What are Company Fixed Deposits?

The deposits made by investors in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits. Along with manufacturing companies, financial institutions and Non-Banking Finance Companies (NBFCs) also accept these deposits.

Benefits of Company Fixed Deposits
  • Higher interest rate: The rate of interest is 2-4 percent high, as compared to the interest rate offered by banks on fixed deposits

  • Regular income: Depending on the scheme, investors have the option to receive interest at monthly/quarterly/half-yearly/yearly intervals

  • Lock-in period: The minimum lock-in period for most of the schemes is six months, i.e. investors can withdraw their money post six months, anytime

  • TDS: TDS is not applicable if interest earned is equals to or less than 5,000 for a year in a single company.

Important things to consider
  • Investors must carefully read the application form

  • Check the rating of the company before investing

  • Do a background check of the company before putting money into it

  • Companies may change the interest rates on the fixed deposit schemes without any prior notice


Bajaj Capital Financial Services Limited (BCFSL) only acts as a mediator and/or intermediatory between its Clients/Customers and the Principal Company inviting and/or accepting Fixed Deposits and/or any other Financial Instruments/Product/Services. Neither BCFSL nor its employees, directors, agents etc., endorse and/or certify or held liable/responsible for the information provided by and/or acts of the Principal Company and shall not be liable, legally or otherwise, under any circumstances in respect of any deficiencies in the product and/or services offered by the Principal Company. In no event BCFSL shall be liable for any damages (pecuniary or otherwise) arising out of the use of the site or the information thereon. Investors are requested to consult with their Financial Planners and/or Tax Consultant before investing in the Products/Services offered by Principal Company. Please read the documents detailing the terms & conditions carefully before investing.

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