Bank FD
AU Small Finance Bank Ltd
Interest Rate
Up to7.90%p.a.*
DICGC Insured Senior Citizen +0.5%
Min. Investment₹ 1,000
Tenure7D - 120M
🛡️ Sovereign & AAA Debt Mandates · ARN-307640
Corporate Fixed Deposits with Guaranteed High-Yield Returns
Lock in contractual yields up to 8.60% p.a. with CRISIL and ICRA AAA/AA+ rated corporate and NBFC institutions. Flexible monthly, quarterly, or cumulative interest payouts with complete capital security.
CRISIL / ICRA AAAHighest Safety Ratings
Up to 8.60% p.a.Contractual Fixed Yields
12 to 120 MonthsFlexible Tenures & Payouts
Zero Advisory Fees100% Direct Investor Value
Yield Spectrum
The Institutional Maturity Ladder
Lock compounding yields across AAA & Sovereign tenures. Longer tenures insulate your cash flow against incoming central bank rate cuts.
12 to 18 Months
7.85% p.a.
Short-Term Corporate Term Deposits
Flexible monthly or cumulative liquidity backed by top-tier NBFCs and conglomerates.
24 to 36 Months
8.35% p.a.
Medium-Term Income Planning Sweet Spot
Rated AA+/AAA with senior citizen bonus up to +0.50% p.a. and monthly ECS credits.
48 to 60 Months
8.65% p.a.
Peak Contractual Compounding Deposits
Lock in highest compounding returns before anticipated central bank monetary easing.
10+ Years (G-Sec)
Sovereign
Direct Government of India G-Secs
Zero credit default risk backed by sovereign decree with semi-annual coupon guarantees.
Credit Architecture
4-Tier Capital Ring-Fencing Architecture
Every corporate deposit and bond passes four statutory firewalls before appearing on our private wealth desk.
Tier 1: Sovereign Decree
Direct RBI Sovereign Backing
Government of India bonds, Treasury Bills, and Sovereign Gold Bonds maintain 0% default risk by sovereign decree.
Tier 2: Senior Secured Debt
First Charge on Tangible Assets
Our corporate bonds and NCDs maintain a minimum 1.25x asset cover ratio backed by registered debenture trustees.
Tier 3: Statutory Reserve
CRISIL & ICRA AAA Monitoring
Rigorous quarterly financial auditing, capital adequacy compliance (>15%), and zero NPA underwriting history.
Tier 4: Escrow Protection
Segregated Cash Flow Accounts
Coupon payments and maturity redemptions are pre-funded into monitored escrow accounts prior to company distributions.
Comparative Performance
Bank Branch FDs vs Curated Institutional Debt
Understand why high-net-worth investors allocate beyond traditional retail bank branches to capture an additional 150 to 250 bps net yield.
Evaluation Metric
Standard Bank Branch FD
MFeasy Curated Fixed Income
Issuer Selection
Limited to the single bank's proprietary deposit products.
Aggregated access to 15+ top AAA corporate and NBFC issuers nationwide.
Interest Rate Realization
Standard bank rates (often 1–2% below peak corporate yields).
Direct manufacturer peak yields up to 8.60% p.a. with senior citizen boosters.
Execution Workflow
Physical branch visits, paper application forms, and cheque clearances.
100% paperless digital onboarding with instant e-receipt issuance.
Portfolio Tracking
Disjointed paper deposit certificates across multiple banks.
Single unified MFeasy private dashboard with automated renewal alerts.
Lock Today's Sovereign Rates Before Rate Cut Cycles
Our treasury desk secures priority corporate quotas for retail and family office accounts.
Curated Fixed Income
Live Fixed Deposits (FDs) Offerings
Explore verified offerings with indicative yields, institutional terms, and direct digital application portals.
Corporate FD
Bajaj Finance Ltd
Interest Rate
Up to8.85%p.a.*
CRISIL AAA 📈 Highest Interest
Min. Investment₹ 15,000
Tenure12M - 60M
Bank FD
DCB Bank Ltd
Interest Rate
Up to8.00%p.a.*
DICGC Insured Senior Citizen +0.5%
Min. Investment₹ 10,000
Tenure7D - 120M
Bank FD
HDFC Bank Ltd
Interest Rate
Up to7.75%p.a.*
DICGC Insured Senior Citizen +0.5%
Min. Investment₹ 10,000
Tenure7D - 120M
Corporate FD
ICICI Home Finance Ltd
Interest Rate
Up to7.95%p.a.*
CRISIL AAA Highest Safety
Min. Investment₹ 10,000
Tenure12M - 60M
Housing Finance
LIC Housing Finance Ltd
Interest Rate
Up to7.75%p.a.*
CRISIL AAA Highest Safety
Min. Investment₹ 20,000
Tenure12M - 60M
Corporate FD
Mahindra Finance Ltd
Interest Rate
Up to8.10%p.a.*
CRISIL AAA Highest Safety
Min. Investment₹ 10,000
Tenure12M - 60M
Housing Finance
PNB Housing Finance Ltd
Interest Rate
Up to8.00%p.a.*
CARE AA+ Senior Citizen +0.5%
Min. Investment₹ 10,000
Tenure12M - 60M
Corporate FD
Shriram Finance Ltd
Interest Rate
Up to8.90%p.a.*
ICRA AA+ 📈 Highest Interest
Min. Investment₹ 5,000
Tenure12M - 60M
Bank FD
Suryoday Small Finance Bank Ltd
Interest Rate
Up to8.50%p.a.*
DICGC Insured 📈 Highest Interest
Min. Investment₹ 1,000
Tenure7D - 120M
Bank FD
Unity Small Finance Bank Ltd
Interest Rate
Up to8.50%p.a.*
DICGC Insured 📈 Highest Interest
Min. Investment₹ 1,000
Tenure7D - 120M
Bank FD
Utkarsh Small Finance Bank Ltd
Interest Rate
Up to8.50%p.a.*
DICGC Insured 📈 Highest Interest
Min. Investment₹ 1,000
Tenure7D - 120M
Planning Worksheets
Cash Flow & Yield Compounding Calculators
Run exact post-tax figures across 20 institutional planning modules before allocating.
Cash Flow Engine⚡ Cash Flow Model
Corporate FD & MIS Cash Flow Calculator
Simulate monthly, quarterly, or cumulative maturity cash flows across AAA corporate and bank deposit tenures.
Bond Analytics📈 Secondary Analytics
Yield to Maturity (YTM) & Pricing Engine
Calculate clean price, dirty price, accrued coupon, and annualized post-tax yield to maturity on secondary bonds.
Tax Exemption📋 Statutory Forms
Form 15G / 15H TDS Exemption Vault
Download official forms and procedural guidelines to eliminate TDS deductions on eligible deposit interest.
Clarity & Governance
Frequently Asked Questions
Clear, straightforward answers regarding process, safety, tax treatment, and liquidity.
What is the difference between a bank FD and a corporate FD?
Bank FDs are issued by scheduled commercial banks and covered by DICGC insurance up to ₹5 Lakhs. Corporate FDs are term deposits issued by corporate entities and NBFCs, typically offering 1.5% to 2.5% higher interest rates to compensate for credit risk. MFeasy curates only AAA/AA+ rated corporate FDs with impeccable repayment track records.
Is TDS deducted on interest earned from corporate fixed deposits?
Yes. Under Section 194A of the Income Tax Act, TDS is deducted at 10% if the annual interest from a single corporate entity exceeds ₹5,000 (compared to ₹40,000 for bank FDs). Investors below the taxable threshold can submit Form 15G or 15H to prevent TDS deduction.
Can I withdraw my corporate fixed deposit prematurely?
Yes, subject to RBI regulations. Deposits typically have a statutory lock-in of 3 months. Withdrawals between 3 and 6 months earn no interest, while withdrawals after 6 months may incur a nominal 1% to 2% interest penalty as per the issuer's terms.
Are senior citizens entitled to higher interest rates?
Yes. Most leading corporate FD issuers provide an additional interest rate of 0.25% to 0.50% p.a. for individuals aged 60 years and above, boosting your cumulative or regular annual yield.
Regulatory Disclosure & Risk Notice: Fixed deposits offered through MFeasy are subject to the terms and conditions of the respective issuing companies/NBFCs. KS Finoleg Services Pvt Ltd (MFeasy) acts as an authorized corporate distributor. Corporate deposits are not covered by DICGC insurance. Investors are advised to inspect the credit rating, financial stability, and issuer term sheet prior to investment.