Corporate FD
Corporate FDs are fixed deposits which are offered by financial and non-banking financial companies (NBFCs). The maturity of corporate FDs can range from a few months or years. With corporate FDs, you can expect to earn higher returns than normal bank FDs. However, the risk associated with corporate FDs is a little higher than bank FDs.
Benefits of Corporate FD
Low Risk
If you invest in AA and AAA rated corporate FDs, then the risk quotient comes down manifold.
High Returns
Corporate FDs can potentially deliver higher returns than bank FDs.
Interest Frequency
Corporate FDs give you the chance to choose your own interest frequency – monthly, quarterly, bi-annual or annual, depending on your financial needs.
High Liquidity
Corporate FDs can potentially give you better liquidity as compared to bank FDs. Also, they have a shorter lock-in period vis-à-vis a bank FD. Additionally, you get a premature withdrawal option, and you can also procure a loan against your corporate FD.
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