Home › Corporate Fixed Deposits

Corporate Fixed Deposits for Portfolio Diversification.

Explore Corporate Fixed Deposits from leading issuers across tenures and payout options to complement your investment portfolio.

Start investing with Chola Securities
Corporate Fixed Deposits
Get to know it

What are Corporate Fixed Deposits?

Corporate Fixed Deposits are fixed-income investment products offered by companies to raise funds from investors. Investors deposit money for a specified tenure and receive interest at an agreed rate, along with the principal amount at maturity.

Corporate FDs are available across various issuers and tenures, providing investors with additional fixed-income investment options.

Offered by companies Specified tenure Interest at an agreed rate
Eligibility

Who can invest in corporate fixed deposits?

Corporate Fixed Deposits are generally available to a wide range of investors, including:

Resident Individuals
Hindu Undivided Families (HUFs)
Partnership Firms
Companies and Corporate Bodies
Trusts and Societies
Joint Account Holders (subject to issuer terms)
Non-Resident Indians (NRIs), where permitted by the issuer and applicable regulations

Eligibility requirements may vary across issuers and investment schemes. Investors should refer to the relevant application form and product documents for detailed eligibility criteria, terms, and conditions.

Product Offerings

Explore Corporate FD Offerings

Compare fixed deposit offerings from leading issuers across deposit types, tenures and payout options.

Shriram Finance

Rating: AA + By ICRA

Max. Investment <=10Cr
Payout Frequency M/Q/H/Y/C
1 Yr Interest 7.00%

*Senior Citizen - 0.50%, Women Additional 0.05%

Mahindra & Mahindra Finance

Rating: AAA By CRISIL

Max. Investment <=5Cr
Payout Frequency M/Q/H/Y/C
1 Yr Interest 6.60%

*For Senior Citizen additional interest of 0.25%

Bajaj Finance

Rating: AAA

Max. Investment <=3Cr
Payout Frequency M/Q/H/Y/C
1 Yr Interest 7.30%

Sundaram Home Finance

Rating: FAAA+ / Stable By CRISIL

Max. Investment Unlimited
Payout Frequency Q/C
Qtr Interest 6.54%

Payout frequency: M = Monthly, Q = Quarterly, H = Half-yearly, Y = Yearly, C = Cumulative.

Interest rates and offerings shown are indicative and subject to change at the issuer's discretion. Please refer to the relevant issuer documents before investing.

Invest now
Why Corporate FDs

Why Consider Corporate Fixed Deposits?

Fixed Income Potential

Earn interest at a pre-determined rate for the chosen investment tenure.

Multiple Tenure Options

Choose from short, medium, or long-term investment horizons.

Flexible Interest Payouts

Select interest payment options such as monthly, quarterly, annual, or cumulative payouts, subject to product availability.

Diversification

Complement your investment portfolio with fixed-income instruments.

Range of Issuers

Access deposit offerings from companies across different sectors and credit profiles.

The Chola Securities advantage

Why Invest Through Chola Securities?

Access Multiple Corporate FD Offerings

Explore fixed deposit opportunities from various issuers through a single platform.

Convenient Investment Experience

Apply and manage your investments digitally.

Diversified Investment Solutions

Access Corporate FDs alongside equities, mutual funds, bonds, sovereign gold bonds, and other investment products.

Before you invest

Things to Consider Before Investing

Credit Profile of the Issuer

Review the company's financial standing and credit ratings before investing.

Investment Tenure

Choose a tenure that aligns with your liquidity requirements and financial goals.

Interest Payout Option

Consider whether periodic payouts or cumulative growth better suit your needs.

Premature Withdrawal Conditions

Review the applicable terms and conditions before investing.

Frequently asked questions about corporate fixed deposits

Corporate Fixed Deposits are fixed-income investment products issued by companies and NBFCs to raise funds from investors, offering interest at a pre-agreed rate over a specified tenure. They typically offer higher interest rates than bank fixed deposits to compensate for relatively higher credit risk, since corporate FDs are not covered by the DICGC deposit insurance scheme that protects bank deposits up to Rs 5 lakh. Investors should evaluate the issuer's credit rating before investing, as the safety of a corporate FD depends on the financial strength of the issuing company rather than a government-backed guarantee.
Corporate Fixed Deposits are available to a wide range of investors including resident individuals, Hindu Undivided Families (HUFs), partnership firms, companies and corporate bodies, trusts and societies, and joint account holders, subject to issuer terms. Non-Resident Indians (NRIs) can also invest where permitted by the issuer and applicable regulations. Eligibility requirements vary across issuers and investment schemes, and investors should refer to the relevant application form and product documents for detailed eligibility criteria.
The interest rate on a corporate fixed deposit is determined by the issuing company based on factors including its credit rating, tenure offered, payout frequency, and prevailing market interest rates. As of June 2026, corporate FDs available through Chola Securities range from approximately 6.54% to 7.30% per annum depending on the issuer and tenure. Higher-rated issuers such as AAA-rated companies typically offer comparatively lower rates than lower-rated issuers, reflecting the inverse relationship between credit risk and yield.
Corporate Fixed Deposits typically offer multiple interest payout frequency options including monthly, quarterly, half-yearly, yearly, and cumulative payouts, subject to product availability with each issuer. Cumulative options compound the interest and pay it out along with the principal at maturity, which can result in a higher effective yield compared to periodic payout options. Investors should choose a payout frequency that aligns with their cash flow requirements and financial goals.
The safety of a corporate fixed deposit depends primarily on the credit rating and financial standing of the issuing company. Investors should review the issuer's credit rating from agencies such as CRISIL, ICRA, or CARE before investing, along with the investment tenure, interest payout option, and premature withdrawal conditions. Unlike bank fixed deposits, corporate FDs are not covered by DICGC insurance, so credit risk assessment is an essential step before committing funds.
Investors can explore and apply for Corporate Fixed Deposits from multiple issuers through a single platform on Chola Securities, either via the Chola Securities app or the web platform. The process is fully digital, allowing investors to compare offerings from issuers such as Shriram Finance, Mahindra & Mahindra Finance, Bajaj Finance, and Sundaram Home Finance, and apply directly. Chola Securities also offers Corporate FDs alongside other investment products including equities, mutual funds, bonds, and sovereign gold bonds on the same platform.

Invest in fixed income
on the Chola Securities Mobile & Web App.

Explore Corporate Fixed Deposits and manage your portfolio, reports and service requests — all in one seamless platform.

Download the app now
Chola Securities app on web and mobile
We are hiring! Check out open positions and send your CV to csecrecruit@chola.murugappa.com
View Careers
Pre-Apply for IPOs
Chola Securities App
Install
🌐
Stay on Web