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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 Singrauli

Singrauli's importance as an energy production centre in Madhya Pradesh establishes solid grounds for financial investment. A Fixed Deposit in Singrauli presents residents with a structured path to saving, joining stability with growth prospects. The FD in Singrauli delivers clear parameters that help investors plan with confidence. This detailed guide supplies essential information about fixed deposits, from prevailing interest rates to liquidity options, equipping you to select choices that address both current financial needs and long-term objectives in this power generation hub.

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 structure where interest generated isn't paid out periodically but instead incorporated with the principal amount. This compounding technique enhances the overall yield, as interest accrues on the growing principal. At conclusion, investors receive a complete sum containing both the initial investment and accumulated interest. Cumulative FDs are suitable for those seeking long-term growth without requiring regular income, utilising compounding to maximise returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest at predetermined intervals, creating a regular income flow. It's perfectly suited for individuals needing periodic disbursements. Interest calculations use simple interest methodology and can be distributed monthly, quarterly, or annually. This option offers consistent returns and improved liquidity compared to cumulative FDs, making it appropriate for addressing 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

Planning your financial future with fixed deposits in Singrauli? Learn about these essential 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 Singrauli

The FD rates in Singrauli display considerable diversity among various banking institutions. Investors should methodically evaluate alternatives to enhance their earnings. Key aspects affecting interest yields include the chosen time period and the individual financial establishment 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 Singrauli

To open a fixed deposit in Singrauli, potential investors need to comply with defined eligibility parameters. The following types of investors qualify for creating fixed deposits with Shriram Finance in Singrauli.

    • 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 Singrauli

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Creating a fixed deposit account in Singrauli is achievable through Shriram Finance's web services or by scheduling a visit to any Singrauli branch to submit your application personally. Make sure all essential documentation is ready for efficient processing. The typical online FD registration procedure in Singrauli usually consists of these sequential 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 Singrauli?

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

Shriram Finance has established FD branches in Singrauli to fulfil your fixed deposit requirements. These thoughtfully located facilities feature proficient financial consultants who offer customised recommendations on how to open fixed deposit or maintain current Unnati Fixed Deposit Scheme arrangements. Find below the list of Shriram Finance branches in Singrauli

Singrauli

  • First Floor, Ward No. 08, Mohinder Kaur Shopping Complex, Above HDFC Bank, Circuit House Road, Sidhi SINGRAULI R.S.,MADHYA PRADESH Pincode: 486889 Phone:18001034959

Tendukheda

  • First Floor, H. No. 1310, Sardar Wallabh Bhai Patel, Ward No. 13, Zone 1 Highway Road, Near MLA Banglow NARSINGHPUR,MADHYA PRADESH Pincode: 487337 Phone:18001034959

Narsinghpur - Jabalpur

  • NH-26B, Balapurkar Ward, Old Bijli Office, Kandeli NARSINGHPUR,MADHYA PRADESH Pincode: 487001 Phone:18001034959
View All Branches

Shriram FD Customer Care in Singrauli

If you seek information or assistance related to your fixed deposit account, our Fixed Deposit Customer Care representatives are equipped to help. Dial our team for immediate guidance concerning your investments. Our customer care contact numbers are readily available whenever support is needed.

Toll Free

Shriram FD Status in Singrauli

For assessing your Shriram Fixed Deposit status in Singrauli, navigate our straightforward digital services or reach out to our helpful customer care team. Monitoring your FD status regularly allows you to stay updated on upcoming maturity timelines and growing interest returns.

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Fixed Deposit FAQs

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

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

The interest rate on FD in Singrauli 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 Singrauli?

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

Yes, investors can withdraw their fixed deposit ahead of maturity in Singrauli; however, this facility generally involves certain penalties or interest rate adjustments. We recommend examining the specific terms thoroughly before proceeding.

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

Yes, you can create a fixed deposit account under a minor's name in Singrauli through Shriram Fixed Deposit with proper guardian authorisation furnished.

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

Yes, closing a fixed deposit before its scheduled maturity typically incurs a penalty. This commonly appears as a reduction in the applicable interest rate on your deposit.

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

Yes, updating the nominee for your FD account in Singrauli is possible. This process usually requires submitting a designated form along with valid identification documents of your newly chosen nominee.

Can I open multiple Fixed Deposits in Singrauli?

Yes, you have the option to establish multiple fixed deposits in Singrauli across various financial institutions or within a single banking entity.

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

Typically, no upper investment limit exists; however, specific financial institutions might implement certain schemes with defined maximum thresholds.

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

Yes, establishing a fixed deposit using a joint account in Singrauli is allowed, provided you comply with the financial institution's specific requirements and conditions.

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

Yes, numerous financial organisations provide advantageous fixed deposit interest rates for senior citizens compared to regular deposits. Particularly, Shriram Finance offers 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 Singrauli?

Shriram Finance provides a preferential interest rate that is 0.50%* p.a. additional for senior citizens over regular depositors.

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

Yes, FD interest rates differ based on the selected tenure. Generally, longer commitment periods offer higher interest rates than shorter durations due to the extended financial commitment from the depositor.

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

To terminate a Shriram FD before maturity, you need to submit the original deposit receipt with a Rs.1 revenue stamp affixed, along with a formal request letter and a cancelled cheque. According to RBI guidelines, deposits cannot be closed before three months from the deposit/renewal date except when the depositor is deceased.

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.