Jaiprakash Associates

The non-cumulative fixed deposit of Jaiprakash Associates is offering an interest rate of 12 per cent per annum. The yield for a 3-year deposit works to 12.63 per cent over 36 months. This is at least 3 per cent higher then bank deposits. The company is renowned, but has huge debts on its books.

Surya Roshni

The three year fixed deposit of Surya Roshni offers an interest rate of 12 per cent per annum. The company is a relatively old company and profits have been stable. The rate of interest is certainly attractive for a three-year period.

Dewan Housing

Dewan Housing is offering an interest rate of 10.50 per cent, which is not as high as that offered by Surya Roshni and Jaiprakash Associates, but much higher then banks. The company is a listed company and is a very old housing finance company.

Plethico Pharmaceuticals

A 3-year deposit at Plethico fetches an interest rate of 12 per cent per annum. Senior citizens are entitled to an extra 0.50 per cent interest. Plethico is a good pharma company with a strong presence in the export market.

Omnitech

The Omnitech fixed deposits offer an interest rate of 12.5 per cent for 36-months. The company is a profit making company and earned a net profit of Rs 38.89 crores for the year ending March 31, 2012.