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 Limited (BCL) only acts as a mediator between its clients and the company inviting/accepting fixed deposits, known as Principal Company. Neither BCL nor its employees, directors, agents etc., endorse and/or certify the information provided by the Principal Company and shall not be liable (legally or otherwise) under any circumstances.

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