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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 Seoni

A Fixed Deposit in Seoni provides residents with a steady approach to saving, balancing reliability with growth opportunities. FD in Seoni features transparent frameworks that allow investors to proceed with confidence. This guide delivers fundamental information about fixed deposits, covering everything from current interest rates to maturity options, equipping you to make informed decisions that support both immediate financial requirements and future aspirations in this evolving region.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit operates on the principle of interest reinvestment rather than payout. This mechanism establishes a powerful compounding dynamic where your capital expands more efficiently, earning returns on your initial deposit plus previously generated interest. At term completion, you collect the entire amount encompassing your principal investment alongside all accumulated earnings. This strategy proves most effective for individuals targeting substantial long-term growth without needing interim income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates regular interest disbursements at predetermined intervals, establishing a dependable income source. These payments, calculated via simple interest formulas, can be arranged monthly, quarterly, or annually according to your requirements. This configuration ensures foreseeable returns and superior liquidity compared to cumulative options, particularly benefiting those needing to fund 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

Identifying the main features and benefits of fixed deposits is essential for making well-informed investment choices. The fundamental characteristics of FD consist of

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 Seoni

FD rates in Seoni reveal important differences across banks and NBFCs. Thoughtful investors regularly examine several alternatives before placing their savings. Your returns commonly vary based on factors including your preferred investment duration and the specific financial organisation holding your deposit. 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Seoni

For starting a Shriram Finance fixed deposit in Seoni, applicants need to satisfy certain eligibility requirements. The categories of investors who can open fixed deposits in Seoni include.

    • 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 Seoni

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Setting up a fixed deposit is straightforward using online options or by physically going to a Seoni branch to lodge your application. Collect all essential ID and address verification papers ahead of time for an efficient enrolment journey. Usually, these step-by-step actions permit you to establish an FD 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 Seoni?

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

Shriram Finance operates thoughtfully situated FD branches in Seoni to serve your fixed deposit requirements. These client-focused centres have experienced financial professionals who provide personalised advice on how to open fixed deposit accounts or oversee existing Unnati Fixed Deposit Scheme portfolios. Below is the roster of Shriram Finance branches in Seoni

Seoni - I

  • In Front of SBI , Bahubali Chowk SEONI,MADHYA PRADESH Pincode: 480661 Phone:18001034959

Lakhnadon

  • 1st Floor, Ward No 5, Petrol Pump Chouraha, Lakhnadon SEONI,MADHYA PRADESH Pincode: 480886 Phone:18001036369

Seoni

  • 1st Floor, Ward No. 2, Maharani Laxmi Bai Ward, Jyarat Naka, Jabalpur Road SEONI,MADHYA PRADESH Pincode: 480661 Phone:18001034959
View All Branches

Shriram FD Customer Care in Seoni

Should concerns emerge or you seek more understanding about your fixed deposit account, our dedicated Fixed Deposit Customer Care specialists in Seoni are available to deliver complete explanations. Utilize our telephone line for quick help with your investments. Our full customer service contact information is readily available at any time.

Toll Free

Shriram FD Status in Seoni

For reviewing your Shriram Fixed Deposit status in Seoni, visit our complete digital portal or connect with our dedicated customer service representatives. Frequent verification of your FD status enables you to stay aware of nearing maturity periods and interest additions.

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 Seoni?

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

The interest rate on FD in Seoni 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 Seoni?

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

Yes, early withdrawal from a fixed deposit is permitted in Seoni, although it typically results in certain penalties or reduced interest benefits. Customers are advised to verify the specific terms before initiating withdrawal.

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

Yes, you can open a fixed deposit account for a minor in Seoni with guardian oversight through Shriram Fixed Deposit services.

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

Yes, withdrawing from a fixed deposit before maturity generally incurs a penalty, which usually takes the form of a lower interest rate applied to the deposit amount.

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

Yes, updating the nominee for your FD account in Seoni is possible. This typically requires submitting a formal request with proper identification documents for the new nominee.

Can I open multiple Fixed Deposits in Seoni?

Yes, you have the flexibility to maintain several fixed deposits in Seoni with different financial institutions or within the same banking organisation.

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

In general, there is no upper investment limit, though specific financial institutions may impose maximum thresholds for particular deposit schemes.

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

Yes, establishing a fixed deposit through a joint account in Seoni is possible, provided you adhere to the financial institution's terms and conditions.

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

Yes, many financial organisations offer enhanced fixed deposit plans for senior citizens in Seoni. Specifically, Shriram Finance provides an additional 0.50%* p.a. interest rate for senior citizen depositors.

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

At Shriram Finance, senior citizens enjoy a preferential interest rate that is 0.50%* p.a. higher than the standard rate offered to regular depositors.

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

Yes, interest rates for fixed deposits vary based on the investment period. Typically, longer commitment durations offer more attractive interest rates compared to shorter terms due to the extended investment period.

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

To prematurely terminate a Shriram FD in Seoni, you need to submit the original deposit certificate with a Rs.1 revenue stamp, accompanied by a written request and a cancelled cheque. According to RBI guidelines, deposits cannot be closed before completing three months from the date of deposit/renewal except in cases of depositor's demise.

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.