Corporate FDs Offer Up to 9.20% Interest: Higher Returns Than Banks, But Mind the Risk
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News18•18-01-2026, 14:51
Corporate FDs Offer Up to 9.20% Interest: Higher Returns Than Banks, But Mind the Risk
- •Corporate Fixed Deposits (FDs) from NBFCs and HFCs offer up to 9.20% interest, potentially higher than bank FDs.
- •Higher returns come with increased credit risk; investors must check credit ratings from agencies like CRISIL, ICRA, and CARE.
- •Top Corporate FDs as of January 14, 2026, include Muthoot Capital (8.95%), Manipal Housing (8.25%), and Shriram Finance (7.60%).
- •Many Corporate FDs provide additional interest benefits for senior citizens, ranging from 0.10% to 0.50%.
- •Diversify investments, compare interest rates, tenure, and credit ratings, and consider premature withdrawal penalties before investing.
Why It Matters: Corporate FDs offer higher interest than banks but require careful assessment of credit risk and ratings.
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