Beats interest rates offered by banks very easily

The Interest rate on a KTDFC deposit can go as high as 10.50 per cent, if the deposit is above Rs 25 lakh. If the deposit is under Rs 25 lakh, the interest rate offered is 10.25 per cent for a one, two and three year deposit, while it falls to 10.00 per cent for a 4 and 5 year deposit. No bank (do not include cooperative banks) in the country offers these interest rates.

High in safety

Since company fixed deposits are unsecure deposit one has to be careful when investing. However, there is no cause for concern with the KTDFC Deposit, since the deposits are backed by the government of Kerala

Interest rate for senior citizens can go as high as 10.75%

There is an extra interest rate of 0.25 per cent for senior citizens, leaving them to earn an interest rate as high as 10.75 per cent.

Lock-in at high interest rates now

Interest rates may fall in the near future and by investing for a period of say three years at 10.50 per cent (deposit above Rs 25 lakhs) and at 10.25 per cent (for deposits below Rs 25 lakhs), you have hedged against falling interest rates.