Corporate Fixed Deposits
Grow Your Wealth Safely with Higher Returns than Bank FDs
Fixed returns. Flexible tenure. Trusted corporates.
Why Choose Corporate FDs?
Corporate Fixed Deposits are term deposits offered by reputed companies and NBFCs, providing better interest rates than traditional bank FDs. Ideal for conservative investors seeking steady, low-risk income with predictable growth.
Higher Interest Rates
Earn up to 1.5–2% more than standard bank FDs.
Flexible Tenure Options
Choose tenures from 6 months to 10 years, based on your financial goals.
Stable & Secure
Invest in top-rated companies (AAA/AA+) regulated by RBI and SEBI.
Fixed & Predictable Returns
No market volatility—what you see is what you get.
Monthly / Quarterly / Annual Interest Payouts
Get regular income or compound your capital with cumulative options.
Nomination & Easy Liquidity
Facilities like nomination, early withdrawal (terms apply), and joint holding.
Corporate FDs are ideal for anyone seeking safe, stable, and higher-yielding alternatives to traditional bank deposits.
Who should invest?
Retired Individuals
Looking for stable, monthly income without worrying about market volatility.
Salaried Professionals
Want to safely grow surplus salary or bonuses with better-than-bank returns.
Homemakers & Senior Citizens
Prefer capital protection and fixed income to meet household or medical needs.
First-time Investors
Exploring low-risk avenues before diving into stocks or mutual funds.
Businesses & HUFs
Need short-term, higher-yielding options for idle capital and liquidity management.
Why Should You Believe In Us?
Why Wealth In Focus?
Example Rate Snapshot (2025)
| Issuer | Rating | Interest Rate (1 Yr) | Cumulative Option (5 Yrs) |
|---|---|---|---|
| Bajaj Finance | AAA | 7.80% | 8.40% |
| HDFC Ltd | AAA | 7.60% | 8.20% |
| Shriram Transport | AA+ | 8.10% | 8.70% |
*Rates are indicative and subject to change. Final rates will be confirmed at the time of investment.
How It Works?
Schedule a call, choose the right FD, invest, and enjoy hassle-free tracking and updates.
1️⃣ Schedule a Call
Connect with Rajeev Bansal to discuss your financial goals, risk appetite, and investment preferences, ensuring that we align our strategies with your unique objectives.
2️⃣ Choose the Right FD
Based on your preferences, we will guide you through the process of selecting the most suitable Fixed Deposit options, taking into account factors like tenure, credit ratings, and expected returns to maximize your investment.
3️⃣ Invest & Relax
Once your investment is made, you’ll receive regular updates on its performance, enjoy easy tracking through our platform, and rest assured knowing that all your documentation is safely managed for your peace of mind.
Schedule A Call
Get personalized consultation call from me and my team.
Start instantly with Wealthy
Find answers to common questions about Corporate FDs
FAQs
Is my investment safe with Corporate FDs?
Yes, your investment is secure. We only offer Fixed Deposits (FDs) from highly rated issuers (AAA/AA+), which are known for their financial stability, ensuring maximum capital safety.
What is the minimum investment?
The minimum investment typically ranges from ₹10,000 to ₹25,000, depending on the issuer’s specific requirements and the FD scheme chosen.
Can I withdraw early?
Yes, early withdrawal is allowed; however, it may come with a small penalty, usually in the form of reduced interest rates or a fee, depending on the terms set by the issuer.
Are interest earnings taxable?
Yes, the interest earned on your FD is considered taxable income and is subject to tax according to prevailing Income Tax (IT) rules. TDS (Tax Deducted at Source) may be applicable depending on the amount of interest earned.
What happens if the issuer defaults?
In the rare case of issuer default, your FD is covered under the government’s Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme, which insures up to ₹5 lakh per depositor per bank, including both principal and interest.
Can I change the FD tenure after investing?
Generally, the tenure of an FD cannot be altered once the investment is made. However, some issuers may allow a revision, usually for a fee, depending on the terms.
Will I receive a certificate for my FD investment?
Yes, once your FD is confirmed, you will receive a fixed deposit receipt (FDR) as proof of investment, which serves as an official document for tracking and record-keeping purposes.
Are corporate FDs riskier than bank FDs?
While corporate FDs generally offer higher interest rates, they come with slightly higher risk compared to bank FDs, as corporate entities may face financial instability. However, we carefully vet issuers to ensure the risk is minimized.
