If you are a business owner or an investor looking for safe and high-yield investment options in 2025, then Corporate Fixed Deposits (FDs) are among the best to consider. Though these FDs have been offered by Non-Banking Financial Companies (NBFCs) and corporates and are thus slightly risky, they still give higher returns than conventional bank FDs. So, let me present to you the 5 best business FD schemes in India that are paying the highest interest rates in 2023.
What Are Corporate FDs?
Corporate FDs are deposits for term offered by companies, mostly NBFCs at fixed interest rates for a certain period. Such deposits have been made in the past with little or no interest return. They will be rated by the agencies like CRISIL and ICRA, giving the investors a chance to check the risk involved before they invest.
Top 5 Business FD Schemes in 2025
Here is a summary of the Indian corporate FDs with the highest yields as of November 2025:
| Company Name | Interest Rate (Max) | Tenure Range | Rating |
|---|---|---|---|
| Bajaj Finance | 8.47% | 12–60 months | CRISIL AAA |
| Shriram Finance | 8.25% | 12–60 months | ICRA AA+ |
| Mahindra Finance | 7.75% | 12–60 months | CRISIL AAA |
| LIC Housing Finance | 7.50% | 12–60 months | CRISIL AAA |
| PNB Housing Finance | 7.40% | 12–60 months | CARE AA+ |
Key Benefits for Businesses
- Higher returns than bank FDs
- Flexible tenures from 1 to 5 years
- Periodic interest payouts (monthly, quarterly, annually)
- Diversification across rated companies
These fixed deposits are extremely beneficial for businesses that have excess funds and are looking for no-risk fixed-income instruments.
Final Thoughts
Corporate FDs in 2025 are offering the potential for very high returns for those businesses and investors who are willing to take a little risk. The investment always requires a credit rating check and a thorough assessment of the issuing company’s financial health beforehand. Owing to the interest rates reaching up to 8.47%, these schemes can definitely be a smart choice for your portfolio when you are looking for stability in terms of income and capital preservation.
