AMFI-registered Mutual Fund Distributor ·ARN-132711
Sudhir ShuklaInsurance & Investment ServicesFixed Deposits
AAA-rated company fixed deposits from Bajaj Finance and PNB Housing Finance — up to 8.15% a year for senior citizens — chosen and booked with guidance.
Current rates
Taken from each company’s official rate card. Switch between regular and senior-citizen rates, then work out your maturity amount.
Cumulative rates (interest paid at maturity), % per year.
CRISIL AAA/Stable · ICRA AAA (Stable)
Up to
7.75%
Rates effective 7 October 2026Official rate card
CARE AAA · CRISIL AAA
Up to
7.40%
Rates effective 16 October 2026Official rate card
Calculate your maturity
Company
Your ₹5,00,000 could grow to
₹6,25,492
Illustrative: cumulative deposit with annual compounding at the published rate for 36 months with Bajaj Finance. Actual maturity may differ slightly with day counts and compounding dates. Interest is taxable; TDS may apply.
How it works
Choose the right deposit
Company, tenure and payout — cumulative for growth, or monthly to quarterly interest for income.
Complete KYC once
PAN, Aadhaar and bank details. We handle the forms and follow-ups for you.
Track and renew
Maturity reminders, renewals and help with loans against your deposit when needed.
Questions
Both Bajaj Finance and PNB Housing Finance carry the highest AAA ratings from leading agencies, indicating the highest degree of safety for timely payment. Unlike bank FDs, company deposits are not covered by DICGC deposit insurance, so spreading large amounts across issuers is sensible.
Cumulative deposits reinvest interest and pay everything at maturity — best for growth. Monthly, quarterly, half-yearly or annual payouts suit those who need regular income, at a slightly lower effective rate.
Interest is added to your income and taxed at your slab rate. TDS applies above the threshold; senior citizens and those with income below the taxable limit can submit Form 15H or 15G where eligible.
Company deposits cannot usually be withdrawn in the first three months. After that, premature withdrawal is allowed at a reduced rate as per each company’s rules — a loan against the deposit is often the better option.
Rates are taken from the issuers’ published rate cards on the dates shown and may change without notice; the rate applicable is the one in force on the date your deposit is accepted. Company fixed deposits are not insured by DICGC. Read the application form and terms before investing.
Let’s Plan Your Next Chapter
Let’s understand where you are today, where you want to go and how we can help you plan the journey ahead.