Lots of company deposits

Nowadays I can see lots of new company deposits out in the market.. the latest being iifl who is even advertising in the radio.

The radio talks about how this will add to the regular monthly income ... now how it can do that I am not sure..

Nowadays the regular bank fixed deposits are giving you around 10.5% on a two year deposit ... while iifl is giving around the 12.5%..
So the difference is around 2 .5% per Annum . Now on an investment of say 50,000 this will equate tothe 1100 rs in one year which means around 90 rs per month additional income.
This is pre tax... post tax this can be around the rs 60 per month..

Now this definitely should not be advertised as higher monthly income... as the main unique selling point ...

Bad advertising ....not right