Company FD rates are still over 8%: Who should invest in a corporate fixed deposit, who should avoid?

Corporate FDs currently offer interest rates above 8%, making them attractive for investors seeking higher returns than bank FDs. They suit those comfortable with moderate risk, able to assess a company's credit rating, and seeking fixed, regular income. However, conservative investors, those prioritizing safety, or needing deposit insurance coverage should avoid corporate FDs, as they carry higher risk and are not protected by DICGC like bank FDs. Always check the issuer’s creditworthiness before investing.