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High Yield FDs

Invest in High Yield FDs from Top NBFC’s, Rated AA or Higher


 

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  • Earn upto 10% Pre-Tax IRR
  • RBI and SEBI Compliant Structure
AT A GLANCE
High Yield FDs
₹ 1 Cr+
Investments Enabled
100+
Investors
₹ 5,000
Minimum Investment
ABOUT HIGH YIELD FDs
What are High Yield FDs?

  • High Yield FDs provide an opportunity to earn better returns compared to traditional fixed deposits.

  • These fixed deposits are offered through trusted and reputed financial institutions that are carefully selected by Grip Invest.

  • Investors receive fixed, regular interest payments as per the terms of the FD

  • These FDs come with high credit ratings and are regulated by RBI, ensuring both safety and reliability for investors.

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High Yield FDs
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Bank FDs
Returns %
11-14%
8-9%
Rating
Investment Grade
Investment Grade
Diversification
High
High
Security Cover
Yes
Yes
Repayment
Based on Scheme
Based on Scheme

REASON AND BENEFITS

Why Invest in High Yield FDs?

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Fixed Returns

High-yield FDs offer interest rates higher than traditional bank fixed deposits, making them an appealing choice for investors seeking better returns on their capital while maintaining relatively low risk.

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Flexible Investment Options

High-yield FDs come with a variety of flexible tenure options for investors. You can choose from multiple tenures that suit your investment goals, whether you prefer short-term or long-term investments.

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Safety and Accessibility

The high-yield FDs available on Grip Invest are offered by some of the largest, highly-rated Non-Banking Financial Companies (NBFCs) and Small Finance Banks, ensuring a high level of safety for your investment.

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How to Invest?

It’s really simple with Grip

Find Your Deal
Investment Process
Visualize Returns
01.

Explore curated investment opportunities process

Find
your deal

Unique investment opportunities qualified through rigorous due diligence

02.

Complete KYC and investment process

Complete
KYC &
Investment

Seamless digital KYC, e-sign and payment experience

03.

Receive returns as per pre-determined schedule

Returns per
pre-decided
schedule

For fixed income products, receive monthly/ quarterly returns in your bank account

Partner Curation and Due Diligence
How do we evaluate High Yield FD investment opportunities?
  • Independent Credit Ratings: The issuer/s of Grip Invest’s high-yield FDs are rated by reputable credit rating agencies like CRISIL and ICRA, which evaluate the issuer’s financial health and creditworthiness. Ratings typically range from AAA to A, providing transparency into the safety and risk profile of each FD.
  • Choose between 12 to 50 months based on your financial goals.
  • Cumulative: Interest compounded monthly and paid at maturity. Non-cumulative: Monthly, quarterly, half-yearly, or annual interest payout options available.
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For your knowledge

Risks Involved

  • Credit Risk: High-yield FDs are offered by NBFCs and Small Finance Banks, which may carry higher credit risk compared to traditional banks. There is also liquidity risk, as these FDs often require a fixed tenure, making it difficult to access your funds before maturity without penalties.
  • Market and Inflation Risk: Changes in interest rates or inflation can affect the real returns of your FD. If inflation outpaces the interest rate or if market rates rise, the returns on your FD may become less attractive. Additionally, regulatory changes could impact the stability or returns of these institutions.
  • Investment Disclosure: The rating is not a recommendation to purchase, hold or liquidate the FD or its suitability to a particular Investor. There is no assurance either that the rating will remain at the same level for any given period of time or that the rating will not be lowered or withdrawn entirely by the Rating Agency. In the event of deterioration in the financial health of the NBFC, there is a possibility that the Rating Agency may downgrade the rating given to the FD.

To help you

Frequently Asked Questions

Can I invest from outside India?

As long as you are not an NRI, and just geographically outside India and you wish to invest in an FD through us you can surely book an FD. Please note, you must have access to receive OTPs for general verification wherever required. For bank FDs there is geotracking that happens, so you might not be able to book the FD from outside India.
A payout account is the one where your fixed deposit investments will be credited on maturity. This is the account where you shall receive your money back.
If your payment has failed and the amount was deducted from your account it shall get refunded in the next 7 working days. If you are still interested in booking an FD you can place another request for the same.
Interest earned on fixed deposits (FDs) is taxable based on the individual's income tax slab. For FDs under 5 years, interest is taxed at the applicable slab rate. For FDs of 5 years or more, senior citizens enjoy tax-free interest, while non-senior citizens are taxed at their slab rate. TDS (Tax Deducted at Source) is deducted if interest exceeds Rs. 40,000 in a financial year, at a rate of 10%. Depositors can claim TDS credit when filing their income tax return.
To be eligible to submit Form 15G, you need to satisfy two conditions together: Your tax liability calculated on your total income should be nil. The total of the aggregate of your income for which Form 15G can be submitted should not exceed the basic exemption limit of Rs. 2.50 lacs
While TDS is deducted on FD interest, if your total tax liability exceeds Rs. 10,000, you're still liable to pay advance tax on the remaining tax liability.


 

OTHER OFFERINGS

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Grip Invest is a SEBI-regulated platform for high-yield, fixed-income investments like Corporate Bonds and SDIs. Our mission is to enable all Indians to invest in regulated, curated, diversified opportunities offering attractive, predictable returns.
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v. Advisory for investors - Clients/investors to abstain them from dealing in any schemes of unauthorised collective investments/portfolio management, indicative/ guaranteed/fixed returns / payments etc.
    
Attention Investors: 
1. Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 01, 2020.
2. Update your email id and mobile number with your stock broker / depository participant and receive OTP directly from the depository on your email id and/or mobile number to create a pledge. 
3. Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month. .......... Issued in the interest of Investors
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