How Fixed Deposits Help You
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Fixed & Corporate Deposits
A safe, reliable way to grow your savings with predictable returns.
Fixed Deposits remain one of the most trusted investment options for conservative investors. With Shreevaah, you can access a range of Bank and Corporate Fixed Deposits chosen for their strong credit ratings and competitive interest rates, giving you capital safety alongside dependable returns.
- Capital Safety: Your principal amount is safe and returned upon maturity, making it a low-risk investment.
- Flexible Tenure: Choose from a wide range of tenures, from a few months to several years, to match your financial goals.
- Higher Returns: Corporate FDs in particular often offer higher interest rates than traditional bank FDs.
- Liquidity: In case of an emergency, you can liquidate your FD before maturity, though a penalty may apply.
Bank FDs vs. Corporate FDs
- Bank FDs: Offered by RBI-regulated banks, and may be covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor per bank. Interest rates, tenures, and premature withdrawal terms are set by the issuing bank and may change without prior notice.
- Corporate FDs: Issued by NBFCs and corporates registered with RBI or other regulators. Corporate FDs are not covered under DICGC insurance, carry credit, liquidity, and interest rate risk, and are subject to the issuer's financial health. Premature withdrawal may be restricted or penalized per issuer terms.
Understanding Fixed Deposit Ratings
Like bonds, corporate fixed deposits carry credit ratings that indicate the issuer's safety and creditworthiness:
Eligibility Criteria
- AAA: The highest rating — exceptionally strong capacity to meet financial obligations, very low risk of default.
- AA: Very high safety and low default risk; strong repayment capacity, slightly more sensitive to economic changes.
- BBB: The lowest investment-grade rating — adequate capacity, but adverse conditions could impair it.
Eligibility & Documents Required
Eligibility
- Identification: You must be an Indian citizen with a valid PAN and Aadhaar card.
- Bank Account: A bank account in your name is mandatory for all transactions
- Demat Account: You must hold Demat account to transfer the shares in the account.
Documents Required
- Proof of Identity: PAN Card (mandatory).
- Proof of Address: Aadhaar Card, Passport, or Voter ID.
- Proof of Bank Account: A cancelled cheque or the first page of your bank passbook.
Frequently Asked Questions
Fixed Deposits FAQs
What is the difference between a Bank FD and a Corporate FD?
A Bank FD is a deposit with a commercial bank. A Corporate FD is a deposit with a company, such as an NBFC or HFC. Corporate FDs generally offer higher interest rates but may carry slightly higher risk depending on the company's credit rating.
What is the tenure of a Fixed Deposit?
Bank FD tenures range from 7 days to 10 years, while corporate FDs typically range from 1 to 5 years.
Is my money safe in Fixed Deposits?
Bank FDs are secured by the DICGC up to ₹5 lakh per bank. Corporate FDs are not covered by DICGC, which is why it's crucial to invest in highly-rated FDs from credible companies.
What is Shreevaah's role?
We act as a facilitator, giving you a platform to compare and invest in fixed deposits from trusted issuers, and assisting with documentation and the transaction process.
Important Information & Disclosures
All information on this page is for general awareness and educational purposes, and does not constitute investment advice or a recommendation.
Our Role
Shreevaah, through Tre Sessanta Financial Services Private Limited, does not accept deposits directly — our role is limited to facilitating access to fixed deposit offerings from regulated banks and corporations, and to the documentation and transaction process. We do not endorse or assure the creditworthiness of any issuer; investors must rely on publicly available ratings and disclosures. All investments are routed through official issuer channels.
Risk Disclosure
Investments in fixed income products are subject to market and issuer-specific risks. Past performance is not indicative of future returns. Shreevaah does not guarantee the repayment, interest rate, or liquidity of any fixed deposit product. All transactions are governed by SEBI, RBI, and FEMA guidelines, and are subject to the terms and conditions of the respective issuer.
Due Diligence
Investors must carefully evaluate the credit rating and financial strength of the issuer, read all offer documents and disclosures, and are advised to consult a qualified financial advisor before investing. Shreevaah is not liable for any loss arising from reliance on incomplete or inaccurate information, and acts solely as a facilitator — not assuming responsibility for delays, defaults, or disputes between investors and issuers.
