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Company Fixed Deposits – You May Think To Invest before Interest Rates Get Dumped –


You may aware that Fixed deposit is one of the way for companies to raise money for needs like working capital.We have time to time discussed these Fixed Deposits on this blog.Today we will take view of selected company fixed deposits you may think to invest when there are chances that interest rates will go down now.

On 29th January – 2013 there will be monetary policy review by RBI and prediction of most of the bankers & analysts is that there will be rate cut in the range 0.25 – 0.50%.It will also affect deposit rates from banks as well deposits by NBFCs and other companies.

HDFC -Platinum Deposits 

AAA – Credit Rating Deposits.

Interest Rates & Financial Numbers –

Period Interest Rates-General Senior Citizens
15 / 33  Months 9.40% 9.65%
20 / 40 Months  – 9.80%
Financial year Ended Profit After Tax (Crores) Equity Dividend Per share (Rs.)
31/03/2012 4,122.62 11.00/-
31/03/2011 3,534.96 9.00 /-
31/03/2010 2,826.49 7.20 /-

Shriram Transport -Unnati Deposits

AA+ – Credit Rating Deposits.

Interest Rates & Financial Details –

Period

Interest Rates-General Sr.Citizens
12 M 9.25% 9.25%
24 M 9.75% 9.75%
36M – 60 M 10.75% 10.75%

 

Year Ended Profit After Tax [lakhs] Dividend Per Share
31/03/2012 125,744.96 65/-
31/03/2011 122,988.00 65/-
31/03/2010 87,311.74 60/-

Mahindra & Mahindra Financial Services Limited – Samruddhi Fixed Deposits:

AAA – Rating Deposits.

Interest Rates & Financial Numbers –

Period Interest rates Sr.Citizens
12 M 9.25% 9.50%
18 M 9.75% 10%
24 M 10% 10.25%
36 M 10.25% 10.50%
48M 9.75% 10%
60 M 9.75% 10%

 

Year Ended Profit After Tax [Lakhs] Dividend Per Share
31/03/2012 62,012 140/-
31/03/2011 46,311 100/-
31/03/2010 34,271 75/-

From manufacturing sector,one can think for Fixed deposits like Bilcare Limited – Fixed Deposits – which is the leading Packaging solution provider for Pharmaceutical industries.

All these deposits offer cumulative as well as non cumulative deposit facilities which can be good source of interest income with specific interval.

All these companies are in existance for more than 20 years now & though such deposits are not totally risk-free but can be considered to be at minimum credit risk.

 


Category: Fixed Income

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Information provided on this blog is for general purpose only & not investment advice.Please take advice of SEBI Registered Investment Advisors before taking any investment decision.
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