a) Government Company FD Schemes with IT Benefit u/s.80 C
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| Company Name | Rate of Interest | Addl. Interest for Senior Citizens | Rating | Lock-in period |
| NHB Suvriddhi | 9.25% | 0.60% | CRISIL "FAAA" | 5 years |
| HUDCO | 9.00% | 0.25% | "CARE AA+(FD)" | 5 years |
b) Quality Companies Offering Attractive Return :
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| Company Name |
Period
(in months)
| Rate of Interest (%) | Addl. Interest for Senior Citizens (%) | Minimum Amount |
| DHFL Aashray Deposit Plus | 40 | 10.75 | 0.50 | 10000 |
| Elder Pharmaceuticals Ltd | 36 | 11.50 | 0.50 | 25000 |
| HDFC Ltd - Platinum Deposits | 33 | 9.40 | 0.25 | 20000 |
| Mahindra Finance - Samruddhi | 36 | 10.25 | 0.25 | 10000 |
| Shriram Transport - Unnati | 36 | 10.75 | 0.25 | 25000 |
| Sudarshan Chemical Industries Ltd | 36 | 11.00 | 0.25 | 25000 |
| United Spirits Ltd | 24 | 11.50 | - | 25000 |
Invest before interest rate comes down.
Invest for a longer tenure and lock the money when interest rates are attractive.
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