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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 Ujjain

Ujjain offers diverse avenues for investment that can substantially improve your financial well-being. Among these, a Fixed Deposit in Ujjain is an appealing choice, known for its stability and potential for consistent returns. This guide aims to provide you with essential details about FD in Ujjain, covering the advantages, prevailing interest rates, and practical tips for choosing a fixed deposit scheme that aligns perfectly with your financial goals. By grasping these key elements, you can make informed choices to grow your savings and establish a robust financial foundation in this culturally rich city.

Types of Fixed Deposits

Different types of Fixed Deposits in Ujjain to meet your financial objectives.

interest rates

Cumulative Fixed Deposit

Cumulative FDs compound interest with your principal, maximising growth for long-term investors who don't need immediate income. This compounding effect increases the overall yield, as interest accrues on the growing principal. At maturity, the investor receives a lump sum comprising both the initial deposit and accumulated interest. Cumulative FDs are ideal for people who are looking for long-term growth without needing regular income and can leverage compounding to maximise returns.

achievement

Non-Cumulative Fixed Deposit

Non-Cumulative FDs offer regular interest payouts (monthly, quarterly, or annually) using simple interest calculations, providing steady income for recurring expenses. Interest is calculated using simple interest and can be paid monthly, quarterly, or annually. This option gives predictable and regular returns and better liquidity compared to cumulative FDs which makes it suitable for meeting recurring expenses.

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

Key features and advantages of fixed deposits worth considering when planning investments include:

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 Ujjain

Fixed deposit interest rates in Ujjain vary between financial institutions. Comparing offers is important to maximise earnings. Rate differences typically depend on deposit duration and the institution type. 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 Ujjain

Before opening a fixed deposit account, you must meet specific fixed deposit eligibility criteria in Ujjain. Fixed deposit qualification following requirements in Ujjain include specific eligibility categories.

    • 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 Ujjain

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can open a fixed deposit account online or visit a branch to complete the application process. Ensure you have all necessary documents ready for a smooth experience. Generally, the steps below are the process to invest in 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 Ujjain?

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

Shriram Finance maintains FD branches in Ujjain that can serve your fixed deposit needs. These branches are equipped with knowledgeable staff who provide guidance on initiating new fixed deposits or managing existing Unnati Fixed Deposit accounts. Branch locations throughout Ujjain are available for customer convenience.

Nagda

  • First Floor, House No. 165 Ward No. 18, Above Bank of Baroda, Mahidpur Road, Nagda UJJAIN,MADHYA PRADESH Pincode: 456335 Phone:18001034959

Ujjain

  • B 13/4, Mahakal Vanijya Kendra, VIP Road, Opposite Treasure Bazar, Nanakhera UJJAIN,MADHYA PRADESH Pincode: 456010 Phone:18001034959

Ujjain - I

  • No : 8, 2nd Floor, Ghatkarpar Marg, Freeganj UJJAIN,MADHYA PRADESH Pincode: 456010 Phone:18001034959
View All Branches

Shriram FD Customer Care in Ujjain

Need help with your fixed deposit account? Our dedicated FD Customer Support team is ready to assist. You can reach out via phone for prompt support regarding your investments. Below are our customer care numbers.

Toll Free

Shriram FD Status in Ujjain

Check your Shriram Fixed Deposit status in Ujjain through our online platform or by contacting customer support. Regular monitoring helps you stay updated on maturity timelines and interest accumulation.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

The interest rate on FD in Ujjain 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 Ujjain?

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

Yes, premature withdrawal of a fixed deposit is allowed in Ujjain; however, it may incur penalties or reduced interest rates. It’s advisable to check the specific terms before proceeding.

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

Yes, you can open a fixed deposit account in the name of a minor with a guardian's consent with Shriram Fixed Deposit.

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

Yes, there is usually a penalty for premature withdrawal of a fixed deposit. This penalty often involves a reduction in interest rates applicable to the deposit.

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

Yes, you can change the nominee for your FD account in Ujjain. This process typically requires submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Ujjain?

Yes, you can open multiple fixed deposits in Ujjain across different financial institutions or within the same financial institution.

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

Generally, there is no upper limit; however, some financial institutions may have specific schemes with defined limits.

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

Yes, you can open a fixed deposit account in a joint account in Ujjain subject to the financial institution’s terms and conditions.

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

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 Ujjain?

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 Ujjain?

Yes, FD interest rates can differ based on tenure. Typically, longer tenures may offer higher interest rates compared to shorter ones due to the extended commitment from the depositor.

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

To close a Shriram FD prematurely, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to the direction of the RBI, a deposit receipt cannot be prematurely closed before three months from the date of deposit/renewal except in case of death of the depositor.

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.