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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 Guna

Guna's strategic location in Madhya Pradesh establishes favourable circumstances for financial planning. A Fixed Deposit in Guna presents residents with a methodical approach to savings—combining protection with growth potential. The FD in Guna provides transparent frameworks that assist investors in planning with certainty. This informative guide supplies essential knowledge about fixed deposits, from ongoing interest rates to flexibility options, enabling you to craft decisions that balance both immediate requirements and future financial goals.

Types of Fixed Deposits

Following are the diverse forms of FDs to support your financial ambitions

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit is an investment framework where interest earned isn't paid out periodically but rather reinvested with the principal amount. This compounding technique increases the overall yield, as interest grows on the expanding principal. Upon maturity, investors receive a comprehensive sum including both the original investment and accumulated interest. Cumulative FDs are appropriate for those seeking long-term wealth creation without requiring regular income, leveraging compounding to enhance returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at specified intervals, offering a consistent income stream. It's ideally suited for individuals requiring periodic disbursements. Interest calculations use simple interest methodology and can be issued monthly, quarterly, or annually. This choice delivers dependable yields and improved liquidity compared to cumulative FDs, making it suitable for managing recurring financial obligations.

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

Examining fixed deposit investment choices in Guna? Take note of these key features and benefits of FD

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 Guna

The FD rates in Guna exhibit important variations across the spectrum of banking organisations. Potential investors should methodically assess choices to maximise their investment gains. Key aspects determining interest returns include the preferred time horizon and the specific institution managing the deposit product 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 Guna

To open a fixed deposit in Guna, potential investors must meet particular eligibility criteria. These investor types are permitted to create fixed deposits with Shriram Finance in Guna

    • 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 Guna

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Establishing a fixed deposit account in Guna is achievable through Shriram Finance's web services or by arranging a visit to any Guna branch to submit your application in person. Be sure to prepare all required documentation beforehand for efficient processing. The standard online FD registration protocol in Guna generally adheres to these steps

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 Guna?

Before your fixed deposit matures, you can renew your Shriram FD in Guna 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 Guna

To accommodate your fixed deposit aspirations, Shriram Finance has established FD branches in Guna. These thoughtfully situated centres employ proficient financial consultants who deliver personalised recommendations on how to open fixed deposit or maintain active Unnati Fixed Deposit Scheme investments. Find below the details of Shriram Finance branches in Guna.

Guna - I

  • First Floor, Vandana Tower, Above Bank of Baroda, In front of Maruti Showroom, AB Road GUNA,MADHYA PRADESH Pincode: 473001 Phone:18001036369

Raghogarh

  • Ground Floor, Sada Colony, Near Axis Bank, Ward No. 14 Raghogarh GUNA,MADHYA PRADESH Pincode: 473226 Phone:18001034959

Guna Ashoknagar

  • Om Colony In Front Of City Kotwali, Near Petrol Pump ,Essa Garh Road ASHOKNAGAR,MADHYA PRADESH Pincode: 473331 Phone:18001036369
View All Branches

Shriram FD Customer Care in Guna

Should you have questions or require guidance about your fixed deposit account, our Fixed Deposit Customer Care advisors stand ready to assist. Dial our specialists for prompt support concerning your investments. Our customer care contact details are conveniently accessible when assistance is needed.

Toll Free

Shriram FD Status in Guna

To examine your Shriram Fixed Deposit status in Guna, navigate our intuitive digital services or reach out to our dedicated support personnel. Monitoring your FD status consistently allows you to stay updated on upcoming maturity periods and accumulated interest advantages.

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Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Guna 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 Guna?

The interest rate on FD in Guna 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 Guna?

Yes, you can open a FD account online with Shriram Finance in Guna. 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 Guna?

Yes, customers can access early withdrawal of their fixed deposit in Guna; however, this option typically involves certain penalties or interest reductions. We suggest reviewing the specific conditions carefully before making your decision.

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

Yes, establishing a fixed deposit account for a minor in Guna is available through Shriram Fixed Deposit when appropriate guardian consent is submitted.

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

Yes, terminating a fixed deposit prior to its maturity date generally results in a penalty. This usually takes the form of a reduced interest rate applied to your deposit amount.

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

Yes, modifying the nominee for your FD account in Guna is permitted. This process typically requires submitting a specified form along with valid identification information of your new nominee.

Can I open multiple Fixed Deposits in Guna?

Yes, you're allowed to create numerous fixed deposits in Guna across different financial institutions or within the same banking organisation.

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

In general, there isn't a maximum investment threshold; however, individual financial institutions may implement certain schemes with specific upper limits.

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

Yes, initiating a fixed deposit through a joint account in Guna is feasible, provided you adhere to the financial institution's particular terms and conditions.

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

Yes, many financial organisations extend preferential fixed deposit interest rates for senior citizens compared to standard deposits. Specifically, Shriram Finance provides an 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 Guna?

Shriram Finance offers a favourable interest rate that is 0.50%* p.a. higher for senior citizens than for regular depositors.

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

Yes, FD interest rates vary according to the chosen tenure. Generally, longer duration commitments attract higher interest rates compared to shorter periods due to the extended financial commitment from the depositor.

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

To prematurely close a Shriram FD, you need to submit the original deposit receipt with a Rs.1 revenue stamp affixed, accompanied by a formal request letter and a cancelled cheque. As per RBI guidelines, a deposit cannot be closed before three months from the deposit/renewal date except in cases of depositor 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.