Dewan Housing Finance Corporation (DHFL) is offering 13 months FD with interest rate of 10.50%pa. DHFL’s FD is rated by CRISIL as AA+. Corporate FDs are unsecured and, hence, savers should invest only a small portion of their savings. It is better to stick to CRISIL FAAA rated corporate FDs to minimise the chances of making a loss rather than chasing 0.25% to 1% higher returns with lower-rated FDs. There are cases of savers having had a difficult time to get back the FD maturity amount.
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