FIXED DEPOSITS / BONDS

FD in a bank is most common method of investing. When it comes to assured returns, choosing the right type of savings scheme makes all the difference. Fixed Deposits let you make the most of value-added benefits as you create wealth at low risk. Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits.

Types of Companies Offering Fixed Deposits

  1. Financial Institutions
  2. Non-Banking Finance Companies (NBFCs)
  3. Manufacturing Companies
  4. Housing Finance Companies
  5. Government Companies
  6. Banks

 

Features and Benefits

  1. Attractive rates as applicable from time to time.
  2. Premature encashment of deposit is available any time subject to payment of prescribed penalty.
  3. Diversify Risk- The deposits should be spread over a large number of companies engaged in different industries. This way, you'll be able to minimise your risk among various industries/companies.
  4. Wide Choices- Many companies operating in the Company Deposit market. They will help you decide whether to renew or reshuffle the deposit.
  5. Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused.
  6. Company Fixed Deposits offer comparatively higher returns than banks. Choose the most suitable tenure for you from a wide range as per your convenience. You can choose how frequently you want to receive your interest payments.
  • Maturity
  • Yearly
  • Half-yearly
  • Quarterly
  • Monthly

How to choose a good company deposit scheme?

  1. Don’t go for Companies which offer interest rate much higher than normal market rates.
  2. Ignore unrated Company Deposit Schemes. Look at only AA or AAA rated schemes.

 

Tax Deductions on Company Fixed Deposits

TDS will be deducted when interest payable or reinvested to every depositor if interest in the company deposit exceeds the amount applicable as per statutory rules in a financial year.

 

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