Corporate Fixed Deposits 2026 — Best Rates & Safety

⚠️ 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	AAA	7.40%	7.60%	7.85%	+0.25%	₹15,000
Mahindra Finance	AAA	7.35%	7.55%	7.60%	+0.25%	₹5,000
Sundaram Finance	AAA	7.20%	7.40%	7.60%	+0.25%	₹5,000
PNB Housing Finance	AA	7.35%	7.55%	7.70%	+0.25%	₹10,000
Shriram Finance	AA+	7.79%	7.99%	8.18%	+0.50%	₹5,000
LIC Housing Finance	AAA	7.25%	7.50%	7.50%	+0.25%	₹10,000
Tata Capital Financial	AAA	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.

2. Don't concentrate
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.

4. Prefer shorter tenures
Start with 1–2 year tenures. Longer lock-in = higher risk exposure.