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Corporate Fixed Deposits Shelf

Fixed deposits issued by top-tier NBFCs and Housing Finance Companies rated AAA and AA+. Earn higher yields than traditional bank savings with flexible monthly, quarterly, or cumulative payout options.

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Credit Rating Comparison

Curated Corporate FD Rates Across Tenures

Sorted by CRISIL/ICRA credit tier. Includes preferential rates for Senior Citizens (+0.25% to +0.50% p.a.).

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Issuer & Credit Rating 12 Months 24 Months 36 Months 60 Months Payout Options Senior Citizen Action
Bajaj Finance Limited
CRISIL AAA / ICRA AAA
Min. ₹15,000
 7.40% 7.80% 8.10% 8.35% Cumulative / Monthly / Quarterly +0.25% p.a. Book FD →
Mahindra & Mahindra Financial Services
CRISIL AAA / IND AAA
Min. ₹10,000
 7.60% 7.75% 8.05% 8.10% Cumulative / Monthly / Quarterly +0.25% p.a. Book FD →
Shriram Finance Limited
CRISIL AA+ / ICRA AA+
Min. ₹5,000
 7.85% 8.15% 8.70% 8.80% Cumulative / Monthly / Quarterly +0.50% p.a. Book FD →
Sundaram Home Finance Limited
ICRA AAA / CRISIL AAA
Min. ₹10,000
 7.45% 7.75% 7.90% 7.95% Cumulative / Monthly / Quarterly +0.25% p.a. Book FD →

Regulatory Notice: Corporate Fixed Deposits are unsecured investment contracts issued by corporate entities and are not insured by DICGC (Deposit Insurance and Credit Guarantee Corporation). Interest and principal repayments depend on the creditworthiness of the issuing company. FinsoKart conducts independent balance sheet stress testing before placement.

Risk Management Protocol

Four-Step Issuer Diligence by FinsoKart

1. Independent Credit Rating Rationale

We review not just the AAA/AA+ letter grade, but the underlying rating rationale, NPA levels, liquidity coverage ratio, and capital adequacy.

2. Historical Repayment Track Record

We prioritize issuers with over two decades of flawless institutional borrowing and retail deposit repayment track records.

3. Payout Structure Matching

For retirees seeking regular monthly cash flows, we construct laddered quarterly/monthly payout schedules to smooth income.

4. Cumulative Compounding Maximization

For wealth accumulation, cumulative compounding options reinvest quarterly yields to deliver an effective annual yield up to 9.60%.

Want to lock in current peak FD interest rates?

Corporate FD rates adjust dynamically with RBI repo cycles. Contact Tapan Shah to lock in 24–36 month high yields before rate cuts.

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