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:: FD &
Bonds ::
Fixed deposits are loan arrangements where a specific amount of funds is placed on deposit under the name of the account holder. The money placed on deposit earns a fixed rate of interest, according to the terms and conditions that govern the account. The actual amount of the fixed rate can be influenced by such factors at the type of currency involved in the deposit, the duration set in place for the deposit, and the location where the deposit is made.
Benefits of investing in Company Fixed Deposits
- High interest.
- Short-term deposits.
- Lock-in period is only 6 months.
- No Income Tax is deducted at source if the interest income is up to Rs 5,000 in one financial year
- Investment can be spread in more than one company, so that interest from one company does not exceed
Rs. 5,000
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Our recommended list for Fixed Income Instruments
(as on 22.Oct.2012)
|
| Company Fixed Deposits |
Issue Open Date
|
Issue Close Date
|
Minimum Amount
|
Tenure
|
Rate
|
|
HDFC Limited Fixed Deposits (Regular)
|
Open
|
Open
|
20000/-
|
12/24/36/60
Months
|
8.90%/9.05%/9.15/8.90%
|
|
HDFC Limited Fixed Deposits (Platinum)
|
Open
|
Open
|
20000/-
|
15/33
Months
|
9.40/9.40%
|
|
Shriram Unnati Fixed Deposits
|
Open
|
Open
|
25000/-
|
12/24/36-60
Months
|
9.25/9.75/10.75%
|
|
Mahindra& Mahindra Finance Fixed Deposit
|
Open
|
Open
|
10000/-
|
12/18/24/36
Months
|
9.5/10/10.25/10.50%
|
|
Sundaram BNP PARIBAS Home Finance Limited
|
Open
|
Open
|
10000/-
|
12/24/36/60
Months
|
9.25/9.50/9.50/9.50%
|
|
Apollo Hospital (Max - Rs. 2 lacs)
|
Open
|
Open
|
25000/-
|
12/24/36
Months
|
9.00/9.25/9.50%
|
|
Ceat Ltd
|
Open
|
Open
|
25000/-
|
12/24/36
Months
|
9.50/10.00/10.50%
|
|
Deepak Nitrite Ltd
|
Open
|
Open
|
20000/-
|
12/24/36
Months
|
9.25/9/9%
|
|
Force Motors Ltd
|
Open
|
Open
|
10000/25000/-
|
12/24/36
Months
|
9.00/10.00/11.00%
|
|
Godrej Industries Limited
|
Open
|
Open
|
10000/-
|
13/24/36
Months
|
7.75/8.50/9.25%
|
|
Prism Cement Ltd
|
Open
|
Open
|
20000/-
|
12/24/36
Months
|
10.25%/10.25%/10.25%
|
|
J K Tyre & Industries Ltd
|
Open
|
Open
|
20000/-
|
12/24/36
Months
|
9.00/9.25/9.50%
|
|
Jaiprakash Associates Ltd. (Max-Rs 10 lacs -For 6mths)
|
Open
|
Open
|
20000/-
|
6/12/24/36
Months
|
11.50/11.75/12.25/12.50%
|
|
Jaypee Infratech Ltd ( Max -Rs 10 lacs -For 6 mths )
|
Open
|
Open
|
20000/-
|
6/12/24/36
Months
|
11.50/11.75/12.25/12.50%
|
|
Mahindra and Mahindra Ltd
|
Open
|
Open
|
25000/-
|
12/36
Months
|
8.50%/9.75%
|
|
Parsvnath Developers Ltd
|
Open
|
Open
|
20000 / 15000/-
|
6/12/24/36
Months
|
10.00/11.50/11.75/12.00%
|
|
Supreme Petrochem Ltd
|
Open
|
Open
|
10000/ 5000/-
|
12/24/36
Months
|
9.50%/9.50%/9.75%
|
|
Unitech Ltd
|
Open
|
Open
|
25000 / 10000/-
|
6/12/24/36
Months
|
11.00/11.00/11.50/12.00
|
|
United Spirits Ltd
|
Open
|
Open
|
25000/-
|
12/24
Months
|
11.00/11.50%
|
|
ICICI Home Finance Ltd
|
Open
|
Open
|
40000/-
|
12/24/36/60
Months
|
8.25%/8.75%/8.75%/8.50%
|
|
NTPC
|
Open
|
Open
|
5000/100000/-
|
12/24/36
Months
|
7.50/7.75/8.00%
|
|
National Housing Bank
|
Open
|
Open
|
50000/-
|
12/24/36/60
Months
|
9.25/9.25/9.25/9.25%
|
| Ravalgaon Sugar Farms Limited |
Open |
Open |
10000/- |
24/36
Months |
9.25%/9.75% |
|
|
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