There are many investors, especially the investors from the retirement class who prefer to do the investment in fixed deposit (FD). The reason why the retired class prefers to select this investment tool is that it involves very less risk and provides assured returns after a fixed duration of time. There are many investment tools available in the market where the return is high, but it involves more risk like investment in share market, investment in mutual fund, investment in real estate etc. More info@ https://www.moneydial.com/4-ultimate-fixed-deposits-that-will-give-you-more-returns/

1. 4 Ultimate Fixed Deposits that will give you more
Returns
There are manyinvestors,especiallythe investorsfromthe retirementclasswhoprefertodothe investmentin
fixeddeposit(FD).The reasonwhythe retiredclasspreferstoselectthisinvestmenttool isthatit involves very
lessriskandprovidesassuredreturnsafterafixeddurationof time.There are manyinvestmenttools available
inthe marketwhere the returnishigh,butit involvesmore risklike investmentin share market, investment in
mutual fund,investmentinreal estate etc.These fixed deposits are offered by the banks and companies. The
fixed deposits offered by the companies are called ‘company fixed deposit.’
What is fixed deposit?
Fixeddepositisakindof financial instrumentwhichisusuallyofferedbythe banks.In this, if any investor does
the investmentforcertainperiodof time, the banks provide better return to the investor as compared to the
return from the saving account. This is usually offered after the maturity date. However if the investor
withdrawsthe investedamountbefore the maturityperiod,the investorwill notgetthe promised amount and
will face some financial penalty
What is company deposit?
It isa kindof financial instrument,whichisofferedbythe companies to investor, where the investor does the
investment in any company at an offered rate for a fixed duration. Usually Financial institutions and Non-
banking Finance Companies accept such deposits. These kinds of deposits come under Companies Act under
section 58A. They are unsecured, which means that if the company defaults, the investors cannot sell the
documents and recover the invested amount. Investments in company deposit are usually done by checking
the rating,whichare offeredbythe rating agencies like ICRA, Crisil, and BWR etc. Interest rate offered by the
company deposit usually float around 9.25% to 11.85%.
In the present time the interest rates offered by the banks are around 7.1% to 8.5% p.a. which is quite low. If
you compare the interest rate offered by the banks few years back, there was a time where the bank FD
interest rates were somewhere around 9.1 to 10% plus banks where offering additional 0.5% interest rate to

2. seniorcitizeninvestments.Forthe presentMoneyDial wouldsuggestyou7 ultimate fixed deposit, where you
can do investment and good returns.
4 Ultimate FixedDeposits
1. DHFL Aashray Deposit Plus:
It isa kindof fixeddepositwhichoffershighinterestrate.The ratingofferedby CAREAAA (FD) by CARE
and BWR FAAA by Brickworks. The interest rate offered by these FDs is 8.50% to 9.15% plus free
insurance of 1 lakh to individual depositor.Thisinterestrate isofferedfordurationof 12 months to 120
months.
2. Bajaj Finserv:
It isthe bestinvestmentoptionif youare lookingformonthlyinterest.The rating offered by the rating
agencyis AAA,whichisverygood.Foran investmentof 12-17 monthsthe interestoffered by the fixed
depositisat 8.23%. However for an investment of 18-60 months the interest rate offered by the FD is
at 8.32%. The interest in this FD is paid monthly basis.
More info@ https://www.moneydial.com/4-ultimate-fixed-deposits-that-will-give-you-more-returns/