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5 Reasons Why Women Should Invest in an FD Now

Posted: 27th December, 2022

Updated: 2nd February, 2023

Written by -


“Growing up, I dreamt of being economically independent because I always believed women should be so.”

- Sudha Murthy

Strong financial planning is the secret to a secure future. Fixed Deposits are an ideal choice for women from diverse walks of life. Whether you are looking for a new investment plan to expand your financial avenue or for an investment plan that helps you get an assured return, FD is the perfect option for you to invest in.

Saving is an art and women have always excelled at it. With women growing and shining in all walks of life, here we are with a list of reasons why women shouldn’t be missing out on FD, the hidden treasure in the world of financial investment. Read through to know more about the reasons why one must invest in this zero-risk investment plan.

Return on Assets

When it comes to investing in a fixed deposit, people tend to focus on returns on the assets. The market fluctuations have no impact on fixed deposits. Investing in a fixed deposit is better than saving up your funds in a bank account. By investing in a fixed deposit, you can save a lump sum and simultaneously relish the returns of your FD in the form of an interest sum.

Higher Interest Rates

As surreal as it can sound, fixed deposits are zero-risk investment instrument that provide higher interest rates in comparison to other investment options. The part about investing in an FD for women is that certain NBFCs and Banks offer a higher interest rate for women. By investing in a reputed financial institution like Shriram women can avail an additional 0.10%* p.a. interest benefit on top of the fixed deposit interest rate.

Credibility and High Stability

FDs are necessary for every female investor because of its secure nature, maximized returns, certainty and ease of online booking. Investing in an FD provides higher financial stability, owing to the assured returns and interest income. FDs are the most credible option for women seeking guaranteed return on their investments.

Hassle-free Revenue Liquidity

Investing in an FD can indeed be a pillar of financial support that one can rely in times of financial crisis. Woman can enjoy the benefits of getting a regular source of income from the interest based on the investment plan selected. One can also avail for loan against their FD plan without having to break their FD plan or savings. In the event of a financial emergency, they can opt for premature withdrawal of the FD subjected to a nominal penalty.

Financial Security

Fixed Deposit is the safe and secure way for women to start saving and investing. Several investment avenues are available to help you grow your savings. For instance, investing in an FD at an NBFC can help you gain more returns than other financial institutions, but they also come with certain risks. A great way to balance your funds without reducing your returns is to look for FD products that offer the highest FD interest rates and with good credit and safety ratings similar to "[ICRA]AA+ (Stable) by ICRA.

Get personalised FD Plans

The best part of making an FD investment is that you can customise your plan to meet your detailed financial needs. Calculating interest rates based on the tenure you intend to invest before making the investment is the best way to get higher interest rates. Use an online FD calculator to calculate interest quickly and easily.

Women can also choose the interest pay out tenure based on their financial commitments. Need a regular interest income? If you have a limited income and rely on investment interest amount to cover your monthly expenses, a non-cumulative fixed deposit is the best option. Make sure to choose a non-cumulative FD plan and avail interest income on a monthly, quarterly, half-yearly, or annual basis. In a cumulative fixed deposit, the principal and interest are compounded monthly. In the event of planning your FD plan for an attractive return, one can opt for a cumulative FD plan wherein the interest income is piled up till the maturity of the tenure and credited at the time of maturity of the FD plan.

Why is the Shriram FD the best option for Women Depositors?

  • Investing in Shriram provides women with an extra interest benefit of up to 0.10%* p.a.
  • Investors can open a fixed-term FD with a minimum deposit of Rs.5000.
  • If you choose a non-cumulative fixed deposit plan, you will receive monthly interest payments.
  • Get an extra 0.25%* p.a. interest benefit when you renew your fixed deposit.

Invest now and Enhance Your Financial Planning

“If not now, when? If not you, then who?” says Hillel.

A great time to invest in an FD is right now. Thanks to recent increase in repo rates by RBI, interest rates have increased. Rather than just saving up your hard-earned money in a savings account, it is better to invest it in a fixed deposit and let it grow. Shriram offers a smart FD investment plan for women.Invest Now in a Shriram FD and earn assured returns along with interest rates as high as 9.05%* p.a. inclusive of the 0.50%* p.a. for Senior Citizens and 0.10%* p.a. for Women Depositors.

Key Highlights

  • Fixed deposits are zero-risk investments that provide assured returns
  • Investing in Shriram Unnati Fixed Deposit can help you gain higher interest rates
  • It is necessary to do thorough research on the financial institution's reputation based on ratings provided by well-known credit rating agencies such as ICRA and India Ratings & Research.
  • Investing in an FD assures financial liquidity in times of crisis.


1. Which FD is the best for women?

Shriram offers one of the highest returns on FDs, with returns of up to 9.05%* p.a. which is inclusive of the 0.10%* p.a. additional interest benefit for Women Depositors and 0.50%* p.a. additional Senior Citizen benefit.

2. Why should women begin investing?

The right investments can help woman secure their financial future and the future of their loved ones, enabling to accomplish both short- and long-term goals, such as purchasing a car or a child’s education.

3. Why women can be good investors?

Women Depositors have an advantage over their male peers due to their disciplined approach and calmness. So, women can plan their finances, invest rightly and gain remarkable return on their investment.

4. Do Women Depositors get additional benefits?

By investing in the Shriram FD plan, women can get an additional 0.10%*p.a. interest benefit which can aid in increasing their interest rate compared to regular depositors.

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