Rate of Interest Structure - Fixed Deposits (July, 2016)
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1 Rate of Interest Structure - Fixed Deposits (July, 2016) Terms & Conditions: COMPANY SCHEMES RATING DHFL- Dewan Housing Finance Ltd. DHFL - Double My Money Scheme DHFL-AASHRAY DEPOSIT PLUS SCHEME DHFL - Aashray Deposit Plus 40 Months DHFL - Aashray Deposit Plus 14 months DHFL - Aashray 13 months - Trust Deposit DHFL-Swayam Sidha Scheme for Women only (18 Months) MIN. DEPOSIT AMOUNT/MULTIPLE M & ABOVE <50L (95M) = (Double) Interest Compounded Annually =>50L (92M) = (Double) 36M : 8.75 Yearly/Cum M: 8.75 Cum-2K * 1K H/Y- Half Yrly Qtly K * 1K K * 1K Cum/yrly Half Yrly 8.70 Qtly 20K * 1K 50K * 1K Cum- 2K * 1K H/Y- 20K * 1K INTEREST FREQUENCY Cum/Yearly Qtly Cum/Yrly Half Yrly Qtly Cum / Yrly Half Yrly Qtly FOCUSED FIXED DEPOSITS SCHEMES RATE OF INTEREST (% p.a.) M : M: 36M : M: M : M: 0.25% extra for Privilege Depositors ( Sr.Citizens above 60 yrs, DHFL H.L Customers, Armed forces Personnel & Widows ), 0.25% extra on single application deposit 50 Lacs and above. Interest Compounded 0.25% extra for Privilege Depositors ( Sr.Citizens above 60 yrs, DHFL H.L Customers, Armed forces Personnel & Widows ), Interest Compounded Annually 0.25% extra for Privilege Depositors ( Sr.Citizens above 60 yrs,, DHFL H.L Customers, Armed forces Personnel & Widows ), 0.25% extra on single application deposit 50Lacs and above. Interest Compounded 0.25% extra on single application deposit >= Rs. 50 Lacs 0.25% extra for Women depositors in the segment such as Senior Citizens, Widows, Armed Forces Personnel,DHFL Home Loan Borrowers. Ist depositor should we woman. Interest Compounded
2 COMPANY SCHEMES RATING MIN. DEPOSIT AMOUNT/MULTIPLE INTEREST FREQUENCY RATE OF INTEREST (% p.a.) M & ABOVE Cum M : M : 8.45 MAHINDRA FINANCE Mahindra Finance Ltd FAAA Rating by CRISIL 25K * 1K Half Yrly K * 1K Qtly M : M : M : M : % extra for Sr. Citizen above 60 years & 0.35% extra to Employees/Employees' relative (All M&M Group Companies Employees). Interest Compounded Annually Approval Required Above 1 Cr. HDFC (Individual Deposits) HDFC (Trust Deposits) Cum M 8.25 Yearly M 8.25 Half Yrly M 8.10 Qtly 36-60M 40,000 * 1, M 7.95 Cum M 8.25 Yearly M 8.25 Half Yrly M 8.10 Qtly 36-60M 40,000 * 1, M 7.95 Required for Deposit above Rs. 2 Crore. Compounded Annually. Interest Rates for deposits upto Rs. 2 Crore only. Approval Required for Deposit above Rs. 2 Crore. HDFC Double Money Plan Cum 100M Required for Deposit above Rs. 2 Crore. HDFC - Housing Developme nt Finance Corporatio n Ltd. HDFC Premium Deposits (Individuals upto Rs 2Cr) HDFC Premium Deposits (Trust upto Rs 2Cr) HDFC Premium Deposits (For Trust & Institutions upto Rs 10Cr) special HDFC Smart Deposits (For Corporates otherthan CNX500, amt.upto Rs 20Cr) CRISIL (FAAA) ICRA (MAAA) 40,000 * 1, Qtly Half-Yrly Annual 22/44 M # ,000 * 1, Qtly Half-Yrly Annual 15/30M 22/44 M # ,000 * 1,000 5,00,000 * 1,000 5,00,000 * 1,000 5,00,000 * 1,000 Qtly# Annual* 15/30M 31D - 90 Days & 91D Days 181D- <12M & 12M-<= 18M $ 8.25$ & 8.25$ 8.30 Required for Deposit above Rs. 2 Crore. [# (30 Months Only)] Required for Deposit above Rs. 2 Crore. [# (30 Months Only)] Qtly 8.05 Half-Yrly /40M Annually. Interest Rates for deposits upto Rs. 10 Crore only. Approval Annual 8.30 Required for Deposit above Rs. 10 Crore. Interest is Compounded Annually for cumulative interest plan where the period is more than 12 months. Interest Rates for deposits upto Rs. 20 Crore only. [# Interest is paid at the end of each quarter for deposits placed under quarterly product option & * Deposits exceeds 12 months annual inerest option denotesinterest rates for Days, $ denotes interest rates for 12<=18Months
3 COMPANY SCHEMES RATING SHRIRAM TRANSPOR T FINANCE LTD. SHRIRAM UNNATI CRISIL"FAAA" ICRA"MAA+" MIN. DEPOSIT AMOUNT/MULTIPLE Cum - 5K * 1K Non Cum - INTEREST FREQUENCY RATE OF INTEREST (% p.a.) M & ABOVE Yrly/Cum Half Yrly Qtly M : M : M : M : M : M : M : M : M : % extra for Sr. Citizen above 60 years.interest Compounded Annually. Post Dated Interest Cheque of each F/Y will be issued in advance.interest Rates for deposits less than Rs. 5 Cr for Individuals & less than Rs 1 Cr. for Non-Individuals. Monthly M : M : M : 8.42 Cum/Yrly 12M-17M: 18M-60M: 8.65 Bajaj Finance Ltd. Bajaj Finance Ltd. CRISIL"FAAA" ICRA "MAAA" 1. Delhi/NCR and Mumbai INR 75, Bangalore, Chennai, Hyderabad, Kolkata, Ahmadabad & Pune INR 50, Rest of India (BFL branch presence, as per the list) - INR 50,000 Half Yrly 12M-17M: M-60M: 8.47 Qtly 12M-17M: M-60M: M-17M: M-60M: 8.32 (0.25% extra for Sr. Citizen, & 0.10% Existing loan Customers, FD Renewal Customers & Bajaj Group Employees for deposit upto Rs. 1 cr.) and Interest Compounded Annually. Post Dated Interest Cheque of each F/Y will be issued in advance. Approval requires for Single Application of Rs. 1 Cr Above. 10K < 25L * 1K M : M : 8.25 Kerala Transport Developme nt Finance Corporatio n Limited KTDFC Guaranteed by Government of Kerala / Monthly / Quarterly >= 25L * 1K M : M : % extra for Sr. Citizen above 60 years. Interest Compounded Monthly in ( and Quarterly option). Interest is paid by way of ECS/NEFT/Interest warrants. Post dated Interest cheques for each F/Y will be sent in advance. Approval requires for Single Application of Rs. 50L & Above.
4 PSUs/Govt/HFCs - Rate of Interest Structure - Fixed Deposit - (July, 2016) Terms & Conditions: COMPANY RATING Min. Deposit Amt. RATE OF INTEREST HUDCO (Individual/ HUF) FITCH "IND taaa"care HUDCO (Trust/Company/Firm) "CARE AAA(FD)" % extra for Senior Citizens(60yrs). Required Approval above 25 Crores. Interest Compounded Annually. Non-cum Min 50000*5000 NHB (National Housing Bank - Sunidhi) CRISIL "FAAA" 50K * 10K % for Sr. Citizens, Max Agg not exceed 5 Crore per depositor. NHB Suvridhi (Tax Saving) (Ind/HUF only) CRISIL "FAAA" 10K * 10K - PNB Housing (upto Rs. 5 Cr.) CRISIL "FAAA" 20K PNB Housing Special Deposits (upto Rs. 5 Cr.) CRISIL "FAAA" 20K 15M M M- 44M % Senior Citizens, Max limit upto 1 Lac in a fin. Year. Approval Required 0.25% Senior Citizens in All tenures upto 1 Cr. Above Rs. 5 Cr. Approval required Sidbi ( Individuals & Huf ) (Trust) "AAA" CARE (12 to 13) : 7.00 (14 to 36) : 6.75 (37 to 60) : % Senior Citizens. Interest Compounded Quarterly LIC Housing Finance (<10Lacs) CRISIL "FAAA" LIC Housing Finance (=>10Lacs) CRISIL "FAAA" For Sr. Citizen amt upto Rs. 50K = 0.10% & amt above Rs. 51K = 0.25% extra. Requires Approval for above Rs. 5 Cr for ROI. Interest Payable & Compounding on annually basis. Deposits exceeds Rs. 5 Cr w/n 1 months by single depositers ROI will change. Gruh Finance (Individual/Trust) Sundaram BNP Paribas Home Finance (Ind. / HUF / NRI) Sundaram BNP Paribas Home Finance (Trust / Institutional) ICICI Home Finance Ltd. (Special Rate) ICICI Home Finance Ltd. (Base Rate) FAAA (CRISIL) MAAA (ICRA) MAA+/STABLE BY ICRA MAAA "Highest credit quality rating by ICRA" & AAA "CARE AAA (FD)" by CARE 1K * 1K ( Cum.) 2K * 1K (Annual) 2K * 1K (Qtr.) 20K * 1K (Mthly) 12M :,13 M-23M : 12M- 23M : 12M- 23M : M- 23M : (Mthly) (Qtr.) (Cum.) (Mthly) (Qtr.) (Cum.) 20K * 1 (Qtr.) 40K * 1 (Mthly) 10K * 1 (Cum.) / A nnual 20K * 1 (Qtr.) 40K * 1 (Mthly) 10K * 1 (Cum.) / A nnual M,15 M : M,15 M : M,15 M : M : M,30M,35M: 20M,30M,35M: M,30M,35M: M : 12-23M : 36-47M : M : 36-47M : M : M : M : M : M : 60-83M : M : 60-83M : 60M : 60M : M : M : 48-60M : M : M : M : NA NA M : - (Ind. Dept Min. Rs. 1K) ( Mthly Rs. 20K, Qtrly & Annual Rs. 2K) (0.25% for sr citizen & trusts) 0.50 % for sr citizen (60yrs) Extra 0.25% additional interest for Senior Citizens. Approval requires for deposits above Rs. 1 Cr.
5 Private Companies - Rate of Interest Structure - Fixed Deposit - (July, 2016) Terms & Conditions: Ansal Housing & Construction Ltd. COMPANY RATING Min. Deposit Amt. IND ta- 40K * 1K (Qtr.) 40K * 1K (Mthly) 20K * 1K (Cum.) RATE OF INTEREST M Interest compounding monthly (in Qtr. & Cum. Scheme). Damodar Threads Ltd. CARE BBB- 5K % additional ROI for sr citizen (60yrs)/Employees of group JK Lakshmi Cement Pvt. Ltd. JK Papers Pvt. Ltd. AA- (FD) by CARE (IND ta-) by IRRPL 25K * 5K (Qtr.) K * 5K (Cum.) K * 1K (Qtr.) K * 1K (Cum.) Interest will be Compounded Quarterly and paid on Maturity. Interest pain on the end of Qtr. Interest will be Compounded Quarterly and paid on Maturity. Interest pain on the end of Qtr. JK Tyres & Industries Ltd. (IND ta+) by IRRPL 25K * 5K (Qtr.) 25K * 5K (Cum.) Interest payable & compounding on Qtr. ending, 0.50% additional ROI to Sr. Citizens, Employees, Shareholders and on Rs. 5 lac & above. Only Fresh Application will be accepted. Kores India Ltd. FA-/Stable by CRISIL 25K * 5K (Qtr.) 10K * 5K (Cum.) % additional ROI for sr citizen (60yrs). Interest is payable on Qtr. ending basis & Interest will be compounded Qtr. Talbros Automotive Components Ltd. FA-Stable by CRISIL Interest payable on Qtr. starting date Omaxe Limited CARE BBB-(FD) 50K interest is compounding monthly and payable on quaterly basis Gati Ltd. CARE BBB+ 21K*1K(Cum) K*1K (Qtr) Interest Payment Godrej & Boyce Ltd. FAA(Stable) ( < Rs. 1L) Only Renewals (CRISIL) 25K * 1K Interest Payment Godrej & Boyce Ltd. FAA(Stable) (Rs. 1L & Above) Only (CRISIL) Renewals 25K * 1K Interest Payment Darcl Logistics Ltd. (Only Fresh Deposits) FA- by CRISIL 50K * 1K (Qtr.) 20K * 1K (Cum.) M : % additional ROI for sr. citizen (60yrs). Interest Compounded Quarterly & payable on Quarterly basis. Mukand Ltd. Only For Shareholders BWR F BB 40K * 1K (Cum.) Interest Compounding bais.
6 Terms & Conditions: NHAI National Highway Authority of India Minimum Amount Minimum Bond Period Rate of interest Rs. 10,000 * 10,000 1 (one) Bond 3 years ( lock in). No TDS 6.00% p.a. Rating AAA/Stable BONDS Capital Gain Bonds: ( Tax Saving u/s 54EC) REC ( Rural Electrification Corporation Ltd) Minimum Amount Minimum Bond Period Rate of interest Rs. 20,000 * 10,000 2 (Two) Bond 3 years (lock in) 6.00% p.a. Rating AAA/Stable Govt. of India Saving Bonds - 8% Taxable) in ( HDFC/SBI* / ICICI / IDBI / AXIS /SHCIL ) Rate of Interest 8% Minimum Amount Rs. 1,000 * 1,000 Charitable Trust TAX exemptiom Required Certificate for NON * Only Selected centers For Institutional investments in Fixed Deposits and Capital Gain Bonds, please contact [email protected]
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