There are two schemes to choose from the KCP fixed Deposits, namely Scheme 1 (non-cumulative) and Scheme 2 (cumulative deposits).

SCHEME 1

This is a non-cumulative fixed deposit scheme.  With this FD Scheme you will be paid interest on a quarterly basis.  The minimum amount of deposit under this scheme is Rs. 21,000 and thereafter in multiples of Rs. 1000.  The interest and principal will be paid back in the form of account payee cheques.

Interest Rate

1 year – 10%

2 years – 10.25%

3 years – 10.50%

SCHEME 2

KCP offers the regular cumulative deposit and the interest will be compounded quarterly and will be paid on maturity and hence you earn more as the interest gets accumulated to your principal every quarter.  The minimum deposit is Rs. 21,000.

Interest Rate

1 year – 10% (effective yield 10.38%)

2 years – 10.25% (effective yield 11.22%)

3 years – 10.50% (effective yield 12.16%)

TDS is applicable on the interest component for the above mentioned schemes.  The deposit amounts will be accepted either as cheque or DD only and they don’t accept cash for the same.

The KCP Limited is located at “Ramakrishna Buildings”, No. 2 Dr PV Cherian Crescent, Egmore, Chennai 600008.  If you are looking to invest in their FD, just get their application form and fill it fully and send it along with cheque to the above address.  KCP also has branches in Andhra Pradesh, New Delhi, Mumbai, Hyderabad and Vijayawada where they will issue and accept Fixed Deposit applications.

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Deposit Schemes

Dewan Housing offers different deposit schemes for the general public and its existing investors.  While the interest rate ranges between 10.50 to 11.25% p.a. under the Aashray Deposit Plus Scheme for the duration of 1 year to 7 years, while under cumulative scheme the interest rate goes up to 16.45%.  DHFL also has two other deposit schemes namely 400 Days Deposit and 365 Days Trust Deposit (which is for its existing investors) where one can earn from 11.50 and 11.25% p.a. respectively.

Features

• Choose the option ECS for interest payment and other disbursals
• DD Charges will be reimbursed by DHFL
• Private limited firms, HUFs, resident Indians, NRIs, co-operative societies, trusts can invest in it.
• Documents needed to invest are the KYC document, identity proof, address proof, as well as the cheque and DD in favor of Dewan Housing Finance Corporation Ltd.

Rating

As mentioned above this DHFL Fixed Deposit comes with AA+ rating from CARE and FAAA rating by BWR.

There are two options available for the DHFL fixed deposit schemes namely cumulative and non-cumulative deposits.

Cumulative Scheme

Under this scheme for this DHFL FD, you the minimum duration is 12 months and the maximum duration of investment is 84 months.  While the annual adjusted cumulative yield being 11.57% for 12 months and 16.45% p.a. for the 84 months deposit.  There are other duration like 24 months to 72 months as well for which the interest rate varies accordingly.  The minimum deposit is Rs. 10,000.

Non-Cumulative Scheme

The interest rate of the non-cumulative scheme ranges from 10.75% p.a. to 11.50% p.a.  The interest being paid either monthly, quarterly, half yearly or annually.  The minimum deposit being Rs. 20,000.  Interest will be paid via ECS to your bank.

DHFL also offers other deposit schemes like certificate scheme, Aashray Deposit for 36 months where the annual yield is 12.87% p.a. for cumulative scheme and 10.45% p.a. to 11% for non-cumulative scheme under Aashray.

Recurring Deposit

Dewan Housing also offers recurring deposit scheme where one can earn 10.50% p.a. for a minimum deposit of Rs. 500 per month under their Small Savings Scheme.  The amount per month is flexible with the minimum being Rs. 500 and in multiples of Rs. 100 and above.

To invest in this FD Scheme from DHFL you can contact your nearest Karvy Broking or contact your financial advisor.

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Premier as you may know is one of the well known brand in automobile sector in India and they have a lot of factories and facilities in which they manufacture various automobile components, parts and even make their very own brand of automobiles, etc.

Fixed Deposit Schemes

There are two schemes available with this Premier Ltd Fixed Deposits namely: Scheme A (non-cumulative deposit plan) and Scheme B (Cumulative deposit plan).  Non-cumulative is regular interest payment plan while the cumulative plan will let you accrue your interest earned and pay you back at the end of the FD tenure and thereby helping you yield more on your investment even on the interest part.

Tenure and Minimum Deposits

For both the plans the minimum tenure is 2 years and the maximum is 3 years.  For both the Premier FD Schemes the minimum deposit is Rs. 25,000

Non-Cumulative Deposit Plan

2 years – 11.00%

3 years – 11.50%

Cumulative Deposit Plan

2 years – 11.00% (effective yield 12.12%)

3 years – 11.50% (effective yield 13.50%)

Risks and Benefits

The returns or interest though are lucrative, this Premier Ltd Fixed Deposit scheme too carries equal risk on your investment just like any other company FD and your investment is not as protected as in case of bank deposits and hence know all the pros and cons of investing in such schemes and then proceed.  And moreover this FD Scheme is also not rated by any of the rating company and hence the risk increases and therefore invest with them knowing all the risks.

If you are looking to invest in such private company fixed deposits, either contact them directly or look for your nearest investment centers or investment advisors.

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Schemes Available

There are 3 schemes to choose from Tamilnadu Power Finance FD namely

• Regular interest payment scheme (RIPS)
• Cumulative interest payment Scheme (CIPS-I)
• Cumulative interest payment scheme (CIPS-II)

Regular Interest Payment Scheme (RIPS)

The period of investment in this scheme are 24 months, 36 months, 48 months and 60 months only.  The quarterly interest that you p.a. is 9.58% for 24 months and 10.08% for 36, 48, and 60 months respectively.  The minimum deposit allowed is Rs. 20,000.

For senior citizens the rate of interest being 9.84% and 10.59% for 24 months and 36,48, 60 months respectively.

Cumulative Interest Payment Scheme (CIPS I)

The minimum deposit under this scheme is Rs. 10,000 and above.

Interest rate:

12 months -9.25% (effective yield 9.65%)

24 months – 9.50% (effective yield 10.42%)

36, 48 and 60 months – 10% (11.61%, 12.23%, 12.91% respectively)

The actual effective yield is much higher for the CIPS-I scheme because of the cumulative option that is involved.  Add 0.25% extra from the above interest rate for the senior citizens.

Cumulative Interest Payment Scheme (CIPS-II)

This plan is available only for the individuals.  The minimum deposit allowed in this scheme is Rs. 608 which will become RS. 1000 in 60 months.  The deposits are allowed in multiples of Rs. 608 only.

The above mentioned interest rates for the Tamil Nadu Power Finance Fixed Deposits are subject to change till they announce until then this new interest rates are effective till the year 2012.

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Minimum Investments

The minimum investment that you can save with the Mahindra Finance Fixed Deposit is Rs. 10,000 for the cumulative scheme, while it is Rs. 25,000 for the non-cumulative scheme.  You can invest more in multiples of Rs. 1000 and above.

Periods Available

You can choose 12, 24, 36, 48 or 60 months as your tenor for your investment that you place with them.

Schemes

The regular Mahindra Finance FD comes with the two options/schemes to choose from namely non-cumulative scheme and cumulative scheme.  With the non-cumulative scheme you actually get regular interest paid out to you on an half yearly or quarterly basis.  While with the cumulative scheme even the interest component will be re-invested into your existing deposit and that interest portion too will start to earn additional rate of interest and hence you will get the interest as well as the principal at the end of the tenor.

Rating

This Mahindra Finance Fixed Deposit comes with an FAAA rating from CRISIL which means that it comes with high safety for your investment.

Interest Rates (effective yield in brackets)

Cumulative Scheme –

12 months – 9.50%

18 months – 10% (10.33%)

24 months – 10.25% (10.78%)

36 months – 10.50% (11.64%)

48 months – 10% (11.60%)

60 months – 10% (12.21%)

Non Cumulative Scheme –

Half Yearly Interest paid

12 months – 9.25%

24 months – 10%

36 months – 10.25%

48 or 60 months – 9.75%

Quarterly Interest

12 months – 9.15%

24 months – 9.90%

36 months – 10.15%

48 or 60 months – 9.65%

The senior citizens will enjoy an additional 0.25% p.a. interest rate from the above mentioned regular interest rates for the 2 options available with Mahindra FD.

Since being a highly rated and comes with a good brand name (Mahindra) you can easily choose their Fixed Deposit if you are looking for the company deposit scheme which will help you earn a fixed income from the fixed interest rates.

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About Jaypee Infra

Jaypee Infratech is one of the leading infrastructure company in India and have been undertaking all major infra projects in India like the Yamuna Expressway, integrated townships, industrial townships, and gets revenue via road toll tax and real estate, etc.  The total market civilization of Jaypee Infratech Limited is Rs. 7444 crore with over 1.20 lakhs shareholders at fray.

Investment Details

The minimum investment that you can start with the Jaypee Infratech FD is Rs. 20,000 and in multiples of Rs. 1000 thereafter.  The maximum amount that you can invest via their cumulative option is Rs. 10 lakhs.  There are two schemes available with Jaypee Infratech Fixed Deposits namely non-cumulative deposits (Scheme A) and cumulative deposits (Scheme B).  The non-cumulative is where you get interest paid back to you on a quarterly basis but is compounded monthly while with the cumulative deposits you get your interest paid only at the end of the term.  The maximum terms available for investment with this Jaypee Fixed Deposit scheme is 36 months (3 years).

Non-cumulative deposits – Scheme A

• 12 months – 11.86%
• 24 months – 12.37%
• 36 months – 12.63%

Cumulative Deposits – Scheme B

• 6 months – 11.50%
• 12 months – 12.40%
• 24 months – 13.80%
• 36 months – 15.07%

If you are looking for a company fixed deposit scheme which helps you yield high interest but fixed income on your lump sum investment then you can try this Jaypee Infra Fixed Deposit Scheme.  To invest contact your investment manager or contact your nearest Bajaj Capital office or just visit Jaypee Infratech website.

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Minimum Investment

The minimum amount that you can deposit under these Jaiprakash Fixed Deposit Schemes are Rs. 20,000.  The maximum period that you can keep your investment with them is 3 years.  You can add more investments in multiples of Rs. 1000 and above.

Cumulative Deposits – Scheme A

• 6 months – 11.50%
• 1 year – 12.40%
• 2 years – 13.80%
• 3 years – 15.07%

The above mentioned interest rate on cumulative option is the effective yield you get at the end of the respective tenure that you have with the Jayaprakash FD Schemes.

Non-cumulative deposits – Scheme B

• 1 year – 11.86%
• 2 years – 12.37%
• 3 years – 12.63%

The interest rate mentioned above is for percentage per annum and the interest rate will be paid on a quarterly basis.

The post-date cheques will be issued by the Jayaprakash Associates for each financial year and at the end of the tenure for cumulative option.  You can also avail the electronic transfer option for payment of interest as well as the principal at the end.

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