Company Fixed Deposits: Best Interest Returns

When investing in company FDs, you may be lured by the financiers offering high interest rates. However, there may be risks involving delays and loss of invested amount. Here are some factors you must consider, when investing in company fixed deposits:

• Company standing – A well-managed and credible company with a long history of profitability is a good choice.
• Past repayment history – A company with timely interest payments and no default in repayment of fixed deposits is ideal.
• The credit rating of the company - Company fixed deposits are rated by credit rating agencies such as CRISIL and ICRA on a 14-point rating system, which determine the assumed risk levels. These will inform you of the stability aspect of the company fixed deposit from time to time. The higher the rating, the safer your investment.
• You can also compare the track record of company fixed deposit rates and determine the ones offering higher interest rate. Bajaj Finance Fixed Deposit has ratings of FAAA by CRISIL and MAAA by ICRA, which are the highest in the industry.

• The option of periodic interest payment (End of tenor or Periodic):Companies like Bajaj Finance offer periodic payment options like monthly, quarterly and annually. These options can help you achieve a fixed income for your planned expenses. The option to access your earnings at the end of maturity will help you create a sizeable corpus.
• Immunity from market fluctuations: FD rates are pre-determined and free from any market fluctuations. You can be assured of guaranteed returns along with the highest FD rates with company fixed deposits.
• Liquidity: Loan Against fixed deposit is easily available even up to 75% of the maturity amount. Another way to achieve liquidity is the option of premature withdrawal with a minimal penalty.

• Company FDs offer benefits such as revision of interest rate based on your return. Bajaj Finance FD offers an additional 0.25% interest rate upon renewal. You can also avail the special tenor scheme of 15 months offering a higher interest rate than any other bank FDs.
• Senior citizens can avail an additional benefit of 0.25%. They can take advantage of easy online application process from the comfort of their homes.
• Bajaj Finance Fixed Deposits are certified with ICRA’s MAAA (stable) rating and CRISIL’s FAAA/Stable rating. These are one of the highest safety ratings offered in the industry.
• Bajaj Finance FD offers 6.75% interest rate at the highest tenor level for senior citizens. Bajaj Finance offers a simple way to calculate your returns and your fixed deposit portfolio returns by using the online FD calculator. You can adjust the tenor and the principal amount and see the maturity amount you will receive. It’s a simple and useful tool for portfolio planning.