Here's a snapshot of the CRISIL scale for company FDs: When you're comparing different FDs in the market, choose an FD that has a rating of FAA or FAAA as this promises you that the issuer is credible and that you will receive your principal amount as well as your interest earnings on time and without fail. Even if you see an FD with a higher interest rate but with a low rating, be mindful of the fact that this FD may not be a good option for you in the long run. Thus, CRISIL's FD ratings allow you to compare various issuers' FD offerings with one quick look and help you choose the right FD easily and quickly. So, before investing in a company FD, check the CRISIL ratings. The higher the rating, the safer your investment is.