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These types of deposits are offered by corporate companies. Generally, banks are the issuers of fixed deposits services or products in India.But there are other non banking institutions that offer similar deposit products to investors. These corporate entities could be involved in various businesses & may require capital to fund their operations. In such scenario, they issue deposit certificates to the investors of different tenures at fixed interest rates. These types of deposits offer high interest rates than the ones offered by banking institutions. Hence, investors prefer to include corporate deposits in their investment portfolio.A well chosen corporate deposit scheme will yield great returns for an investor. Though these type of deposits offer higher interest rates, there is also a slightly higher risk associated with them.

An investment avenue in which an investor loans money to an entity (government or corporate) that borrows funds for a defined period of time at a fixed interest rate. Bond market has not attracted retail investors to it. But in recent times, lackluster equity markets and low rate of interest have attracted retail investors towards bonds issued by corporate.Advantage: the rate of interest is high.Disadvantage: no security, interest earned is taxable. So before investing in bonds do check the credibility of the company offering the bond and past record of the company.

Goal planning is a proven investment strategy that seeks to accrue a targeted amount of money within a pre-determined time horizon. It is an approach designed to help you save the specific amounts that you will need to reach each of your stated financial goals. Our approach towards securing your financials aspirations is to first set the goals and target investments to each of them. This approach breaks down 7-foot hurdles into smaller achievable 1-footers that are much easier to cross.

With retirement not far around the corner, your needs will be rapidly changing. And you will be asking the big questions what does retirement mean to me, and will I have enough? How can I be better off? As our lives change, our financial needs and priorities change too. Even if youre years away from retiring, youre wise to be thinking about retirement planning. Years from now youll be a lot happier saying, Im glad I did instead of I wish I had. A retirement plan is an assurance that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working. Investment Locker will help you understand how much you need to grow your wealth before you retire and how to plan for it.

One of the most important aspirations in a parents life is to provide for and secure your childs future. Starting with the education of the child right up to their marriage, the responsibilities of parents towards their children can seem endless. Every parent knows that you have to start setting aside a certain sum of money for your childs needs as early as possible.

Safe & sure way to get a regular monthly incomeSpecially suited for retired employees/ Senior Citizens or any one with high sum for investmentRate of interest 7.3% w.e.f 1 Jan 2018Maturity Period - Five YearsAuto credit facility to SB Account. Type of Account Minimum limit Maximum limitSingle INR 1500/- INR 4.5 lakhsJoint INR 1500/- INR 9 lakhs