I am interest to invest in Fixed Deposit & want higher (1% to 2% extra) Interest rate than Bank & safety of money. Attractive Fixed Deposit schemes from popular Companies to suit Investors looking for safety with decent return. Company rated by CRISIL , ICRA etc. All these Companies have strong & reputed promoters, company background is good.
- HDFC Platinum Deposits- Fixed Deposit
• Engaged in Housing Finance.
• Consistent profit making and Dividend paying Company.
• PAT for 2012/13 of Rs.4,848 Crs. & Dividend of 625%.
• “FAAA” rating by CRISIL & “MAAA” by ICRA.
• 9.75% interest for 15 months, 9.60% interest for 22 months & 9.50% interest for 33 months Deposits giving Yield of around 9.86%, 9.98% & 10.31% respectively.
• 0.25% additional interest for Senior Citizens.
• Compounded Annually
• Interest Option available: Monthly,Quarterly,Half Yearly & Yearly
2.PNB Housing Finance Ltd. – Fixed Deposit
• Engaged in Housing Finance & Subsidiary of Punjab National Bank.
• Consistent profit making Company.
• PAT for 2012/13 of Rs.91Crs.
• “FAA+” rating by CRISIL.
• 9.65% interest for 1 year Deposit giving an yield of around 9.88%.
• Compounded Half Yearly
• Interest Option available: Half Yearly
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3.Shriram Transport Finance Company Ltd. – Fixed Deposit
• One of the india’s Largest Professionally managed asset finance Company, Specializing in vehicle finance.
• Consistent Profit making & Dividend paying Company.
• PAT for 2012/13 of Rs.1360 Crs. & Dividend of 70%.
• “FAA+/stable” rating by CRISIL & “MAA+/stable” by ICRA.
Unnati Scheme
• 10.75% interest for a 3 years Deposit giving an yield of around 12%
• 0.25% additional interest for Senior Citizens
• Compounded Annaully
• Interest Option available: Monthly,Quarterly,Half Yearly & Yearly
Subhiksha Bond (61M & 78M)
• 11.30% interest for a 78 Month Deposit giving an yield of around 15.46%
• 11.30% interest for a 61 Month Deposit giving an yield of around 14.22%
• 0.50% additional interest for Senior Citizens
• Compounded Annually
• Interest Option available: Monthly,Quarterly,Half Yearly & Yearly
4.Dewan Housing Finance Corporation Ltd. – Fixed Deposit
• Engaged in Housing Finance.
• Consistent profit making and Dividend paying Company.
• PAT for 2012/13 of Rs.451 Crs. & Dividend of 50%.
• “FAAA” by BWR & “(AA+FD)” rating by CARE.
Aashray Deposit 14 Month
• 10.50% interest for 14 Month Scheme giving an yield of around 10.88%.
• 0.50% additional interest for Senior Citizens/Shareholders.
• If Deposit Amount 25 lac & Above than 0.25% additional interest
• If Client Sr Citizen & invest for 25 Lac than he/she will get 11.25% interest (Yield: 12.52%)
• Compounded Half Yearly
• Interest Option available: Monthly,Quarterly,Half Yearly & Yearly
Aashray Deposit -40 month
• 10.50% interest for 40 Months Deposit giving an yield of around 11.88%.
• 0.50% additional interest for Senior Citizens, So ROI for Sr Citizen 11.00% (Yield: 12.87)
• Compounded Annually
• Interest Option available: Monthly,Quarterly,Half Yearly & Yearly
5. Mahindra Finance Samruddhi – Fixed Deposit
Largest Company of India in non-banking finance companies with a history of more than 20 years.
• Consistent profit making and Dividend paying Company.
• PAT for 2012/13 of Rs.882 Crs. & Dividend of 180%.
• “FAAA” rating by CRISIL.
• 10.25% interest for a 3 years Deposit giving an yield of around 11.34%.
• 0.25% additional interest for Senior Citizens.
• Compounded Annually
• Interest Option available: Quarterly & Half Yearly
6.Gruh Finance Limited – Fixed Deposit
• A Subsidiary of HDFC Ltd, its a Housing Finance Company recognized by National Housing Bank.
• Consistent profit making and Dividend paying Company.
• PAT for 2010/11 of Rs.146 Crs. & Dividend of 125%.
• “FAA+” rating by CRISIL & “MAA+” by ICRA.
• 10% interest for 3yr Deposits giving Yield of around 11.03%.
• 0.25% additional interest for Senior Citizens & Trusts.
• Compounded Annually
• Interest Option available: Monthly,Quarterly & Yearly