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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 Vidisha

Vidisha's rich historical heritage and evolving economic landscape make it an ideal location for strategic financial planning. A Fixed Deposit in Vidisha offers residents a reliable pathway to wealth creation, balancing security with reasonable returns. The FD in Vidisha features transparent frameworks that allow investors to navigate their financial journey with certainty. This comprehensive guide delivers crucial information about fixed deposits, covering everything from current interest rates to liquidity options, enabling you to craft financial decisions that address immediate requirements while building toward long-term financial security in this culturally significant city.

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 reinvests interest earnings back into your principal instead of paying them out. This creates a compounding effect that accelerates growth, as you earn interest on both your original deposit and previously earned interest. At maturity, you receive everything at once, your initial investment plus all accumulated interest. This option is ideal for those focussed on long-term growth who don't need regular income from their savings.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit pays out interest at defined intervals, establishing a consistent income stream. Interest calculations use simple interest methodology and can be distributed monthly, quarterly, or yearly. This choice provides dependable returns and better access to your earnings 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

Gaining comprehensive knowledge about fixed deposit features and advantages is crucial for making smart investment choices. Here are the key aspects 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 Vidisha

FD rates in Vidisha show considerable differences throughout the banking industry. Prudent investors typically evaluate multiple choices before allocating their savings. The returns you earn are usually influenced by elements such as your selected tenure and the specific financial organisation handling your deposit.

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 Vidisha

Opening a fixed deposit account with Shriram Finance in Vidisha requires meeting particular eligibility standards. The categories qualified for FD investments in Vidisha 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 Vidisha

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Starting a fixed deposit investment can be accomplished digitally or through an in-person visit to a Vidisha branch to submit your application. Collect all required documentation beforehand for a smooth enrolment experience. Typically, these steps outline 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 Vidisha?

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

Shriram Finance maintains strategically located FD branches in Vidisha to address your fixed deposit requirements. These dedicated service centres are staffed with knowledgeable financial experts who provide customised assistance on how to open fixed deposit accounts or manage existing Unnati Fixed Deposit Scheme investments. Below is the list of Shriram Finance branches in Vidisha.

Vidisha

  • 1st Floor, Ward No.11, Sanchi Road, Near Shastri Nagar Gate, Sanchi Road VIDISHA,MADHYA PRADESH Pincode: 464001 Phone:18001034959

Vidisha - I

  • Plot No : 17 & 18, Gaurav Business Square, Sanchi Road VIDISHA,MADHYA PRADESH Pincode: 464001 Phone:18001034959

Kurwai

  • Ground Floor, House No. 115, Ward No. 04, Sironj Road, Kurwai VIDISHA,MADHYA PRADESH Pincode: 464224 Phone:18001036369
View All Branches

Shriram FD Customer Care in Vidisha

Should you have inquiries or require further explanation about your fixed deposit account, our dedicated Fixed Deposit Customer Care representatives in Vidisha are equipped to provide prompt resolutions. Reach out via phone for immediate guidance concerning your investments. Our customer support contact details are easily available for your convenience.

Toll Free

Shriram FD Status in Vidisha

For evaluating your Shriram Fixed Deposit status in Vidisha, access our streamlined online services or reach out to our dedicated customer support representatives. Periodic monitoring of your FD status helps you remain updated about upcoming maturity dates and interest earnings.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

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

The interest rate on FD in Vidisha 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 Vidisha?

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

Yes, premature withdrawal of a fixed deposit is permitted in Vidisha; however, this may result in penalty charges or diminished interest earnings. It's recommended to verify the specific conditions before initiating withdrawal.

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

Yes, you can establish a fixed deposit account for a minor in Vidisha with guardian authorisation through Shriram Fixed Deposit services.

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

Yes, penalties typically apply for premature withdrawal of fixed deposits. These penalties generally involve a reduction in the applicable interest rate on your deposit.

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

Yes, modifying the nominee for your FD account in Vidisha is possible. This typically requires submission of a formal request along with valid identification documentation for the new nominee.

Can I open multiple Fixed Deposits in Vidisha?

Yes, establishing several fixed deposits in Vidisha is permissible, whether across different financial institutions or within the same organisation.

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

Generally, no upper investment limit exists; however, individual financial institutions may implement specific maximum thresholds for certain deposit schemes.

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

Yes, creating a fixed deposit with a joint account in Vidisha is possible, subject to the specific terms and conditions of the financial institution you choose.

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

Yes, numerous financial institutions provide enhanced interest rates for senior citizens' fixed deposits compared to standard rates. For example, Shriram Finance extends 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 Vidisha?

Shriram Finance provides senior citizens with an extra 0.50%* p.a. interest rate compared to standard depositor rates in Vidisha.

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

Yes, interest rates vary according to deposit tenure. Typically, longer commitment periods may offer higher returns compared to shorter tenures due to the extended investment duration.

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

To prematurely close your Shriram FD in Vidisha, you need to provide the original deposit certificate with a Rs.1 revenue stamp affixed, a written closure request, and a cancelled cheque. As per RBI regulations, deposits cannot be closed before three months from the deposit/renewal date except in cases of depositor 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.