Corporate FDs Offer Up to 9.20% Interest: Higher Returns Than Banks, But Mind the Risk

• Corporate Fixed Deposits (FDs) from NBFCs and HFCs offer up to 9.20% interest, potentially higher than bank FDs.
• Higher returns come with increased credit risk; investors must check credit ratings from agencies like CRISIL, ICRA, and CARE.
• Top Corporate FDs as of January 14, 2026, include Muthoot Capital (8.95%), Manipal Housing (8.25%), and Shriram Finance (7.60%).
• Many Corporate FDs provide additional interest benefits for senior citizens, ranging from 0.10% to 0.50%.
• Diversify investments, compare interest rates, tenure, and credit ratings, and consider premature withdrawal penalties before investing.

Why It Matters: Corporate FDs offer higher interest than banks but require careful assessment of credit risk and ratings.