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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 Gwalior

Do your savings support your future goals, or are they just lying idle? In Gwalior, more individuals are choosing fixed deposits to add structure and purpose to their savings. It offers a straightforward way to set money aside and earn interest over a fixed period without needing to constantly monitor the market. This guide will help you understand how to open a Fixed Deposit in Gwalior with Shriram Finance. With a Shriram Fixed Deposit, you can select the deposit amount, tenure, and how you’d like to receive the interest whether monthly, quarterly, or at maturity. If you’re thinking of starting an FD in Gwalior, this guide will provide the key details to help you plan and take the next step confidently.

Types of Fixed Deposits

There are different fixed deposit options that align with varied financial plans

interest rates

Cumulative Fixed Deposit

A cumulative fixed deposit allows interest to be added to the principal instead of being paid periodically. This process enhances returns over time. At the end of the term, both the original deposit and earned interest are paid out together. It is best suited for long-term savings.

achievement

Non-Cumulative Fixed Deposit

This fixed deposit type offers regular interest payments, which may be monthly, quarterly, or annually. It helps generate a steady income, making it useful for people who rely on periodic payouts. The interest is calculated separately and not added to the principal.

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.

Also, our FDs can be used for various other financial goals

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

The FD interest rate is 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 a Non-Cumulative Fixed Deposit pay out interest at regular intervals (monthly, quarterly, half-yearly, or yearly).

Shriram Fixed Deposit Features and Benefits

Understanding fixed deposits is useful for those in Gwalior who want to manage their savings well. Learning about their main features and benefits can guide your financial decisions. The key points are mentioned below for your reference.

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

Shriram Fixed Deposit Interest Rates in Gwalior

FD rates in Gwalior differ based on the institution and investment term. Various providers offer different interest rates, so comparing them is useful. Whether you prefer regular income or long-term growth, choosing a fixed deposit that fits your goals aids in effective savings management and supports better financial decisions. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. GGet an interest rate of up to 8.15%* p.a. inclusive of 0.50%* p.a. for Senior Citizens and 0.05%* 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.

Note: Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit / renewal.

The above additional interest rates will be applied on the yearly rate, which will be factored correspondingly into the calculation of compounding interest rates for periods shorter than a year, including monthly, quarterly, and half-yearly rates.

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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Gwalior

When planning to open a fixed deposit in Gwalior, you need to follow certain eligibility steps. Usually, the criteria listed below are needed to begin a fixed deposit

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

How to Invest in Fixed Deposit with Shriram in Gwalior

Shriram Finance introduces Shriram Unnati Fixed Deposit in Gwalior, accessible through online platforms or branches. Flexible tenures and reasonable interest rates are part of the offering. Prepare your documents beforehand for an easier process. Below are the steps to invest in Shriram Unnati Fixed Deposit online.

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 Gwalior?

Upon the maturity of your deposit, you may choose to renew your Shriram FD in Gwalior and continue receiving fixed deposit returns. The renewal process is available online via the website or app or at a local branch. The steps below outline how 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 Gwalior

Shriram Finance provides customer support through FD branches in Gwalior, where managing or opening fixed deposits is straightforward. Trained staff assist with account opening, renewals, and other fixed deposit queries. Visiting a branch helps you understand the features of different deposit types before applying.

Gwalior - III

  • No104C, 1st Floor, Business Center, City Center GWALIOR,MADHYA PRADESH Pincode 474011 Phone18001036369

Bhitarwar

  • Ward No.3, Infront of Central Bank, Narwar Road, Bhitarwar GWALIOR,MADHYA PRADESH Pincode 475220 Phone18001036369

Gwalior - II

  • Ground Floor, Mateshwari A-19, Ward 21, Purshottam Vihar Colony, Near Gole Ka Mandir Airport Road GWALIOR,MADHYA PRADESH Pincode 474005 Phone18001036369
View All Branches

Shriram FD Customer Care in Gwalior

For any fixed deposit-related support, you can contact the Fixed Deposit Customer Care team in Gwalior. Their contact information is provided below to assist you with your FD account.

Toll Free

Shriram FD Status in Gwalior

For updates on your Fixed deposit in Gwalior, log into the online portal or contact customer care. These resources help you understand maturity details and interest earnings, making it easier to plan financially. Regular tracking of your deposit ensures convenience and better investment management.

Fixed Deposit in Major Cities in India

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

Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Gwalior for Shriram FD is Rs.5000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Gwalior?

The interest rate on FD in Gwalior 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 Gwalior?

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

Yes, premature withdrawal of a fixed deposit usually incurs a penalty, which typically involves a reduction in the applicable interest rate.

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

Yes, with Shriram Fixed Deposit, you can open a fixed deposit account for a minor as long as the guardian provides their consent.

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

Yes, premature withdrawal of a fixed deposit usually results in a penalty that reduces the applicable interest rate on the deposit.

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

Yes, you can update the nominee for your FD account in Gwalior by submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Gwalior?

Yes, opening multiple fixed deposits is permitted both within one financial institution and across several institutions.

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

There is usually no upper limit on fixed deposits unless specified under particular schemes offered by financial institutions.

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

Yes, you can open a fixed deposit account in a joint account in Gwalior subject to the financial institutions terms and conditions.

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

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 Gwalior?

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 Gwalior?

Yes, FD interest rates can vary depending on the tenure. Longer tenures generally provide different rates compared to shorter ones due to the duration of commitment.

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

To close a Shriram Fixed Deposit prematurely, you need to submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, premature closure is not permitted within three months of deposit/renewal unless it is 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.