Fixed Deposit

Invest in the Best Corporate Fixed Deposit Online with Nirmaya Wealth

Looking for a secure and rewarding investment option?
Corporate Fixed Deposits (FDs) are an excellent alternative to traditional bank fixed deposits, offering higher interest rates and flexible tenures. Just like bank FDs, investors deposit a fixed amount for a specific period and earn interest at a pre-determined rate — but with corporate FDs, returns are generally higher.

These deposits are issued by reputed Non-Banking Financial Companies (NBFCs) and corporations, making them a popular choice for investors seeking stable income and better yields. At Nirmaya Wealth, we help you compare and invest in the best corporate fixed deposit plans online, from trusted issuers with strong credit ratings and proven performance.

Why Choose Nirmaya Wealth for Corporate Fixed Deposits?

• Access to Top FD Options: Compare and invest in high-performing corporate fixed deposits from leading NBFCs and housing finance companies.
• Earn Higher Returns: Enjoy superior interest rates compared to traditional bank deposits.
• Trusted & Rated: Many options come with FAAA ratings from CRISIL, ensuring safety and credibility.
• Smart Dashboard: Our intuitive online platform lets you easily track, manage, and reinvest your deposits.
• Seamless Investment Experience: Invest, renew, and monitor your FD portfolio in just a few clicks.

How Do Fixed Deposits Work?

Step 1:
According to RBI regulations, recognized NBFCs and Housing Finance Companies like Bajaj Finance, Mahindra Finance, HDFC, and PNB Housing Finance can issue fixed deposits for a fixed period at a fixed interest rate.

Step 2:
As an investor, you can choose from various FD schemes based on parameters such as interest rate, credit rating, maturity period, and payout options.

Step 3:
You can opt for either a Cumulative Fixed Deposit (interest paid at maturity) or a Non-Cumulative Fixed Deposit (interest paid monthly, quarterly, or annually).

Step 4:
If your annual income falls below the taxable limit, you can submit Form 15G or 15H to request no-TDS deduction on interest earnings.

Start Investing with Nirmaya Wealth

Unlock the benefits of high-yield fixed deposits from India’s most trusted financial institutions.

Our Partners Include:

• PNB Housing Finance Ltd.
• HDFC Ltd.
• ICICI Home Finance Company Ltd.
• Shriram Transport Finance Ltd.
• Bajaj Finance Ltd.
• Mahindra Finance Ltd.

All partners are RBI-recognized and CRISIL-rated, ensuring safe and reliable investments.

Key Aspects of Corporate Fixed Deposits

High Interest Rates: Corporate Fixed Deposits typically offer higher returns than traditional bank FDs, making them a profitable investment choice.

Low Penalty Period: In case of premature withdrawal, the penalty duration is often shorter than that of bank FDs. However, as per RBI guidelines, withdrawals within the first three months attract a penalty as per the issuer’s policy.

Fixed Interest Rate: Interest rates remain unaffected by market fluctuations or inflation, ensuring predictable and stable income throughout the tenure.

Why Corporate FDs Are a Smart Choice

• Higher yields compared to bank deposits.
• Flexible tenures ranging from 12 to 60 months.
• Option for regular income or lump-sum payouts.
• Ideal for investors looking for capital safety with better returns.

Start your investment journey with Nirmaya Wealth today — compare, choose, and invest in the best corporate fixed deposit plans for stable and secure growth.