Fixed Deposits are one of the oldest and most common methods of investing. When it comes to assured returns, choosing the right type of savings scheme makes all the difference. Fixed Deposits let you make the most of value-added benefits as you create wealth at low risk.
Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits.

Types of Companies offering Fixed Deposits
- Financial Institutions
- Non-Banking Finance Companies (NBFCs)
- Manufacturing Companies
- Housing Finance Companies
- Government Companies

Features and Benefits
Company Fixed Deposits offer comparatively higher returns than banks.
Choose the best tenure for you from a wide range as per your convenience. You can choose how frequently you want to receive your interest payments:
- Maturity
- Yearly
- Half-yearly
- Quarterly
- Monthly
Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused.
Premature encashment of deposit is available any time subject to payment of prescribed penalty.
Diversify Risk– The deposits should be spread over a large number of companies engaged in different industries. This way, you’ll be able to diversify your risk among various industries/companies.
Wide Choices– Many companies operating in the Company Deposit market. This will help you decide whether to renew or reshuffle the deposit.
Attractive rates as applicable from time to time.
What Is a Corporate Bond?
A corporate bond is a type of debt security that is issued by a firm and sold to investors. The company gets the capital it needs and in return the investor is paid a pre-established number of interest payments at either a fixed or variable interest rate. When the bond expires, or “reaches maturity,” the payments cease and the original investment is returned.
The backing for the bond is generally the ability of the company to repay, which depends on its prospects for future revenues and profitability. In some cases, the company’s physical assets may be used as collateral.
Key Takeaways:
A corporate bond is debt issued by a company in order for it to raise capital.
An investor who buys a corporate bond is effectively lending money to the company in return for a series of interest payments, but these bonds may also actively trade on the secondary market.
Corporate bonds are typically seen as somewhat riskier than government bonds, so they usually have higher interest rates to compensate for this additional risk.
The highest quality (and safest, lower yielding) bonds are commonly referred to as “AAA” bonds
Type of Bonds:
Most popular type of bonds are mentioned below.
As per the Reserve Bank of India SGBs are government securities denominated in grams of gold. These are the substitutes for holding physical gold. Investors have to pay the issue price in cash and the bonds will be redeemed in cash on maturity. The Bond is issued by the Reserve Bank of India on behalf of the Government of India. The issue price and redemption price depends on the price of gold as per the IBJA Rate. Here the investor also gets a return in form of Interest Income for every Sovereign Gold Bond investment which is determined at the time of issue. Interest is calculated on the face value amount which is 2.5% per annum. Here the investor receives interest every 6 months till maturity or redemption date. These bonds have a tenure of 8 years and can be redeemed after 5th year.
NCD’s
Portfolio Management Services
Portfolio Management Services (PMS) is a customized and professionally managed investment vehicle that uses different investment strategies to take advantage of market linked opportunities.
PMS is ideal for high-net worth individuals (HNI’s) who are willing to take on risk and gain market exposure, by investing directly into a basket of securities such as equities, fixed income, structured products, etc.
A quality portfolio is the one that is not too much diversified, & still offers the best risk-adjusted returns. With us, this is identified through unbiased selection based on our proprietary analytics. It’s easy to socialize and sell products, which is what most wealth managers do. We’re reshaping the wealth management industry by sticking to basics, in-depth analytics. We maintain insight + integrity and aim at the long term prosperity of clients.
Wallet Finserve is empaneled with a wide range of reputed third-party PMS providers across India, such as AMC’s and financial institutions which provide their specialized PMS offerings.
Alternate Investment Funds (AIF’s)
Alternate Investment Funds (AIF’s) usually include real estate, private equity, hedge funds and venture capital funds or investments in stocks and bonds using strategies that go beyond traditional ways of investing, such as long/short or arbitrage strategies. Because alternatives tend to behave differently than typical stock and bond investments, adding them to a portfolio may provide broader diversification, reduce risk, and enhance returns.
AIFs combines the operational ease of a mutual fund and the flexibility of a PMS making it a perfect blend geared for generating optimum performance for a stipulated investment objective. To enhance risk-adjusted performance, these products can use complex strategies like unlisted equity investments, long-short hedging style of investments etc.