Corporate fixed deposits: Use laddering strategy to tackle rate uncertainty
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar pointed out that corporate deposits carry no statutory insurance, suggested checking an issuer's interest coverage and debt levels, said retirees may avoid them, and suggested limiting them to a small part of fixed income.
More of Abhishek's views on saving and deposits
The article looks at corporate fixed deposits as issuers move rates in different directions. It covers credit risk, the lack of deposit insurance, credit ratings, spreading money across issuers, premature withdrawal rules and laddering maturities while the rate outlook is unclear, and who these deposits may or may not suit.
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Corporate fixed deposits: Use laddering strategy to tackle rate uncertainty