Zenflow
Corporate FD & Bonds
Higher yields than bank deposits from creditworthy corporates — with tenure flexibility, regular income options, and easy comparison tools.
What Are Corporate FDs and Bonds
Better Yields from Trusted Corporates
Corporate Fixed Deposits and bonds are fixed-income instruments issued by non-banking companies, housing finance companies, and corporates. They typically offer 100-200 bps higher returns than bank FDs for comparable tenures. While they don't have deposit insurance (DICGC), rated corporate FDs from established companies like HDFC, Bajaj Finance, and Mahindra Finance have strong track records. Zenflow helps you compare rates, assess credit quality, and diversify across issuers.
Features
Why Invest in Corporate FDs & Bonds
Higher Rates
100-200 bps higher than comparable bank fixed deposit rates.
Flexible Tenures
Choose from 1-5 year tenures with monthly, quarterly, or cumulative payout.
Rated Issuers
Corporate FDs from FAAA/MAAA-rated companies for quality assurance.
Easy Comparison
Compare rates across issuers, tenures, and payout frequencies on one platform.
Online Investment
Invest digitally with minimal paperwork and instant confirmation.
Diversification
Spread across multiple issuers to reduce concentration risk.
How It Works
Invest in Corporate FDs in 4 Steps
Compare Rates
Browse corporate FD rates across issuers, tenures, and payout options.
Select Issuer
Choose a rated issuer based on yield, credit quality, and tenure.
Invest Online
Complete the application and fund your FD digitally through Zenflow.
Track Maturity
Monitor interest payments and maturity dates in your portfolio dashboard.
Why Zenflow
The Zenflow Advantage for Corporate FDs
Rate Comparison
Side-by-side rate comparison across all major corporate FD issuers.
Credit Monitoring
Ongoing credit quality monitoring with alerts on rating changes.
Maturity Management
Automated reminders for maturity and reinvestment planning.
Better Rates
Earn more from your fixed deposits
Compare corporate FD rates and invest in rated issuers for higher yields.
Frequently Asked Questions
Common Questions Answered
Corporate FDs do not have DICGC insurance (unlike bank FDs). However, FAAA/MAAA-rated corporate FDs from established NBFCs have strong repayment track records. Diversifying across issuers further reduces risk.
Most corporate FDs accept a minimum of ₹5,000-₹15,000 depending on the issuer. Some may have higher minimums for specific tenure or payout options.
Interest income is taxed at your income tax slab rate. TDS is deducted if annual interest exceeds ₹5,000. Senior citizens get a higher TDS threshold.
Most corporate FDs allow premature withdrawal after a lock-in period (typically 3-6 months), subject to a penalty of 0.5-1% on the applicable rate.
Expert Advisory
Ready to get started?
Schedule a call with our advisory team to discuss the right strategy for your goals.
Corporate FDs are not insured by DICGC. Returns depend on the issuer's ability to service debt. Credit ratings are opinions, not guarantees. Compare and diversify across issuers.
More FAQs