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AAA Rated Deposits

Earn Guaranteed
Returns up to
8.85%


Maximize Returns with Trusted Banks & NBFC Fixed Deposits

Industry Leading Yields

Up to 8.85% p.a.*

View FD Rates Calculate Returns

Special Highlights


Senior Citizens

Up to 0.50% Extra

Women Depositors

Additional 0.05%

Trusted by investors. Guaranteed fixed returns.

Pick Your Choice

Book your FD at the highest rate

Choose from India's top rated banks and NBFCs

Yield Charts

Compare Highest Yielding FDs

Explore annualized cumulative yields across top AAA/AA+ rated institutions.

Bajaj Finance Limited

Rated CRISIL AAA/STABLE and [ICRA] AAA(Stable)

  • Regular FD: Up to 7.98% cumulative yield
  • Senior Citizens: Up to 8.45% cumulative yield
  • Limits: ₹15,000 to ₹3,00,00,000/-

Data illustrative based on 60 Month tenure.

Cumulative Yields (Regular)

12 Months6.60%
24 Months7.19%
36 Months7.44%
60 Months (Max)7.98%

Shriram Finance

Rated (ICRA) AA+ (STABLE) & IND AA+ (STABLE)

  • Highest yield up to 8.85% (60 Months)
  • 0.50% Extra for Senior Citizens
  • 0.05% Extra for Women Depositors
  • 0.15% Extra on Renewals

Cumulative Yields (Regular)

12 Months7.00%
24 Months7.51%
36 Months8.20%
60 Months (Max)8.85%

HDFC Bank

Highest Safety Rating - "AAA" by CARE

  • Sovereign-like safety and stability
  • Annualised Yield up to 6.61% (Regular)
  • SC Yield up to 7.13% (2 to 3 Years)
  • For withdrawable deposits < 3 Crores

Annualised Yields (Regular)

1 Year to 15 Months6.40%
18 Months to 2 Years6.61%
2 Years to 3 Years (Max)6.61%
5 Years to 10 Years6.29%

ICICI Home Finance

Highest Degree of Safety - AAA/STABLE by CRISIL, CARE & ICRA

  • Cumulative Yield up to 8.05% (60 months)
  • 0.35% Extra for Senior Citizens above 60
  • Monthly, Quarterly, Annual options available

Cumulative Yields (Regular)

12 Months6.75%
24 Months7.08%
36 Months7.39%
60 Months (Max)8.05%

PNB Housing Finance

Rating by CARE "AA+/STABLE" & CRISIL "AA+/STABLE"

  • Cumulative Yield up to 7.92% (60 months)
  • 0.25% Extra for Senior Citizens
  • Rates applicable for deposits up to 5 Crore only

Cumulative Yields (Regular)

12 Months6.60%
24 Months6.98%
36 Months7.39%
60 Months (Max)7.92%

LIC Housing Finance

AAA/STABLE rating by CRISIL

  • Cumulative Yield up to 7.85% (60 months)
  • 0.25% Extra for Senior Citizens above 60 Years
  • Limits up to 3 Crores

Cumulative Yields (Regular)

12 Months6.70%
24 Months7.03%
36 Months7.33%
60 Months (Max)7.85%

Mahindra & Mahindra Financial Services

CRISIL AAA/STABLE & INDIA RATING - IND AAA/STABLE

  • Cumulative Yield up to 8.05% (60 months)
  • 0.25% Extra for Senior Citizens above 60
  • Additional Rate of Interest of 0.05% on Renewals

Cumulative Yields (Regular)

12 Months6.60%
24 Months7.25%
36 Months7.50%
60 Months (Max)8.05%
Benefits

Why Invest in Fixed Deposits?

Capital Safety

FDs offer the highest level of security for your principal amount, shielding you from market volatility.

Assured Returns

Lock in high interest rates today and guarantee a fixed payout regardless of future rate cuts.

Flexible Payouts

Choose from monthly, quarterly, or annual interest payouts to create a steady income stream.

High Liquidity

Need funds quickly? Easily break your FD or take a loan against it during financial emergencies.

Comparison

Why choose our Corporate FDs?

See how GarudVista's curated Corporate FDs stack up against traditional investment options.

FeaturesGarudVista FDsSavings AccountBank FDsDebt Mutual Funds
Average ReturnsUp to 8.85%3.00% - 4.00%6.00% - 7.00%7.00% - 7.50%
Return Risk Nil (Fixed) Nil (Floating) Nil (Fixed) Market Linked
Senior Citizen Benefit High (+0.50%) Yes
LiquidityHighInstantHighInstant (T+1 Days)

Who Can Invest?

Corporate and Bank FDs are highly versatile and accessible to a wide variety of investor categories, offering specialized benefits and easy onboarding.

Resident Individuals (RI)

Hindu Undivided Family (HUF)

Corporates & Companies

Non-Resident Indians (NRI)

Trusts & Societies

LLPs & Partnership Firms

Simple Process

How to Invest in 4 Easy Steps

100% Paperless and Digital Onboarding.

1. Complete KYC

Upload your PAN, Aadhaar, and bank details for instant digital verification.

2. Choose Your FD

Select your preferred partner, tenure, and payout frequency from our curated list.

3. Secure Payment

Transfer funds directly to the NBFC or Bank's account via Net Banking or UPI.

4. Receive FDR

Get your Fixed Deposit Receipt (FDR) directly in your email within 2-3 working days.

Planning Tools

Illustrative FD Calculator

Calculate your maturity value based on compounding interest.

₹
₹ 10K₹ 1Cr
%
4%12%
Yr
1 Yr10 Yr
Maturity Value ₹ 1,48,594
Principal Amount
₹ 1,00,000
Est. Returns
₹ 48,594

*Assumes quarterly compounding. Actual returns may vary based on exact start date and TDS deductions.

Smart Taxation on FDs

Understand TDS and maximize your actual earnings. We help you manage your tax forms digitally.

  • No TDS if total interest earned in a financial year is less than ₹40,000 (₹50,000 for Senior Citizens).
  • If interest exceeds the limit, 10% TDS is deducted.
  • FD interest is added to your total income and taxed as per your individual tax slab.

Save Tax with Form 15G/15H

If your total income is below the taxable limit, you can avoid TDS deduction completely. GarudVista allows you to submit Form 15G (for individuals below 60) or 15H (for senior citizens) digitally during the investment process.

Your Trusted Partner

Why Invest via GarudVista?

Elevating your wealth creation with research-driven guidance.

Expert Guidance

Get personalized advice tailored to your goals. We don't just sell FDs; we align them with your liquidity needs.

Seamless Experience

Enjoy a completely paperless, hassle-free digital investment process. Compare and invest in top FDs in minutes.

Unified Tracking

Monitor all your fixed deposits and mutual funds in one unified dashboard. Track maturities effortlessly.

Unbiased Selection

Our strict quantitative models filter only high safety AAA/AA+ rated corporate FDs for your absolute peace of mind.

No Hidden Fees

We offer completely transparent pricing. You get exactly the interest rate promised by the institution.

Dedicated Support

From onboarding to maturity and renewals, our dedicated relationship managers support you at every step.

Loved by Investors

See what our clients say about booking FDs with GarudVista.

"GarudVista made it so easy to compare and book a Shriram Finance FD. The completely paperless process meant my FD was booked in 5 minutes! Highly recommended."

R

Rahul Sharma

Business Owner

"As a senior citizen, I was looking for safe options with higher yields. The advisor guided me to Bajaj Finance FDs, giving me an extra 0.25%. Very professional team."

M

Meera Desai

Retired Teacher

"I manage finances for our family trust. GarudVista provided us a unified view and excellent corporate FD rates that banks couldn't match. Great dashboard."

A

Amit Patel

Trustee

"The FD calculator helped me plan my exact returns. I chose a 3-year PNB Housing FD for my upcoming car purchase. The platform is extremely user-friendly!"

V

Vikram Singh

IT Professional

"I was keeping my idle cash in a savings account. A GarudVista advisor explained how I was losing out on inflation and helped me shift to a high-yield Mahindra Finance FD."

P

Priya K.

Freelancer

"Being an NRI, I found it difficult to track Indian interest rates. GarudVista's dashboard gives me a unified view of all my NRO Fixed Deposits in one place."

S

Sanjay R.

NRI Investor

"Excellent service! My dedicated relationship manager answered all my questions regarding safety ratings and helped me diversify across HDFC and LIC FDs."

K

Kavita N.

Homemaker

Frequently Asked Questions

Everything you need to know about Corporate & Bank FDs.

Are Corporate FDs safe?

Yes, we strictly filter and recommend FDs from top-tier institutions that are highly rated (AAA/AA+) by leading agencies like CRISIL, ICRA, and CARE. While they do not have the 5 Lakh DICGC cover like bank FDs, their massive asset base and top ratings ensure very high safety of capital.

What is the difference between Cumulative and Non-Cumulative FDs?

In a Cumulative FD, the interest is reinvested along with the principal and compounded. It is paid out at maturity, resulting in a higher overall yield. In a Non-Cumulative FD, the interest is paid out to your bank account at regular intervals (Monthly, Quarterly, Annually), making it suitable for regular income seekers.

Can NRIs invest in these Fixed Deposits?

Yes, NRIs can invest in FDs offered by major NBFCs like Bajaj Finance and HDFC Bank using their NRO (Non-Resident Ordinary) accounts. However, tax implications (TDS) will differ from Resident Indians.

Is premature withdrawal allowed?

Yes, most corporate FDs allow premature withdrawal after a mandatory lock-in period of 3 months. However, withdrawing before maturity usually incurs a penalty (typically a 1-2% reduction in the applicable interest rate).

Are the interest rates locked in for the entire tenure?

Yes. Once you book a Fixed Deposit, the interest rate is locked in for the entire chosen tenure. Even if the RBI reduces the repo rate or the institution lowers its FD rates later, your returns will remain completely unaffected and guaranteed.

How will the principal and interest be credited at maturity?

At maturity, the principal amount along with the accumulated interest (in case of cumulative FDs) will be directly and automatically credited to your registered bank account via NEFT/RTGS. There is no manual intervention or physical paperwork required from your end.