NBFC Fixed Deposits — More Than a Bank FD
Earn better interest rates than traditional bank FDs by investing in NBFC (Non-Banking Financial Company) Fixed Deposits.
Understanding NBFC Fixed Deposits
A Non-Banking Financial Company (NBFC) is a financial institution registered under the Companies Act that provides banking services without holding a banking licence. Examples include Bajaj Finance, Mahindra Finance, Shriram Finance, and more.
NBFC Fixed Deposits are term deposits offered by these companies — similar to bank FDs but typically offering higher interest rates due to their risk premium.
They are regulated by the Reserve Bank of India (RBI) and the Ministry of Corporate Affairs, providing a layer of regulatory oversight.
Key Benefits
Bank FD vs NBFC FD
Important Risk Considerations
- • NBFC FDs are not insured by DICGC (unlike bank FDs up to ₹5 lakh)
- • Credit risk depends on the financial health of the NBFC
- • Always check the credit rating (AAA is safest)
- • Invest only in well-known, RBI-regulated NBFCs
- • Suitability depends on your risk tolerance and goals
Who Is It Suitable For?
- • Investors seeking better than FD returns with predictability
- • Those comfortable with slightly higher risk for higher returns
- • Senior citizens looking for regular income with good yields
- • Portfolio diversification alongside bank FDs
Want to Explore NBFC FDs?
We help you identify the right NBFC FDs based on your risk profile, tenure, and return expectations.
Talk to an AdvisorInvestments subject to risk. Please consult your advisor before investing.