Download Shriram One app
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)

T&C Apply

  • Yes
  • No
stickyTab

Fixed Deposit In Ratlam

Ratlam, a city with growing commercial activity and financial awareness, offers individuals practical ways to manage their savings. One of the preferred options is a Fixed Deposit in Ratlam, which allows you to invest a specific amount for a set period and earn interest at regular intervals or at maturity. This guide provides essential information to help you open an FD in Ratlam with Shriram Finance. It covers key aspects such as tenure selection, interest payout modes, and tips for choosing a plan that matches your savings goals. Whether you are looking to build a financial cushion or plan for a specific need, this guide will support you in making informed decisions.

Types of Fixed Deposits

Shriram Finance in Ratlam presents fixed deposit options tailored for various saving approaches.

interest rates

Cumulative Fixed Deposit

This deposit works by reinvesting your earned interest with your initial amount. You don’t receive interest during the period, but at maturity, the total sum is paid. The deposit value grows due to compounding. It is ideal if you want to save for future goals and do not need income from the deposit regularly.

achievement

Non-Cumulative Fixed Deposit

Here, the interest is paid out as per the schedule you select monthly, quarterly, or yearly. This ensures a steady income to meet everyday needs. The interest method is simple and payouts happen on time. Based on what suits your financial situation best, you can choose the suitable deposit. Both options help you plan better for savings or income.

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

To make good investment decisions in Ratlam, it helps to know the features and benefits of fixed deposits. Listed below are some key features and advantages of FD.

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

Shriram Fixed Deposit Interest Rates in Ratlam

FD rates in Ratlam can vary depending on the bank or financial organisation and the duration for which the deposit is made. It is important to compare these rates to understand which option suits your savings goals. Whether you are planning for regular interest payouts or looking to grow your funds gradually, selecting the right fixed deposit helps you align your investment with your financial needs and expectations. 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 Ratlam

To open a fixed deposit account in Ratlam, certain eligibility rules must be followed. The conditions listed below are commonly required when applying for a fixed deposit scheme

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

How to Invest in Fixed Deposit with Shriram in Ratlam

On maturity of your fixed deposit, you have the option to renew your Shriram FD in Ratlam to keep earning returns. This renewal can be completed online through the Shriram website or app. You may also visit a branch if required. The steps provided below will help you renew your 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 Ratlam?

When your fixed deposit matures, you have the option to renew your Shriram FD in Ratlam and continue enjoying its benefits. You can complete the renewal process online via the website or mobile app, or visit a branch for assistance. Below are the 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 Ratlam

Shriram Finance maintains FD branches in Ratlam to help customers handle fixed deposit transactions easily. Whether you want to open fixed deposits or review your Shriram Unnati Fixed Deposit, staff at these branches can guide you. They provide support with forms, interest rates, and tenures to help you make informed choices.

Jaora

  • Floor I, Opposite Oil Mill, Gour Plaza Chopati Road, Jaora RATLAM,MADHYA PRADESH Pincode 457226 Phone18001036369

Ratlam

  • 2nd Floor, Plot No. 102/103, Do Batti Chowraha, Freeganj Road, Above Nexa Showroom RATLAM,MADHYA PRADESH Pincode 457001 Phone18001034959

Ratlam - I

  • First Floor, House No. 13, Ward No. 32, Motilal Nehru Marg, Freegunj RATLAM,MADHYA PRADESH Pincode 457001 Phone18001034959
View All Branches

Shriram FD Customer Care in Ratlam

Our Fixed Deposit Customer Care service in Ratlam is available for any help you may need with your FD account. Contact us by phone for support or to get your queries answered. You’ll find the relevant customer care numbers below.

Toll Free

Shriram FD Status in Ratlam

For updates on your Fixed deposit in Ratlam, you can either use the available online services or connect with customer care. This keeps you informed about your account’s maturity and interest, offering support in making informed decisions related to your savings and long-term financial plans.

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 Ratlam?

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

What is the interest rate on Fixed Deposits in Ratlam?

The interest rate on FD in Ratlam 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 Ratlam?

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

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 Ratlam 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 Ratlam?

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

Can I open multiple Fixed Deposits in Ratlam?

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 Ratlam?

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 Ratlam?

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

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

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 Ratlam?

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 Ratlam?

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 Ratlam?

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.