans on FD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Feature: Corporate FDs may offer loans of up to 75% of the FD value.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Benefit: Investors can access funds through loans against their FDs, providing liquidity and financial flexibility.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tax_implication_on_CFD\"><\/span><strong>Tax implication on CFD\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As per the Income Tax Act,\u00a0 it mandates that if your corporate FD interest in a year exceeds Rs. 5,000, Tax Deducted at Source (TDS) will be deducted.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So the interest is considered as the income from other sources and is taxed according to the tax slab you come under.\u00a0 Suppose you fall under the 10% tax bracket,\u00a0 10% tax is applicable on the interest income.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re in the zero or NIL tax bracket, you must submit Form 15H annually to prevent TDS deductions.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_build_trust_and_ensure_safety_for_my_investment\"><\/span><strong>How do I build trust and ensure safety for my investment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fundamentally, only large-cap corporates that have a strong history are eligible to create an FD scheme. There are credit rating agencies such as CRISIL, ICRA, and CARE which rate all the companies that are offering corporate FDs. The financials of such companies can be checked and studied by using various metrics such as CAGR (Compounded Annual Growth Rate), PEG Ratio (Price Earnings to Growth Ratio), Quality of assets owned by the Corporate, Revenue Statements, Profitability, etc. A deeper insight into the specific company that you want to deposit in ensures that the deposited capital is in safe hands and if things seem averse, they can anyway be withdrawn as early as one year. Platforms such as Tickertape can be used to study direct company-specific data and perform financial analysis.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"On_the_whole\"><\/span><strong>On the whole<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Having financial goals is mandatory for healthy financial growth. Investing in Fixed Deposits maximizes safety and guarantees a return on investment. Corporate Fixed Deposits can be taken advantage of and used by an informed safe investor for maximizing the returns one can earn from a Fixed Deposit. With just basic fundamental analysis and using the labels provided by the credit rating agencies, one can be informed and also feel safe about making such deposits in a Corporate and enjoy maximized return from an FD scheme which cannot be obtained by being involved in the same exact scheme but through a PSU.<\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Investment_Strategies_in_the_Bond_Market\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/investment-strategies-in-the-bond-market\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Fixed_Deposit\"><strong>Investment Strategies in the Bond Market<\/strong><\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>1. Can I do premature withdrawal?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Corporate FDs offer a premature withdrawal option but it need not be offered by all other companies as it may vary from company to company.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the case of a company offering premature withdrawal, as per the RBI\u2019s regulation on premature withdrawal, the deposits are currently locked in for 3 months. It states that the depositor can\u2019t withdraw until 3 months.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They can after 3 months but with penalties that vary. For instance, if it is after 3 months but before 6 months, then no interest will be offered. If it is after 6 months, then you may receive an interest that is 2% lower than the interest that you are supposed to receive in that period. In case the interest is not mentioned for the period then 3% is lowered to the existing interest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Again the penalty charges may vary from company to company.<\/span><\/p>\n<p><strong>2. What is the difference between a bank FD and a corporate FD?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Bank FDs are offered by banks to individuals, generally considered safer with lower interest rates and government-backed insurance. Corporate FDs are issued by companies, offering potentially higher interest rates but with more risk due to the issuer&#8217;s creditworthiness. The choice depends on your risk tolerance and financial goals to invest in the instruments you prefer.\u00a0\u00a0<\/span><\/p>\n<p><strong>3. Can you apply for a corporate FD online?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Yes, you can typically apply for a corporate FD online through the company&#8217;s official website or a financial platform that offers such services. Online applications for corporate FDs have become more common and convenient in recent years, allowing investors to complete the application and investment process electronically. Be sure to choose a reputable company and follow their specific online application procedures. Such as GoldenPi is one such Financial Sebi-registered platform that offers various fixed deposit instruments including corporate fixed deposits.\u00a0\u00a0<\/span><\/p>\n<p><strong>4. What is the minimum tenure for a corporate FD?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">The minimum tenure for a corporate fixed deposit (FD) can vary from one company to another. There is no fixed standard for the minimum tenure, and it depends on the terms and conditions set by the specific company issuing the FD. Some companies may offer corporate FDs with minimum tenures as short as a few months, while others may require a minimum tenure of a year or more. To find out the exact minimum tenure for a corporate FD, you should refer to the company&#8217;s FD offer document or contact them directly.<\/span><\/p>\n<p><strong>5. What are the tax implications?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Under the Income Tax Act, if your corporate FD interest for the year surpasses Rs. 5,000, TDS is obligatory. This interest is categorized as &#8220;income from other sources&#8221; and taxed based on your applicable tax bracket. For instance, if you&#8217;re in the 10% tax bracket, a 10% tax applies to the interest income. If you&#8217;re in the zero or NIL tax bracket, you need to submit Form 15H each year to avoid TDS deductions.<\/span><\/p>\n<p><strong>6. Is company FD different from Corporate FD?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">No, the terms &#8220;Company FD&#8221; and &#8220;Corporate FD&#8221; are often used interchangeably to refer to fixed deposits offered by non-banking financial companies (NBFCs) or corporations. They both essentially mean the same thing: fixed deposits issued by companies other than traditional banks. These FDs may offer different interest rates, tenures, and terms compared to bank FDs, but they are both non-bank fixed deposit options.<\/span><\/p>\n<div>Investments in debt securities\/ municipal debt securities\/ securitised debt instruments are subject to risks including delay and\/ or default in payment. Read all the offer related documents carefully.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>It shouldn\u2019t be a surprise for you to find out that Indians love Fixed Deposits. In fact, Fixed Deposits are the most&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12237,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[24],"tags":[],"class_list":["post-4692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-market"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Corporate Fixed Deposit? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"Learn the benefits of Corporate Fixed Deposits and understand Corporate FD meaning with GoldenPi. 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