Kerala TDFC Ltd.

Kerala Transport Development Finance Co. Ltd. Fixed Deposit interest rate up to 10.17% p.a.

kerala transport development finance corporation Kerala TDFC Ltd.

Company Profile

KTDFC is a Non-Banking Financial Company fully owned by the Government of Kerala and having a valid certificate of Registration issued by Reserve Bank of India under section 45-IA of the RBI Act, 1934. KTDFC accepts deposits from the public and the deposits are guaranteed by the Government of Kerala, which ensures 100% security and extra earnings.KTDFC offers various loan products to suit the needs of every customers with low diminishing EMI rates, hassle-free procedures and premature closure options ensuring more savings to its customers. KTDFC has launched Bus Terminal Complexes at Angamaly, Kozhikode in KSRTC Depots and a series of BOT Projects at Thiruvananthapuram (Thampanoor), Malappuram, Thiruvalla are under progress.Renovation of Tagore Theatre into a modern Cultural Complex, as a State of the art venue of Cultural and entertainment activities is under progress.


Who can apply / invest ?

HUF / Individual / Trust / Firms / Corporate / Senior Citizen / Minor .

General Terms & Conditions

1] PIPS Scheme – Interest is Paid Monthly or Quarterly.

2] MMS Scheme – Interest is compounded monthly and paid on Maturity.

3] Minimum amount of deposit is Rs. 10,000/- and in multiple of Rs. 1,000/- thereafter.

4] Interest payment will take place through ECS / NEFT / Interest Warrants.

5] Additional interest of 0.25% for Senior Citizen.

6] Trust Deposits will be eligible for tax exemption under Section 11 ( 5 )( ix ) of Income Tax Act ,1961.

7] KYC Norms (Pan card copy and Address Proof) are mandatory in case of new investor.

8] TDS as applicable will be deducted if interest income is more than Rs. 5,000, however no TDS will be deducted if a duly filled Form 15 G/H is submitted.

9] Fixed Deposit Receipt(FDR) will be dispatched directly to the depositor by registered post /courier service at the address provided in the application form within 08(eight) weeks or such extended period as may be decided by Company, from the date of DD/cheque realisation.

Important Information (Instructions)

Attach following document along with the application form :-

1] Self attested copy of PAN Card and address proof (all the applicants in case of joint application).

2] Signature of all applicants on the application form.

3] At par A/c Payee Cheque / DD (Payable at Thiruvananthapuram) should be drawn in favour of “Kerala Transport Development Finance Corporation Ltd “.

4] One cancelled cheque (for ECS).

5] Send your application form on our address.

6] The Acknowledgement copy will be sent by Email / Post.

7] Keep photocopy of application form for your record.

8] Free Home Service is available.*

For Renewal of Deposit

Send us below mentioned documents along with the Original FDR

1] Stick Rs. 1 Revenue stamp on the back side of fixed deposit receipt and across Signed by all depositors.

2] Signature of all applicants on the application form.

3] Self attested copy of PAN Card(all the applicants in case of joint application).

Interest Rates (%)

Kerla TDFC Fixed Deposit Cumulative Scheme

Interest (%)
Maturity Amount
Yield (%)
1 Year10,000/-08.50 %10,88408.84 %
2 Years10,000/-08.50 %11,84609.23 %
3 Years10,000/-08.50 %12,89309.64 %
4 Years10,000/-08.25 %13,89409.74 %
5 Years10,000/-08.25 %15,08510.17 %
1] The rate of interest applicable with effect from 25th January, 2016 is as follows:
2] Additional rate of 0.25% p.a. for Senior Citizen.
3] Under Periodic Interest Payment Scheme (PIPS), interest will be paid Monthly or Quarterly with MONTHLY RESTS, Under Money Multiplier Scheme (MMS), interest shall be COMPOUNDED MONTHLY and paid on maturity

Please take print of the Application Form on A4 paper size.

1 comment

  1. uma rajagopalan

    Please send details about your fixed deposit schemes i.e. non cumulatives for sr citizen and others. what is the age considered for sr. citizen

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