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Invest in Shriram Unnati Fixed Deposit Maximise your returns & earn up to 8.15%* p.a.

(Inclusive of 0.50%* p.a. for senior citizens & 0.05%* p.a. for women depositors)

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Fixed Deposit in Bhopal

Making wise financial decisions starts with choosing the right savings option. In Bhopal, many individuals prefer fixed deposits to build their savings steadily over time. It offers predictability and helps align short-term or long-term financial goals with planned returns. This guide will help you understand how to open a Fixed Deposit in Bhopal with Shriram Finance. A Shriram Fixed Deposit allows you to select your preferred investment tenure, deposit amount, and interest payout frequency, depending on your financial priorities. Whether you are planning for future expenses or aiming to organise your finances more efficiently, an FD in Bhopal could be a practical step. Continue reading to explore the benefits, process, and considerations involved in starting your fixed deposit journey.

Types of Fixed Deposits

Shriram Finance in Bhopal offers fixed deposit options designed to match different saving preferences.

interest rates

Cumulative Fixed Deposit

In this option, the interest is added to the main deposit instead of being paid out regularly. The amount grows over time through compounding. At maturity, you receive both the deposit and the interest. This suits an individual planning to save for the long term without needing regular payouts.

achievement

Non-Cumulative Fixed Deposit

This option pays interest at regular intervals—monthly, quarterly, or yearly—depending on what you choose. It offers a consistent income that can support regular spending. The interest is calculated using a straightforward method and is paid on time. Select the option that best matches your financial requirements and savings habits.

retirement

FD for Senior Citizens

This FD type provides an additional 0.50%* p.a. interest rate for senior citizens.

Life assured income

Fixed Deposit for Women

Women depositors receive an extra 0.05%* p.a. interest rate.

cash

Fixed Deposit for NRI

Non-Resident Indians can invest in FDs through offline channels in India.

coin

FD for Monthly Income

This option allows for regular monthly interest payouts.

Our fixed deposits can also help with various life milestones:

  • FD for Retirement Fund
  • FD for Wedding Expenses
  • Fixed Deposit for Children
  • FD for Home Expenses

The FD interest rate of 8.15%* p.a., inclusive of 0.50%* p.a. for Senior Citizens and 0.05%* p.a. for Women Depositors. Investors can choose between cumulative and non-cumulative options for their Shriram FDs. A Cumulative Fixed Deposit allows interest to accumulate on the principal amount, while Non-Cumulative Fixed Deposit pays out interest at regular intervals.

Shriram Fixed Deposit Features and Benefits

To make better saving choices in Bhopal, it is important to know the features and advantages of fixed deposits. Understanding these details will help you compare different options. Some of the main benefits of fixed deposits are shared below to guide your financial decisions.

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
Static Alt Text
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors
Predictable Return
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
Cumulative
Low minimum investment amountLow minimum investment amount
Low Investment
Compounding benefitsCompounding benefits

Shriram Fixed Deposit Interest Rates in Bhopal

FD rates in Bhopal differ based on the financial institution and the investment duration. Each provider offers varying interest rates, so checking and comparing these can be helpful. Whether you need regular interest payouts or prefer the amount to grow over time, choosing a fixed deposit that fits your savings plan can support better financial planning and decisions. Always align your deposit choice with your financial needs for more effective money management. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. Get interest rate of up to 8.15%* p.a. inclusive of 0.50%* p.a. for Women Depositors with Shriram FD.

Shriram Unnati Fixed Deposit Interest Rate for Cumulative Fixed Deposit Scheme below 10 Cr (w.e.f 5th August 2025)

Shriram Finance continues to offer a reliable investment option through its Unnati Fixed Deposit Scheme, tailored to meet the diverse needs of investors. As of (w.e.f 5th August 2025), the FD interest rates for the Cumulative Fixed Deposit Scheme have been revised, ensuring competitive returns on your investment. This FD scheme is designed to help investors grow their savings steadily over time, with the convenience of a single maturity payout that includes both principal and accrued interest. Whether you are a conservative investor seeking stability or looking to enhance your financial portfolio - explore the latest FD interest rates and see how Shriram Unnati FD can work for your financial aspirations.

Period (Months)At Maturity % p.a
127.00
(Digital Only)157.25
18- 237.15
24- 357.25
36-607.60

Shriram Unnati Fixed Deposit Interest Rate for Non-Cumulative Fixed Deposit Scheme below 10 Cr (w.e.f 5th August 2025)

The Shriram Unnati Fixed Deposit Scheme continues to be a preferred investment option for those seeking consistent income through reliable interest payouts. With effect from (w.e.f 5th August 2025), Shriram Finance has updated the FD interest rates for its Non-Cumulative Deposit Scheme, offering investors enhanced returns across various tenures. This FD scheme is particularly beneficial for those looking for periodic interest payouts, providing the flexibility to receive returns on a monthly, quarterly, or half-yearly basis, thus catering to a wide range of financial needs and goals.

Period (Months)Monthly % p.a.Quarterly % p.a.Half-Yearly % p.a.Yearly % p.a.
126.796.826.887.00
(Digital Only)157.027.067.127.25
18 - 236.936.977.037.15
24 - 357.027.067.127.25
36 - 607.357.397.467.60
Additional Benefits
  • Senior Citizens(Individuals over the age of 60 years) An additional interest of 0.50%* p.a.
  • Women DepositorAn additional interest of 0.05%* p.a. exclusive for women depositors
  • FD RenewalAdditional interest of 0.15%* p.a. will be paid on all renewals, where the deposit is matured.

Fixed Deposit Returns Calculator

STEP 01

I am a Senior Citizen

STEP 02

I am a Woman

STEP 03

Investment amount

₹

STEP 04

Tenure up to

months

Min 12 months

Max 60 months

STEP 05

Interest payout term

  • On Maturity
  • Monthly
  • Quarterly
  • Half-Yearly
  • Yearly

Investment Summary

Interest Rate %

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Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Bhopal

Before you open a fixed deposit in Bhopal, some eligibility conditions must be met. Generally, the following criteria are required to start a fixed deposit with most financial providers in the city.

  • IndividualEligibility
    • Partnership Firm
    • Companies
    • Indian Residents
    • Non-Resident Indians (NRIs)
    • Hindu Undivided Family
    • Trust and Foundation
    • Unincorporated Association or Body of Individual

How to Invest in Fixed Deposit with Shriram in Bhopal

Shriram Finance offers the Shriram Unnati Fixed Deposit in Bhopal, which can be opened either online or by visiting a branch. This fixed deposit comes with flexible durations and suitable interest rates. It is helpful to keep your documents ready for a smooth experience. The steps below explain how to start a Shriram Unnati Fixed Deposit through the online process.

How To Apply

  • Step 1 :

    Register using your mobile number.

  • Step 2 :

    Enter the investment amount, tenure and PAN.

  • Step 3 :

    Complete your KYC, share depositor details & any other declaration.

  • Step 4 :

    Verify the Bank Details. Then, add your nominee details and complete the payment online

  • Step 5 :

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Bhopal?

Before your fixed deposit matures, you can renew your Shriram FD in Bhopal to continue enjoying its benefits. You can complete the renewal process online through the website or mobile app or by visiting a branch. Below are the general steps to renew your fixed deposit online.

Flex tenure
Step 1 : Sign in to your account.
Attractive Interest
Step 2 : Select the FD investment you wish to renew.
Account save
Step 3 : Verify all the information, such as the FD account number, interest rate, maturity date and bank details.
Fd Amount
Step 4 : Review and confirm the terms of the renewed FD investment and confirm the renewal.
Review
Step 5 : Once the renewal process is complete, a confirmation of the FD renewal will be sent to you.

Shriram Fixed Deposit Branches in Bhopal

You can visit FD branches in Bhopal offered by Shriram Finance to manage or open fixed deposits. These branches are staffed with trained professionals who guide you through account opening, renewals, and other queries. Visiting a branch can help you choose a fixed deposit that matches your financial requirements.

Bhopal Regional Office

  • 2nd Floor, Shreeram Tower, Plot No.Z-7 Near Miracle, Hospital M.P. Nagar Zone-I, Ward No.44 BHOPAL,MADHYA PRADESH Pincode: 462011 Phone:18001036369

Bhopal - I

  • Shop No. 02, Ward No. 66, Shiv Nagar, Near State Bank of India, Berasia Road, Karond BHOPAL,MADHYA PRADESH Pincode: 462038 Phone:18001036369

Bhopal - II

  • Plot No.48, Second Floor, Zone -II , M.P. Nagar BHOPAL,MADHYA PRADESH Pincode: 462011 Phone:18001036369
View All Branches

Shriram FD Customer Care in Bhopal

If you are in Bhopal and need help with your fixed deposit account, you can reach out to our Fixed Deposit Customer Care team. They are available to assist with any queries. The contact numbers for customer care are given below for easy reference.

Toll Free

Shriram FD Status in Bhopal

To keep track of your Fixed deposit in Bhopal, you can use the online portal or get in touch with customer care. These options help you check your interest earnings and maturity details, giving you more clarity and making it easier to manage and review your deposit when needed.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai
Fixed deposit in pune
Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

What is the minimum deposit amount for a Fixed Deposit in Bhopal?

The minimum deposit amount for a fixed deposit in Bhopal for Shriram FD is Rs.5,000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Bhopal?

The interest rate on FD in Bhopal is 8.15%* p.a.(T&C), inclusive of 0.50%* p.a. for Senior Citizens and 0.05%* p.a. for Women Depositors.

Can I open a Fixed Deposit account online in Bhopal?

Yes, you can open a FD account online with Shriram Finance in Bhopal. The process is quick and convenient, involving these steps: 1. Register using your mobile number 2. Choose the investment amount, tenure, and payout option 3. Enter PAN details and complete your KYC 4. Share depositor details and any required declarations 5. Complete the payment online 6. Add nominee details Once these steps are completed, your FD is booked, and you can download your FD certificate

Is premature withdrawal of a Fixed Deposit allowed in Bhopal?

Yes, you can withdraw a fixed deposit before its maturity in Bhopal; however, this may involve a penalty, typically resulting in a reduced interest rate.

Can I open a Fixed Deposit in Bhopal in the name of a minor?

Yes, opening a fixed deposit account for a minor in Bhopal is possible with Shriram Finance, provided the guardian consents and submits the necessary documents.

Is there any penalty for premature withdrawal of a Fixed Deposit?

Yes, withdrawing a fixed deposit before maturity in Bhopal usually incurs a penalty, often leading to a lower interest rate on the deposit.

Can I change the nominee for my Fixed Deposit in Bhopal?

Yes, you can update the nominee for your FD in Bhopal by submitting a formal request along with valid identification for the new nominee.

Can I open multiple Fixed Deposits in Bhopal?

Yes, you are allowed to open multiple fixed deposits in Bhopal, either within the same financial institution or across different ones.

What is the maximum amount that can be invested in a Fixed Deposit in Bhopal?

Generally, there is no upper limit on the amount you can invest in a fixed deposit in Bhopal unless specified by particular schemes.

Can I open a Fixed Deposit in a joint account in Bhopal?

Yes, a fixed deposit can be opened jointly in Bhopal, subject to the terms and conditions of the financial institution.

Are there any fixed deposit schemes for senior citizens in Bhopal?

Yes, many financial institutions offer additional fixed deposit interest rates for senior citizens compared to regular deposits. For instance, Shriram Finance offers additional interest rate of 0.50%* p.a. for senior citizens.

What is the difference between FD interest rates for regular and senior citizens in Bhopal?

Shriram Finance offers an additional 0.50%* p.a. interest rate for senior citizens compared to regular depositors.

Is there a difference between FD interest rates for different tenures in Bhopal?

Yes, in Bhopal, fixed deposit interest rates may vary based on the chosen tenure, with different durations attracting different rates.

What is the process to close a Fixed Deposit prematurely in Bhopal?

To close your Shriram Fixed Deposit early in Bhopal, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI guidelines, premature closure within three months is not permitted unless due to the depositor's death.

Disclaimer

With regards to deposit taking activity of Shriram Finance Limited (’SFL’), Viewers may refer to detailed information and T&C provided in our application form available at FD form download

The Company is having a valid Certificate of Registration dated 31st January 2023 issued by the Bank under section 45-IA of the RBI Act. Rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. However, the Reserve Bank of India does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.