Fixed Deposits - Safe & Secured. Fixed Returns. No worries

Fixed deposits are traditionally tested and proven approach with an easy way of protecting your capital with fixed returns on maturity. It typically includes investments in government schemes and corporate Fixed Deposits and money market instruments

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Fixed Deposits

Fixed Deposits are one of the oldest and most common methods 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

»  Financial Institutions
»  Non-Banking Finance Companies (NBFCs).
»  Manufacturing Companies
»  Housing Finance Companies
»  Government Companies

 Features and Benefits

Company Fixed Deposits offer comparatively higher returns than banks.

Choose the best 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

 

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.

Premature encashment of deposit is available any time subject to payment of prescribed penalty.

 Diversify Risk– The deposits should be spread over a large number of companies engaged in different industries. This way, you’ll be able to diversify your risk among various industries/companies.

Wide Choices– Many companies operating in the Company Deposit market. This will help you decide whether to renew or reshuffle the deposit.

Attractive rates as applicable from time to time.

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Corporate Fixed Deposits

FDs are one of the oldest and most common methods of investing. Fixed Deposits Receipts are generally issued by Financial Institutions, Non-Banking Finance Companies (NBFCs), Housing Finance Companies (HFCs) and Banks. Company raised the funds for their various financial needs with a fixed rate of interest payable on monthly, quarterly, half yearly, annually of cumulative for different tenure in accordance with rules and regulation under the company law board. Fixed Deposits Receipts issued by the Corporate, NBFCs, and HCF are offers higher rate of interest as compare to Banks Fixed Deposit Receipts. As a part of your portfolio, Corporate Fixed Deposits provide much needed stability in returns and also reduce volatility and diversification in your investment portfolio with constant alpha.

We, at Identity Investments, as a part of their client risk profiling and asset allocation offers top rated FDs with varied duration and interest rate.

Why opt for Corporate Fixed deposits?

  • If your risk-taking capacity is low or you are in higher age group and in lower tax bracket fixed deposits are perfect for you. Since most of the instruments are rated, corporate fixed deposits have a very high safety level.
  • Attractive returns at interest rates higher than banks’ Fixed Deposits
  • High liquidity; most of these issuers offer 75% of the investment amount as loan @ 2% over the interest rate on the deposit, as well as a pre-mature withdrawal Option
  • Potential to earn compounding interest on your money by reinvesting the principal amount along with the interest earned
  • Flexible tenure – there are various tenures ranging from 1 to 7 years
  • You can choose interest frequency; most issuers offer monthly, quarterly, bi annual and annual cumulative deposits
  • You get direct ECS credit facility for interest payments or advance interest warrants for the year issued by most issuers

Corportate FDs

CompanyNameRatings12M15M18M22M24M30M36M44M48M60M84M
7.15 % HDFC RBI BondCRISIL – FAAA—-—-—-—-—-—-—-—-—-—-1000.00%
Bajaj Finance LtdCRISIL – FAAA & ICRA – MAAA7.40%—-7.40%—-7.45%—-7.50%—-7.60%7.60%—-
HDFC CO FDCRISIL – FAAA & ICRA – MAAA6.30%—-—-—-—-—-—-—-—-6.30%—-
HDFC LtdCRISIL – FAAA & ICRA – MAAA6.88%—-—-—-6.88%—-6.88%—-6.88%6.88%—-
HDFC Premium FDCRISIL – FAAA & ICRA – MAAA—-7.15%—-7.25%—-7.20%—-7.25%—-—-—-
HDFC TRUST FDCRISIL – FAAA & ICRA – MAAA6.88%—-—-—-6.88%—-6.88%—-6.88%6.88%—-
ICICI Home Finance Company LimitedCRISIL – FAAA & ICRA – MAAA6.50%—-—-—-6.75%—-6.80%—-6.85%6.85%—-
LIC Housing Finance LtdCRISIL – FAA+7.00%—-7.00%—-7.00%—-7.10%—-—-7.10%—-
M&M Finance LtdCRISIL – FAAA & ICRA – MAAA7.20%—-7.30%—-7.50%—-7.60%—-7.70%7.80%—-
PNB Housing Finance LtdCRISIL – FAA+ Stable7.20%—-—-—-7.30%—-7.60%—-7.70%7.75%—-
Shriram City Union Finance LtdCRISIL – AA +7.80%—-—-—-8.05%—-8.45%—-8.45%8.75%—-
Shriram Transport Finance LtdCRISIL – FAA+ & ICRA – MAA+7.60%—-—-—-7.80%—-8.30%—-8.30%8.50%—-

Debt Mutual Funds

These are the funds which invest their accumulated corpus fund in various types of fixed income securities such as Corporate Bonds, Government Securities, Commercial Papers, money market instruments, Public sector units etc collectively that generate fixed interest income periodically unlike volatile stock market.

The main advantage of debt Mutual Funds is that they offer a higher return in comparison to Bank and Corporate fixed deposits and savings accounts maintained with banks or other financial institutions.

We, at Identity Investments access your risk profile in view of your overall investment portfolio and uses debt mutual funds as part of strategic Investment planning across different debt fund category in accordance with best suit to your short term, medium term and long terms financial goal, need of future income flow, liquidity etc so that it not only generate optimum returns but also protect and apricate capital in long term.

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