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Benefits |
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Tax Implication
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Focused FD Rates
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All FD Rates |
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Fixed Deposit is an account maintained with a Bank, HFC (Housing Finance Company),
Corporate, NBFC (Non Banking Finance Company) or any other entity wherein the money
is given at a particular rate of interest for a particular period of time. The interest
rate on FD varies depending upon the tenure (The time period for which the FD is
made) and amount of principal. The tenure varies from 1 year to 7 year (12 months
to 84 months).
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- High Safety
- Attractive Fixed return
- Monthly / Quarterly / Half Yearly / Annual Interest Income Options
- Depositor can take the loan Facility against the fixed deposits.
- In the case of a nomination Facility an investor can fill a form directing depositor
Company to pay the matured fund amount to a particular person in case the original
account holder expires.
- Premature Withdrawal Facility (after 3 months)
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- No TDS will be charge till the interest income of Rs < than Rs 5000 .
- TDS on Interest Earned - Interest earned up to Rs. 5,000.00 in a FY exempt.
- If the interest on the FD is more than Rs. 5000 then the company deducts TDS while
making the payments.
- It is mandatory for the companies to club the interest income on all the accounts
of the account holder and deduct TDS if interest is more than Rs. 5000. The Income
Tax is deducted at source in accordance with the Section 194-A of the Income Tax
Act except where appropriate certificates/Forms ie. Form 15H/15G is submitted at
least one month before the due date of interest.
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For Trust
- Form 15G or Form 197
- Trust Deed
- Registration Certificate
- Resolution
- PAN
- Address Proof
- PAN of Signatory
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Application in the name of Minor
- Birth Proof of minor
- Fill KYC of minor with signature of Guardian
- KYC of Guardian with Id. Proof & Res. Proof
- PAN if investment is =>50000
- Second Holder & nominee can be done
- Holders can not be nominee
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Application by POA
- Self-attested POA copy
- POA holder KYC
- First depositor KYC
- Sign with POA stamp
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Application by INDIVIDUAL
- PHOTO ID(PAN, IF 50000+)
- ADDRESS PROOF
- DOB PROOF, IF SR. CITIZEN FORM 15G OR 15H
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Application by HUF
- ID - KARTA
- PHOTO - KARTA
- ID - HUF
- ADDRESS PROOF - HUF
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| Focused FD List |
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| COMPANY |
RATING |
Min. Deposit Amount |
INTEREST RATE |
| 6 |
12 |
24 |
36 |
| DHFL-AASHRAY DEPOSIT PLUS SCHEME** |
care (AA+) & BWR (FAAA) |
2000*1000 |
48 to 84M 10.00 |
10.00 |
10.00 |
10.00 |
| HDFC Platinum** |
FAAA |
20,000 |
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22M - 9.30 |
33M - 9.50 |
| Helios & Matheson # |
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25000 -Cum 40000 – Qty 100000 – Monthly |
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12.00 |
12.00 |
12.00 |
| Jaiprakash Associates Ltd./Jaypee Infratech Ltd. |
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20000*1000 |
10.50 |
10.50 |
11.00 |
11.50 |
| Mahindra Finance Ltd** |
CRISIL "FAA+" |
Cum 10000*1000 Half Yrly-25,000 Qty-50,000 |
18M-9.00 |
8.50 |
9.50 |
36-60M 10.00 |
| Neesa Leisure Limited* # |
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25000*1000 |
11.00 |
11.25 |
11.75 |
12.00 |
| SHRIRAM UNNATI |
CRISIL"FAA" & ICRA "MAA" |
25000*1000 |
48 & 60M 10.75 |
9.25 |
9.75 |
10.75 |
| United Spirits |
ICRA "MA-" |
25,000 |
- |
11.00 |
11.50 |
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| ** 0.25 Extra for Sr. Citizens |
| * 0.5 Extra for Sr. Citizens |
| # Issue Post Dated Cheques |
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Rate Of Interest - Fixed Income ( January to March 2011)
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Notes:-
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ROI structure may revise without prior notice. Its advisable to consult Branch before deposit of application.
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COMPANY
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RATING
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Min. Deposit
Amount
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INTEREST RATE
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REMARKS
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6 |
12 |
24 |
36 |
ANKUR DRUGS AND PHARMA LTD
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25000*1000
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10.00 |
11.00 |
12.00 |
0.25 % extra for Sr. Citizen/Sh. Holder/Employees.
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Ansal Properties & Infrastructure Ltd
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Cum-50000
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11.50 |
12.00 |
12.25 |
12.50 |
Only Cumulative scheme
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Birla Cotsyn (India) Ltd
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10000*1000
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10.50 |
11.00 |
11.50 |
0.25% extra for above 1 lac in a single application.
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Birla Power Solutions Ltd.
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10000*1000
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-
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10.50 |
11.00 |
11.50 |
0.50% Extra only for Shareholder, Min 6 Share. 0.25% extra for amount
to or above 1 Lakh
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DHFL-AASHRAY DEPOSIT PLUS SCHEME
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care (AA+) &
BWR (FAAA)
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2000*1000
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48 to 84M
9.50
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10.00 |
10.00 |
10.00 |
0.25% extra for Deposit Rs.25 Lac and above, 0.25% for Sr. citizen
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Jaiprakash Associates Ltd.
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20000*1000
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10.50 |
10.50 |
11.00 |
11.50 |
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Jaypee Infratech Ltd.
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20000*1000
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10.50 |
10.50 |
11.00 |
11.50 |
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Mahindra Finance Ltd
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CRISIL "FAA+"
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Cum 10000*1000
Half Yrly-25,000 Qty-
50,000
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18M-9.00
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8.50 |
9.50 |
36-60M
10.00
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0.25% extra for Sr. Citizen/Sh. Holder. Renewal only principal amount.
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Neesa Leisure Limited
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25000*1000
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11.00 |
11.25 |
11.75 |
12.00 |
0.50% Extra for Sr.Citizen/Emp & investment amount to or above 5
Lakhs
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Network 18 Media & Investmnt Ltd.
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ICRA "MA-"
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10000*1000
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Non Cum=9
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11.50 |
11.50 |
11.50 |
0.50% p.a for Sr.Citizen & Employee of Network 18
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Network 18 Media & Investmnt Ltd.- Corporate
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ICRA "MA-"
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10000*1000
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11.50 |
11.50 |
11.50 |
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Parsvnath Developers Ltd
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15000*1000
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10.00 |
11.50 |
11.75 |
12.00 |
0.50% p.a for Sr.Citizen(Age-65) / Emp & Sh. Holder. Min 100 shares
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Raj Oil Mills
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10000*1000
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10.50 |
10.75 |
11.50 |
0.25% p.a for Sr.Citizen / Emp & Sh. Holder.
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Sejal Glass
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10000*1000
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8.75 |
10.00 |
10.50 |
11.00 |
0.50% for Sr. Citizen, Sh. Holder, Employees, Defence / Para-Military Personnel, Ex-Servicemen, Ph. Handicaped. Min. No. of Share 1
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SHRIRAM UNNATI
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CRISIL"FAA" &
ICRA "MAA"
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25000*1000
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48 & 60M
10.75
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9.25 |
9.75 |
10.75 |
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T.V-18 (Cnbc)
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ICRA "MA-"
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10000*1000
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Non Cum=9
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11.50 |
11.50 |
11.50 |
0.50% p.a for Sr.Citizen & T.V 18. Only Principal Amount
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T.V-18 (Cnbc) - Corporate
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ICRA "MA-"
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10000*1000
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11.50 |
11.50 |
11.50 |
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Unitech Limited
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10000*1000
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11.00 |
11.00 |
11.50 |
12.00 |
0.5 for sh. Holder/Emp/Sr.citizen/Property owner
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United Spirits
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ICRA "MA-"
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25,000 |
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11.00 |
11.50 |
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Valecha Engineering Ltd (New)
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10000*1000
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-
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9.00 |
9.50 |
10.00 |
0.25% extra for above 1 lac in a single application. 0.50 % extra for Sr.
citizen, Employee & Share holder (Min. 100 share)
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Zenith Birla (India) Ltd.
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10000*1000
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9.00 |
10.50 |
11.00 |
0.25% extra for above 1 lac in a single application. Min 1 Share
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OTHER FIXED DEPOSITS SCHEMES
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COMPANY
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RATING
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Min. Deposit
Amount
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INTEREST RATE
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REMARKS
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6 |
12 |
24 |
36 |
Alembic Ltd.
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CRISIL "P1+"
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50000*10000
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-
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8.50 |
8.50 |
9.00 |
0.25 % extra on deposits of Rs. 5 Lacs & Above
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Ansal Housing & Construction
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10000*1000
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10.00 |
11.00 |
11.00 |
11.50 |
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Apollo Hosp. Ent. Ltd.
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CRISIL "FAA+"
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25,000 |
-
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8.25 |
8.50 |
9.00 |
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Avon Corporation Ltd
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5000*1000
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-
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11.00 |
11.50 |
12.00 |
0.50% extra for Sr.Citizen/Sh.holders, Min 1 Share
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Ceat Ltd
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25000*1000
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-
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9.50 |
10.00 |
10.50 |
0.25% p.a for Sr. Citizen, Shareholders & Employee
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Damodar Threads Ltd.
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5,000 |
-
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11.00 |
11.50 |
12.00 |
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Darcl Logistics
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5000*1000
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9.00 |
10.00 |
10.00 |
10.00 |
0.50% p.a for Shareholders
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Dcm Shriram Consolidated Ltd
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10,000 |
-
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8.50 |
0.25% p.a for Shareholders
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Deepak Nitrite Ltd
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20000*1000
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-
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8.25 |
0.25% p.a for Sr. Citizen
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Fenner India Ltd
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CRISIL "FAA-"
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20000*5000
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-
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8.00 |
8.25 |
8.50 |
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Force Motor
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12&24M-10000*5000
36M-25000*5000
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8.00 |
9.00 |
10.00 |
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Futura Polysters Ltd
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20,000 |
-
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9.00 |
9.50 |
10.00 |
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Gati Ltd.
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21000*1000
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-
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9.00 |
9.50 |
10.00 |
0.50% p.a for Shareholders, Employee of company
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Godrej Boyce & Manufact. Ltd.
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15000*1000
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-
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-
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-
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8.00 |
Single App upto 1lac
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Godrej Boyce & Manufact. Ltd.
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101000*1000
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-
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-
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-
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8.00 |
Single App above 1lac
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Godrej Industries Limited
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10000*1000
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13M-7.50
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-
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8.00 |
8.50 |
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Godrej Properties LTD
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10000*1000
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-
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8.25 |
8.75 |
9.25 |
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Gujarat Apollo Equipment
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200,000 |
-
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9.00 |
9.50 |
10.00 |
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Helios & Matheson
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25,000 |
-
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12.00 |
12.00 |
12.00 |
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Ion Exchange (India) Ltd
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25,000 |
-
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7.00 |
7.50 |
8.00 |
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J K Corp.(Jk Lakshmi Cement Ltd)
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20000*1000
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-
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8.00 |
8.50 |
8.50 |
Only Cumulative Scheme
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J K Industries (Jk Tyre & Ind. Ltd)
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20000*5000
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-
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9.00 |
9.25 |
9.50 |
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J K Paper Ltd.
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10,000 |
-
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8.00 |
8.25 |
8.50 |
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Mahindra & Mahindra Ltd
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25,000 |
-
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7.00 |
-
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8.00 |
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Ocl India Ltd.
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25,000 |
-
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7.50 |
8.00 |
8.00 |
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Pae Limited
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10000*1000
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-
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10.00 |
10.50 |
11.00 |
0.25% p.a for Sr.Citizens (60yrs), Shareholder & Employee.
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Prism Cement Limited
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10,000 |
-
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9.50 |
9.50 |
9.50 |
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Supreme Petrochem
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12-10000,
24&36-5000
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8.50 |
9.00 |
9.50 |
0.25% for Sh. Holder(100), Sr. Citizen(60yrs)
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