{"id":7307,"date":"2024-03-21T10:39:23","date_gmt":"2024-03-21T10:39:23","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=7307"},"modified":"2026-04-14T05:51:23","modified_gmt":"2026-04-14T05:51:23","slug":"different-types-of-corporate-fixed-deposit-schemes","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/","title":{"rendered":"What are the Different Types of Corporate Fixed Deposit Schemes Available?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When we talk about investments in India, fixed deposits are one of the most favoured ones. According to the latest survey by Business Standards, Indians have saved about <\/span><a href=\"https:\/\/www.business-standard.com\/finance\/personal-finance\/how-much-do-indians-save-in-fds-all-india-average-is-rs-42-573-123070700236_1.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">\u20b9103 trillion across 24.23 million deposits<\/span><\/a><span style=\"font-weight: 400;\">. Similar to the concept of bank fixed deposits, some corporations and NBFCs offer <a href=\"https:\/\/goldenpi.com\/corporate-fixed-deposits\" target=\"_blank\" rel=\"noopener noreferrer\">corporate fixed deposits<\/a>. These fixed deposits are known for their short-term period and higher returns. You can choose to invest in different types of <\/span>corporate fixed deposit schemes<span style=\"font-weight: 400;\">, depending on your needs and eligibility.\u00a0<\/span><\/p>\n<p><b><i>The new type of fixed deposits associated with corporations, rather than banks, have higher returns to offer, even in the short term. Get to know about the corporate fixed deposit to enhance your income and diversify.\u00a0<\/i><\/b><\/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 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#What_are_Corporate_Fixed_Deposits\" >What are Corporate Fixed Deposits?<\/a><\/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\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Types_of_Corporate_Fixed_Deposits\" >Types of Corporate Fixed Deposits<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Cumulative_Corporate_Fixed_Deposits\" >Cumulative Corporate Fixed Deposits<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Who_can_invest\" >Who can invest?<\/a><\/li><\/ul><\/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\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Non-Cumulative_Corporate_Fixed_Deposits\" >Non-Cumulative Corporate Fixed Deposits<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Who_can_invest-2\" >Who can invest?<\/a><\/li><\/ul><\/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\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#NRE_and_NRO_Corporate_Fixed_Deposits\" >NRE and NRO Corporate Fixed Deposits<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Who_can_invest-3\" >Who can invest?<\/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-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Steps_to_Apply_for_Corporate_Fixed_Deposits_Options\" >Steps to Apply for Corporate Fixed Deposits Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Corporate_FDs\" >Corporate FDs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#Bottom_Line\" >Bottom Line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#FAQs_on_Types_of_Corporate_Fixed_Deposits\" >FAQs on Types of Corporate Fixed Deposits<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#1_What_are_the_different_types_of_corporate_fixed_deposit_schemes_available\" >1. What are the different types of corporate fixed deposit schemes available?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#2_What_is_the_difference_between_corporate_bond_funds_and_corporate_FD\" >2. What is the difference between corporate bond funds and corporate FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#3_Can_we_break_corporate_FD_before_maturity\" >3. Can we break corporate FD before maturity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#4_What_is_the_tax_rate_for_corporate_FD\" >4. What is the tax rate for corporate FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#5_What_is_a_corporate_deposit\" >5. What is a corporate deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/different-types-of-corporate-fixed-deposit-schemes\/#6_Can_a_private_company_offer_corporate_FD\" >6. Can a private company offer corporate FD?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The returns are higher in corporate FDs than in traditional bank FDs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ideal for those investors who are looking to increase their income in a short period of time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate FDs serve the interest payout needs with varying options, from regular paying interest to compounded interest at maturity with non-cumulative and cumulative options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These are suitable even for NRIs\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate FDs are rated by renowned agencies like ICRA, CRISIL, and CARE.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salaried individuals, homemakers, NRIs and retirees can invest in Corporate FDs\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Based on individual tax slab, it is taxed with TDS on earned interest if it exceeds INR 5,000 in the financial year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premature withdrawal option is available but comes with a penalty for breaking it <\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"What_are_Corporate_Fixed_Deposits\"><\/span><strong>What are Corporate Fixed Deposits?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"alignnone wp-image-7318 size-full\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13105016\/What-are-Corporate-Fixed-Deposits-1.png\" alt=\"What are Corporate Fixed Deposits?\" width=\"1160\" height=\"550\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13105016\/What-are-Corporate-Fixed-Deposits-1.png 1160w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13105016\/What-are-Corporate-Fixed-Deposits-1-300x142.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13105016\/What-are-Corporate-Fixed-Deposits-1-1024x486.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13105016\/What-are-Corporate-Fixed-Deposits-1-768x364.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13105016\/What-are-Corporate-Fixed-Deposits-1-585x277.png 585w\" sizes=\"(max-width: 1160px) 100vw, 1160px\" \/><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-bonds\/6-risk-factors-to-evaluate-in-corporate-bond-investments\/\">Corporate<\/a> fixed deposits are one of the <\/span>types of fixed deposit schemes<span style=\"font-weight: 400;\"> offered by corporations. The RBI has granted permission to a certain number of <\/span><a href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/what-is-nbfc-and-what-does-it-signify\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Non-Banking Financial Companies (NBFCs)<\/span><\/a><span style=\"font-weight: 400;\"> to accept public deposits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Similar to standard bank FDs, corporate FDs are considered to be safe investment alternatives. The fund can be used by the corporation for lending to its borrowers or for growth purposes; however, the interest rate is fixed and not affected by market fluctuations.\u00a0 Company FDs are a great way for a lot of organisations to get funding from the general public. Several rating agencies assess the reliability of these fixed deposits, such as CRISIL, CARE, and ICRA.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Corporate_Fixed_Deposits\"><\/span><strong>Types of Corporate Fixed Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"alignnone wp-image-7317 size-full\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104947\/Types-of-Corporate-Fixed-Deposits.png\" alt=\"Types of Corporate Fixed Deposits\" width=\"1160\" height=\"550\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104947\/Types-of-Corporate-Fixed-Deposits.png 1160w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104947\/Types-of-Corporate-Fixed-Deposits-300x142.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104947\/Types-of-Corporate-Fixed-Deposits-1024x486.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104947\/Types-of-Corporate-Fixed-Deposits-768x364.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104947\/Types-of-Corporate-Fixed-Deposits-585x277.png 585w\" sizes=\"(max-width: 1160px) 100vw, 1160px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Based on the <\/span>corporate fixed deposit plans<span style=\"font-weight: 400;\">, these are the types of corporate fixed deposits:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cumulative_Corporate_Fixed_Deposits\"><\/span><strong>Cumulative Corporate Fixed Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A corporate fixed deposit that accumulates interest until the completion of the maturity period is known as a cumulative corporate fixed deposit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The principal amount increases as interest received within a year or period is invested again or added to the initial principal amount. This, in turn, increases interest. This is where compounding is used to its full potential. When your corporate <a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/beyond-big-banks-the-small-finance-bank-fd-playbook-for-better-yields\/\">FD<\/a> matures, you will be paid the maturity amount, which is the sum of your initial deposit and cumulative interest.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Who_can_invest\"><\/span><b>Who can invest?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">This kind of corporate FD works well for people who do not rely on interest income. These could be people with a consistent salary or those who make a good profit in all of their businesses.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Non-Cumulative_Corporate_Fixed_Deposits\"><\/span><strong>Non-Cumulative Corporate Fixed Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The depositor receives regular payments for the interest accrued in a noncumulative corporate fixed deposit. Interest is paid out on a monthly, quarterly, or semi-annual, yearly basis, depending on the specific conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Investors who invest in this type of FD receive a steady return because the bank does not withhold this interest. Since the benefit of compounding is not completely used, it pays lower interest than cumulative corporate FD.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Who_can_invest-2\"><\/span><b>Who can invest?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">The best applicants for this kind of corporate FD are homemakers, freelance workers, and retired people who want to take payments on their funds on a regular basis.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"NRE_and_NRO_Corporate_Fixed_Deposits\"><\/span><strong>NRE and NRO Corporate Fixed Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Non-Resident External (NRE) corporate Fixed Deposit is a tax-free, totally repatriable Indian Rupee deposit suited to Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) looking to maximise their overseas profits. According to section 10(4) of the IT Act, the principal amount, along with the interest received on these fixed deposits, is not taxable. The tenure extends from one to three years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Non-Resident Ordinary (NRO) corporate fixed deposit is a partially repatriable Indian Rupee FD for NRIs and PIOs who would like to deposit money earned in India. The interest earned on NRO deposits is liable for TDS.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Who_can_invest-3\"><\/span><b>Who can invest?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">This type of corporate FD is ideal for NRIs and PIOs who want to invest in Indian corporate FDs.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Steps_to_Apply_for_Corporate_Fixed_Deposits_Options\"><\/span><strong>Steps to Apply for Corporate Fixed Deposits Options<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"alignnone wp-image-7316 size-full\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104915\/Steps-to-Apply-for-Corporate-Fixed-Deposits-Options.png\" alt=\"Steps to Apply for Corporate Fixed Deposits Options\" width=\"1160\" height=\"550\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104915\/Steps-to-Apply-for-Corporate-Fixed-Deposits-Options.png 1160w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104915\/Steps-to-Apply-for-Corporate-Fixed-Deposits-Options-300x142.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104915\/Steps-to-Apply-for-Corporate-Fixed-Deposits-Options-1024x486.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104915\/Steps-to-Apply-for-Corporate-Fixed-Deposits-Options-768x364.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/03\/13104915\/Steps-to-Apply-for-Corporate-Fixed-Deposits-Options-585x277.png 585w\" sizes=\"(max-width: 1160px) 100vw, 1160px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Investing in <\/span>corporate FD schemes<span style=\"font-weight: 400;\"> is an easy process that consists of a few fundamental steps.<\/span><\/p>\n<p><b>Step 1:<\/b><span style=\"font-weight: 400;\"> Look into the different corporations that offer corporate FDs. Check for credit ratings from agencies such as CRISIL or ICRA; a higher rating shows reduced risk. Select a corporation that has a stable financial standing and is renowned.<\/span><\/p>\n<p><b>Step 2:<\/b><span style=\"font-weight: 400;\"> After deciding on an organisation, go over the Corporate FD&#8217;s terms. Take into account the minimum investment amount, payout timing, duration, and interest rate. Make sure that the conditions fit your risk threshold and investing goals.<\/span><\/p>\n<p><b>Step 3: <\/b><span style=\"font-weight: 400;\">Visit <\/span><span style=\"font-weight: 400;\">GoldenPi<\/span><span style=\"font-weight: 400;\"> and go to the <a href=\"https:\/\/goldenpi.com\/corporate-fixed-deposits\" target=\"_blank\" rel=\"noopener noreferrer\">corporate fixed deposit<\/a> sections. Choose the best option once you have read about the features of each corporate fixed deposit available on GoldenPi.<\/span><\/p>\n<p><b>Step 4: <\/b><span style=\"font-weight: 400;\">Get the application from the <a href=\"https:\/\/goldenpi.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Golden Pi website<\/a>. Provide the required information, including your full name, address, PAN, and bank account details.<\/span><\/p>\n<p><b>Step 5: <\/b><span style=\"font-weight: 400;\">In addition to the application form, provide the <a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/strategy\/what-all-documents-are-needed-for-online-kyc-process\/\">KYC<\/a> documents. This typically requires a photograph, address verification, and a copy of your PAN card.<\/span><\/p>\n<p><b>Step 6: <\/b><span style=\"font-weight: 400;\">Depending on the alternatives available, choose how much you want to invest and make the payment through your chosen payment option.<\/span><\/p>\n<p><b>Step 7: <\/b><span style=\"font-weight: 400;\">Following the processing of your application and payment, you will be issued a CFD. This document serves as a record of your investment.<\/span><\/p>\n<p><b>Step 8: <\/b><span style=\"font-weight: 400;\">Keep tabs on the interest payments and the maturity date. When the principal matures, reinvest it if it fits with your personal goals.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Corporate_FDs\"><\/span><span style=\"font-weight: 400;\"><strong>Corporate FDs<\/strong> <\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"footable_parent_8272\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <div class=\"pcrstb-wrap\"><table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"8272\" data-filter-delay=\"1000\" aria-label=\"What are the different types of corporate fixed deposit schemes available - Sheet1.csv\"            id=\"footable_8272\"\n           data-unique_identifier=\"ninja_table_unique_id_1949178383_8272\"\n           class=\" foo-table ninja_footable foo_table_8272 ninja_table_unique_id_1949178383_8272 ui table  nt_type_legacy_table fixed selectable celled striped vertical_centered  footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_corporatefds \">Corporate FDs<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_tenure \">Tenure<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_interest \">Interest<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"480\" class=\"ninja_table_row_0 nt_row_id_480\">\n            <td>Shriram Finance FD<\/td><td>1 to 5 years<\/td><td>7.59% to 8.47%<\/td>        <\/tr>\n            <tr data-row_id=\"481\" class=\"ninja_table_row_1 nt_row_id_481\">\n            <td>Muthoot Capital FD<\/td><td>1 to 5 years<\/td><td>7.21% to 8.38%<\/td>        <\/tr>\n            <tr data-row_id=\"482\" class=\"ninja_table_row_2 nt_row_id_482\">\n            <td>Manipal Housing Finance FD<\/td><td>1 to 5 years<\/td><td>8.25% to 7.75%<\/td>        <\/tr>\n            <tr data-row_id=\"483\" class=\"ninja_table_row_3 nt_row_id_483\">\n            <td>Mahindra Finance FD<\/td><td>1 to 5 years<\/td><td>7.50% to 8.1%<\/td>        <\/tr>\n            <tr data-row_id=\"484\" class=\"ninja_table_row_4 nt_row_id_484\">\n            <td>Bajaj Finance FD<\/td><td>1 to 5 years<\/td><td>7.40% to 8.1%<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table><\/div>\n    \n    \n    \n<\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span><strong>Bottom Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Corporate FDs provide an ideal option for people looking to increase their income while also diversifying their investments. <a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/factors-to-consider-before-investing-in-corporate-fixed-deposits\/\" target=\"_blank\" rel=\"noopener noreferrer\">Investing in Corporate Fixed Deposits<\/a> is a smart way to earn higher returns while minimizing risk, offering a stable income stream and a reliable alternative to diversify your portfolio. In comparison to bank FDs, they yield better returns. It is possible to compare them based on rating and operational variables, which facilitates one&#8217;s task of choosing an appropriate corporate FD option.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">GoldenPi<\/span><span style=\"font-weight: 400;\"> offers an extensive platform for people who want to invest in different types of corporate fixed deposits. You can assess your investment amount and maturity amount by entering the details for your investment. Happy investing!<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Types_of_Corporate_Fixed_Deposits\"><\/span><strong>FAQs on Types of Corporate Fixed Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_are_the_different_types_of_corporate_fixed_deposit_schemes_available\"><\/span><strong>1. What are the different types of corporate fixed deposit schemes available?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The options in corporate FDs are available based on payout options such as cumulative FDs that accumulate interest up until maturity, non-cumulative FDs that pay regular interest, and NRE and NRO corporate FDs for NRIs with some tax benefits. Thus giving higher returns to meet varying investor needs.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_is_the_difference_between_corporate_bond_funds_and_corporate_FD\"><\/span><strong>2. What is the difference between corporate bond funds and corporate FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Depending on personal financial objectives and risk tolerance, one could select between corporate bond funds and a corporate fixed deposit. Bond funds offer diversity but are susceptible to market swings, whereas fixed deposits give stable returns at a lower risk.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_we_break_corporate_FD_before_maturity\"><\/span><strong>3. Can we break corporate FD before maturity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The amount of the penalty may differ between banks and other financial institutions. It normally entails a 0.5% to 2% decrease in the interest rate.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_is_the_tax_rate_for_corporate_FD\"><\/span><strong>4. What is the tax rate for corporate FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Interest earned from Corporate FD is taxed as per the marginal tax slab rate of an individual. Also, 10% TDS is deducted from the interest payable if the total interest earned by an individual is &gt;=Rs. 5,000\/- in a Financial Year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Resident Individuals can avail exemption from TDS by submitting form 15G \/ 15H (as applicable). However, this declaration has to be submitted in every FY until maturity.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_is_a_corporate_deposit\"><\/span><strong>5. What is a corporate deposit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A corporate deposit is an interest-bearing deposit service that banks and other authorised financial institutions provide to their corporate banking customers. The target market for corporate deposits may include significant non-profits, governmental organisations, public agencies, and commercial enterprises.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_a_private_company_offer_corporate_FD\"><\/span><strong>6. Can a private company offer corporate FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The following are the requirements for Corporate\/Company FD eligibility: businesses that are registered under the 1956 Companies Act. Both private and public limited liability organisations are eligible. Any non-partnership firm that is not an unincorporated organisation is eligible.<\/span><\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between corporate bond funds and corporate FD?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depending on personal financial objectives and risk tolerance, one could select between corporate bond funds and a corporate fixed deposit. Bond funds offer diversity but are susceptible to market swings, whereas fixed deposits give stable returns at a lower risk.\"}},{\"@type\":\"Question\",\"name\":\"Can we break corporate FD before maturity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The amount of the penalty may differ between banks and other financial institutions. 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According to the latest survey by&hellip;<\/p>\n","protected":false},"author":8,"featured_media":7319,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[220],"tags":[217],"class_list":["post-7307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corporate-fixed-deposit","tag-corporate-fixed-deposit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are the Different Types of Corporate Fixed Deposit Schemes Available?<\/title>\n<meta name=\"description\" content=\"Explore various corporate fixed deposit schemes. Learn about different types, rates, and benefits. 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