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🏛 Corporate Fixed Deposits 2026
Higher returns than bank FDs — but with higher risk. Know before you invest.
Compare & book FDs online at BookMyFD.in
⚠️ Corporate FDs are NOT covered by DICGC insurance unlike bank FDs. If the company defaults, your capital is at risk. Only invest in AAA/AA-rated companies.
📋 What is a Corporate FD?
Corporate FDs (also called Company FDs) are fixed deposits offered by NBFCs and manufacturing companies — not banks. They typically offer 0.5%–2% higher interest than bank FDs in return for slightly higher risk. The deposits are regulated by RBI (for NBFCs) and Ministry of Corporate Affairs, but are NOT covered by DICGC insurance.
🏆 Top Corporate FDs — June 2026
| Company | Credit Rating | 1 Year | 2 Years | 3 Years | Sr. Citizen Bonus | Min. Amount |
|---|---|---|---|---|---|---|
| Bajaj Finance | 7.40% | 7.60% | 7.85% | +0.25% | ₹15,000 | |
| Mahindra Finance | 7.35% | 7.55% | 7.60% | +0.25% | ₹5,000 | |
| Sundaram Finance | 7.20% | 7.40% | 7.60% | +0.25% | ₹5,000 | |
| PNB Housing Finance | 7.35% | 7.55% | 7.70% | +0.25% | ₹10,000 | |
| Shriram Finance | 7.79% | 7.99% | 8.18% | +0.50% | ₹5,000 | |
| LIC Housing Finance | 7.25% | 7.50% | 7.50% | +0.25% | ₹10,000 | |
| Tata Capital Financial | 7.50% | 7.75% | 7.75% | +0.25% | ₹10,000 |
Ratings by CRISIL/ICRA. Rates indicative as of June 2026. Verify with company before investing.
🆚 Bank FD vs Corporate FD
🏦 Bank FD
- DICGC insured up to ₹5 lakh
- Rates: 6.5%–9% (SFBs)
- Very low risk
- Premature withdrawal easier
- Regulated by RBI
- Ideal for risk-averse investors
🏛 Corporate FD
- NOT covered by DICGC insurance
- Rates: 7.4%–8.5% (top companies)
- Moderate risk (depends on rating)
- Premature withdrawal may have penalty
- Regulated by RBI (NBFCs) / MCA
- Suitable for medium-risk investors
🛡 Safety Tips for Corporate FD Investors
1. Check Credit Rating
Only invest in AAA or AA+ rated companies. Avoid anything below AA.
Only invest in AAA or AA+ rated companies. Avoid anything below AA.
2. Don't concentrate
Keep max 10–15% of your portfolio in any single corporate FD.
Keep max 10–15% of your portfolio in any single corporate FD.
3. Check company financials
Read the company's annual report and NPA ratios before investing.
Read the company's annual report and NPA ratios before investing.
4. Prefer shorter tenures
Start with 1–2 year tenures. Longer lock-in = higher risk exposure.
Start with 1–2 year tenures. Longer lock-in = higher risk exposure.