What makes a fixed deposit different from a recurring deposit

  • Recurring Deposit
  • 1 Years ago
  • Comments
Difference between fixed deposit and recurring deposit

All commercial banks provide a facility of depositing amounts into banks through various ways. These deposits are further utilised by the bank for further investment and to provide loans or used as liquid funds, depending on the nature of deposits. Following are the two types of deposit that are offered by commercials banks:

  1. Fixed Deposit Account
  2. Recurring Deposit Account

Both the deposit accounts have specific and defined features of working. The intent behind both the accounts of deposit is distinctive, and thus there are certain differences in their working.

The difference between Fixed Deposit and Recurring Deposit are mentioned as follows: 

  • Amount of investment required: The amount of investment required in case of a fixed deposit is lump sum (gross) amount, since it is like a one-time investment, with aggregate amount. In case of recurring deposit, the amount is invested in a recurring format, with a specific amount at specific intervals.
  • Minimum tenure: The minimum tenure in case of fixed deposit is around 7 days and in the case of a recurring deposit, it is around 6 months, since the idea behind such a deposit is to develop a saving habit and thus it is at least 6 months.
  • Return on investment (ROI): Since in case of fixed deposit investment is of high amount, Return on investment in case of a fixed deposit compared to a recurring deposit is high. On the other hand for recurring deposit, it is a recurring amount at an interval, resulting in the investment being low as compared to Fixed Deposit and thus, the ROI is accordingly low.
  • Target account holders: Fixed Deposit benefits account-holders who have heavy amounts, for example retired persons, whereas a recurring deposit grinds effectively for people who have low amounts to invest but require some returns; for example, homemakers, students, etc.
  • Intent of action: The intention behind a fixed deposit is to earn a return on their heavy amounts as invested. On the other hand, the intention behind a recurring deposit is to set some amount aside out of the total income in the form of savings and accrue some returns on savings.
  • Rate of interest on investment: The rate of interest differs for each commercial bank. However, the rate of interest in comparing fixed deposits and recurring deposits is around 3.5% to 5% and 5% to 8%, respectively.
  • Investment method: The investment method in case of a fixed deposit is generally through cheque, NEFT (National Electronic Fund Transfer), RTGS (Real time Gross Settlement). In case of a recurring deposit, it is mostly through ECS (Electronic Clearing System), cheque, or  NEFT.
  • Mid withdrawals: Mid withdrawal is generally allowed in case of a fixed deposit with a certain amount of penalty in cases as may be applicable. However, in case of a recurring deposit, mid withdrawals are generally restricted by most commercial banks, since withdrawal will defeat the intention of this deposit. It may also be allowed by certain Commercial Banks with some restrictions.
  • Taxability: The taxability in the case of both a fixed and recurring deposit is on the interest earned on such investment. But comparatively, the taxability on a fixed deposit is higher since the intention is purely to earn income from sources, and considering lump sum and heavy amount return will also be high, as compared to RD.
  • Defaulting factor: Since a fixed deposit investment is a one-time investment, there are low chances of default from the user. However, recurring deposit account holders generally may default. Thus, commercial banks have the right to cancel such recurring deposits if the account holder defaults on the investment for six consecutive intervals.
  • Maturity amount: Users of the Fixed Deposit account have the advantage to withdraw interest or have it credited to their account each month, in which case such an account-holder will receive Principal amount at Maturity. However, if the user does not withdraw such interest, the full amount (Interest + Principal) will be received at maturity. In case of a recurring deposit, since mid withdrawals are restricted, the RD account-holder receives (Interest + Principal) always.
  • Loan facility: The loan facility is generally available in both cases, up to a specific value of the investment amount. However, practically, taking a loan in case of a fixed deposit is easier than with a recurring deposit. This is because the amount of a recurring deposit is comparatively low, and the terms and conditions of commercial banks may or may not allow them to provide a loan facility, as the case may be.
  • Auto-renewal: Auto renewal refers to the facility wherein, after one period of investment is over, it automatically renews as invested for the next upcoming period. This facility is allowed for fixed deposits, whereas, for a recurring deposit, it is generally limited.
  • Minimum deposit: Depending upon the commercial bank, generally a minimum deposit restriction is placed on fixed deposits. Since the amount of investment for Fixed Deposit is lump sum or gross amount, while for Recurring Deposit comparative to Fixed Deposit it is much smaller as savings can be started with the smallest amount, thus minimum deposit is lower for RD than FD.
  • Tax saving benefit: Tax saving benefit schemes are available in the case of fixed deposit. However, very limited or no options are available for availing of tax saving benefit in case of recurring deposits.
  • Frequency of investment: The frequency of investment in case of a recurring deposit generally is monthly or quarterly. In case of fixed deposits, it is a one-time investment.  Since FD has a large amount, it gets fixed as a one-time investment thus it is not as frequent as Recurring Deposit.
  • Separate passbook record: There is a specific record maintained by the bank in case of recurring deposits to keep track of the investment frequency and amount from account-holders. However, there is no specific passbook record maintained for a fixed deposit; since it is a one-time amount, no such tracking is required.
  • Certificate issuance: The bank issues a fixed deposit certificate as a receipt to the account-holder and as proof stating the amount invested. This mentions details of rate of interest, period, interest amount, and investment amount. On the other hand, very rarely is such a certificate issued for a recurring deposit. Typically, such details are mentioned in the passbook or any statement, if issued.
  • Bank statement record: In case of a recurring deposit, commercial banks also provide facility of issuing bank statements to the recurring deposit holder to oversee details of running the recurring deposit. In case of a fixed deposit, since the certificate mentions all the details, no such bank statement is required for deposit-holders.
  • Earning opportunity: The earning opportunity in case of fixed deposit is fair but it requires a heavy amount to be invested. Generally, with respect to FD v/s RD, investment is low in RD thus the earning opportunity is not so evident.
  • Customised schemes: Many commercial banks provide customised  schemes in case of recurring deposits, such as Bal Vikas Deposit Scheme, Yuva Bachat Plans, Senior Citizen Bachat Yojana, and many other named schemes that offer greater benefit in case of recurring deposits. Fixed deposits also have such schemes, but generally have higher rate interest advantages than any other benefit.
  • Lock-in period: Fixed deposits, in the case of many commercial banks, have lock-in-period restrictions on withdrawals. A lock-in period mostly consists of 5 years, 10 years. In case of Recurring Deposit, mid withdrawal is restricted thus no question arises for lock-in-period, the scheme itself locks the amount in RD until maturity. 
  • Investment marketability: Since the amount as invested by the Fixed Deposit holder are heavy amounts and with lock-in period these amounts are easy to invest in long-term investment plans by the commercial banks, In case of Recurring Deposit account holders, the amounts are small, thus these are generally used as liquid funds by the commercial banks.

Thus, based on preferences and benefits one should choose their applicable deposit in a more effective and efficient way. Each deposit has its specific features, which make it unique. If one requires to save more and earn, he/she requires to choose RD, if one has a good amount to invest in and is ready to wait for a specific period he/she should invest in FD.

Thus, one should choose their preferred deposit based on the above mentioned merits and limitations.

TRENDING ARTICLES

Can We Transfer Gold loan from One Lender to Other

  • May 23 2022
  • |
  • Gold Loan

Bike vs Car Loan: Which one to choose?

  • May 23 2022
  • |
  • Loans

Gold Loan Vs Credit Card

  • May 23 2022
  • |
  • Gold Loan

Are Loans Available for Used Two-Wheelers?

  • Feb 23 2021
  • |
  • Two Wheeler Loans

Gold Loan: What is it and How Does it Work?

  • Sep 10 2020
  • |
  • Gold Loan

गोल्ड लोन क्या है और यह कैसे काम करता है?

  • Oct 31 2020
  • |
  • Gold Loan

Fixed Deposit Receipts (FDR)

  • Jul 02 2021
  • |
  • Fixed Deposit

Tips to Get Lowest Interest Rate on Two-Wheeler Loan

  • Jul 26 2021
  • |
  • Two Wheeler Loans

Choosing the right Two Wheeler Loan based on interest rate

  • Dec 09 2021
  • |
  • Two Wheeler Loans

How to Apply NOC for Two Wheeler

  • Jul 24 2021
  • |
  • Two Wheeler Loans

Risks involved in Fixed Deposits

  • Sep 13 2020
  • |
  • Fixed Deposit

Difference Between Compound Interest and Simple Interest

  • Sep 22 2020
  • |
  • Fixed Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
  • |
  • Recurring Deposit

Bike bought on loan but want to return

  • May 05 2021
  • |
  • Two Wheeler Loans

Types of Fixed Deposit

  • Sep 03 2021
  • |
  • Fixed Deposit

Effects of Delaying Two Wheeler Loan Emi Payment and Ways to Avoid Emi Overdue

  • Feb 24 2021
  • |
  • Two Wheeler Loans

Is a Two-Wheeler Loan Eligible for Tax Redemption?

  • Apr 21 2021
  • |
  • Two Wheeler Loans

Get Bike Loan With Zero Down Payment

  • Feb 25 2021
  • |
  • Two Wheeler Loans

FD Interest Rates on the Rise: Are they Good or Bad? A blog about FD interest rates

  • Sep 04 2021
  • |
  • Fixed Deposit

What is an MSME/SME loans and its uses?

  • Jun 25 2021
  • |
  • Business Loans

Foreclosure Charges: How to Avoid Pre Closure Charges?

  • Mar 27 2021
  • |
  • Business Loans

Fixed Deposit Interest Rate for Senior Citizens

  • Jul 12 2020
  • |
  • Fixed Deposit

सीनियर सिटीजन के लिए फायदेमंद है एफडी, बिना जोखिम मिलता है हाई रिटर्न

  • Oct 21 2020
  • |
  • Fixed Deposit

Two Wheeler Loan: Complete Details on Eligibility Criteria

  • Feb 23 2021
  • |
  • Two Wheeler Loans

Premature Withdrawal of Fixed Deposit

  • Jul 03 2021
  • |
  • Fixed Deposit

TDS on FD Interest in India

  • Nov 18 2020
  • |
  • Fixed Deposit

Two-wheeler Loan Interest Rates and GST Charges

  • Apr 03 2021
  • |
  • Two Wheeler Loans

Two Wheeler Loan Maximum Tenure

  • May 23 2022
  • |
  • Two Wheeler Loans

Gold Appraisal: What Does it Mean?

  • Apr 28 2021
  • |
  • Gold Loan

Calculating Yield Rates from Fixed Deposits

  • Oct 23 2021
  • |
  • Fixed Deposit

Will Gold Loan Affect Cibil Score

  • May 13 2021
  • |
  • Gold Loan

NBFC Fixed Deposit and Interest Rate

  • Jun 09 2021
  • |
  • Fixed Deposit

What Are the Factors That Affect Bike Loan Interest Rates?

  • Aug 03 2021
  • |
  • Two Wheeler Loans

Two Wheller Loan: Fixed vs Floating Rate of Interest

  • Feb 23 2021
  • |
  • Two Wheeler Loans

What happens to a fixed deposit if the depositor passes away?

  • Jul 03 2021
  • |
  • Fixed Deposit

What are the documents required for gold loan

  • Apr 29 2021
  • |
  • Gold Loan

How to get best loan against gold scheme offered in India

  • May 07 2021
  • |
  • Gold Loan

Smart Ways You Can Use Gold to Fund Your Startup: Gold to fund a business

  • Jun 16 2021
  • |
  • Gold Loan

Premature Withdrawal of Recurring Deposit

  • May 23 2022
  • |
  • Recurring Deposit

What are the Charges for Withdrawing RD Before the Maturity Rate?

  • Jul 28 2021
  • |
  • Recurring Deposit

What is the Maximum and Minimum Gold Loan Limit in India?

  • May 17 2021
  • |
  • Gold Loan

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
  • |
  • Recurring Deposit

Cibil Score for Bike Loan

  • Feb 25 2021
  • |
  • Two Wheeler Loans

How to Save Money: 5 Easy Ways

  • Jun 14 2021
  • |
  • Fixed Deposit

How to Get instant loans for business?

  • Jun 25 2021
  • |
  • Business Loans

Monthly Interest for Rs.1 Lakh Fixed Deposit

  • Sep 19 2020
  • |
  • Fixed Deposit

7 Reaons Why Fixed Deposit is Better Than Saving Account

  • Jun 07 2021
  • |
  • Fixed Deposit

Know why Shriram City has easy online loans for electric bikes

  • Jan 24 2022
  • |
  • Two Wheeler Loans

Learn How EMI Overdue Charges are Calculated

  • Apr 14 2021
  • |
  • Two Wheeler Loans

Why Shriram City Union Finance Fixed Deposit is the Best Investment Option

  • Jul 09 2020
  • |
  • Fixed Deposit

சிறந்த முதலீட்டு தேர்வாக ஏன் ஸ்ரீராம் சிட்டி யூனியன்...

  • Oct 22 2020
  • |
  • Fixed Deposit

శ్రీరామ్ సిటీ యూనియన్ ఫైనాన్స్ ఫిక్స్‌డ్ డిపాజిట్ మాత్రమే ఎందుకు...

  • Oct 23 2020
  • |
  • Fixed Deposit

All About Agriculture Gold Loan Interest Rate

  • Apr 21 2021
  • |
  • Gold Loan

Between Fixed and Floating Interest Rate Which is Better?

  • Jun 29 2021
  • |
  • Business Loans

Important points to consider before taking a Two Wheeler Loan

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Instant Gold Loan: Get Loan Against Loan Online

  • May 06 2021
  • |
  • Gold Loan

What Are the Different Types of Business Loans Offered by Shriram City?

  • Jun 28 2021
  • |
  • Business Loans

Loans and Disbursement Charges: The Complete Guide

  • Apr 26 2021
  • |
  • Business Loans

What Are the Eligibility Criteria For a Gold Loan?

  • Apr 27 2021
  • |
  • Gold Loan

How to Apply for Gold Loan and it's Benefits

  • Apr 27 2021
  • |
  • Gold Loan

Haven’t Renewed or Withdrawn your Fixed Deposit: Here’s what can happen to it

  • Jun 08 2021
  • |
  • Fixed Deposit

How can I improve my CIBIL score in order to get a business loan?

  • Jun 28 2021
  • |
  • Business Loans

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
  • |
  • Recurring Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

Is Fixed Deposit a Good Investment Options For Beginners

  • Jun 07 2021
  • |
  • Fixed Deposit

Advantages of Bike Loan Over Cash Payment

  • Jul 31 2021
  • |
  • Two Wheeler Loans

Confusions Regarding Two Wheeler Loan That You Should Know

  • Feb 11 2022
  • |
  • Two Wheeler Loans

Interest Free Gold Loan

  • Mar 25 2021
  • |
  • Gold Loan

Avail Lowest Interest Rate On Gold Loan

  • Apr 20 2021
  • |
  • Gold Loan

Are you Looking to Settle your Gold Loan? Here are Four Ways to Ace it

  • Apr 30 2021
  • |
  • Gold Loan

Are there any extra charges for a business loan besides GST and interest

  • Jun 26 2021
  • |
  • Business Loans

How to Avail Small Business Loan Terms Online

  • Jun 26 2021
  • |
  • Business Loans

What Is a Business Loan and Why You Should Avail It

  • Apr 26 2021
  • |
  • Business Loans

How to save the interest amount on a business loan?

  • Jun 21 2021
  • |
  • Business Loans

What is the Recurring Deposit Scheme offered by Shriram City?

  • Jul 19 2021
  • |
  • Recurring Deposit

Are recurring deposits covered by insurance?

  • Jul 15 2021
  • |
  • Recurring Deposit

How Does Business Loan Work

  • May 23 2022
  • |
  • Loans

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
  • |
  • Recurring Deposit

Tips to a debt-free life: A blog on how to get rid of debts in life.

  • Sep 09 2021
  • |
  • Loans

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
  • |
  • Gold Loan

What Are the Benefits of Fixed Deposit

  • Jul 07 2020
  • |
  • Fixed Deposit

Your One-stop Guide on Delay or Defaulting on Loan EMIs

  • Apr 02 2021
  • |
  • Two Wheeler Loans

Everything you need to know about Fixed Deposits in India

  • May 04 2021
  • |
  • Fixed Deposit

Is it possible to increase the credit limit on a business loan?

  • Jun 30 2021
  • |
  • Business Loans

Is there any extra interest in FD renewal?

  • Jul 09 2021
  • |
  • Fixed Deposit

Market Trends & Developments of Two Wheeler Loan Segment in India

  • Jul 24 2021
  • |
  • Two Wheeler Loans

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
  • |
  • Recurring Deposit

Loan For Women Entrepreneurs

  • May 23 2022
  • |
  • Loans

Bike Loan for Students

  • Feb 26 2021
  • |
  • Two Wheeler Loans

What are the Various Installment Frequencies and Payment Methods available for Recurring deposits(RD)?

  • Jul 30 2021
  • |
  • Recurring Deposit

What Should Be Your CIBIL Score Before You Apply For A Micro Loan Online?

  • Dec 10 2021
  • |
  • Business Loans

Two-Wheeler Loan Expectations Vs. Reality

  • Feb 10 2022
  • |
  • Two Wheeler Loans

Bonds vs Fixed Deposit

  • May 23 2022
  • |
  • Fixed Deposit

Can I release a part of my Gold?

  • May 12 2021
  • |
  • Gold Loan

What Happens When You Fail to Pay an EMI

  • May 20 2021
  • |
  • Two Wheeler Loans

What are the most attractive features of the Shriram City Recurring Deposit?

  • Jul 16 2021
  • |
  • Recurring Deposit

How do Loan Approvals Work for Two Wheelers?

  • Oct 21 2021
  • |
  • Two Wheeler Loans

What is the minimum down payment for a two wheeler loan

  • Nov 29 2021
  • |
  • Two Wheeler Loans

Two Wheeler Loan Processing Fees and Other Charges

  • Apr 08 2021
  • |
  • Two Wheeler Loans

Get Instant Loan Against Gold in India

  • Apr 28 2021
  • |
  • Gold Loan

How to Select the Most Effective Fixed Deposit Scheme

  • May 03 2021
  • |
  • Fixed Deposit

Business Loan:- Five problems, One solution

  • Feb 10 2022
  • |
  • Business Loans

The Gold Loan Disbursal Process Explained

  • May 05 2021
  • |
  • Gold Loan

Does Shriram City Offers Foreclosure of Business Loans?

  • Jul 22 2021
  • |
  • Business Loans

How to Explore Funding with Gold Loan Schemes

  • Dec 08 2021
  • |
  • Gold Loan

Loan against FD

  • May 23 2022
  • |
  • Fixed Deposit

Myths vs Facts about taking a gold loan

  • Sep 03 2020
  • |
  • Gold Loan

Can You Get a Gold Loan When You Can’t Produce a Bill of Jewellery?

  • Apr 22 2021
  • |
  • Gold Loan

Best Investment Option in India

  • Jun 15 2021
  • |
  • Fixed Deposit

What is the minimum and maximum investment amount for Shriram City Recurring Deposit?

  • Jul 16 2021
  • |
  • Recurring Deposit

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
  • |
  • Business Loans

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
  • |
  • Fixed Deposit

Most Relevant Senior Citizen FD Rates and Schemes

  • Nov 30 2021
  • |
  • Fixed Deposit

Two-wheeler loan: - five problems, one solution

  • Feb 11 2022
  • |
  • Two Wheeler Loans

How to get Instant approvals on Bike Loan

  • Dec 03 2021
  • |
  • Loans

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
  • |
  • Recurring Deposit

What is the Quality of Gold That is accepted for Gold Loan Collateral?

  • Apr 22 2021
  • |
  • Gold Loan

Gold Loan Eligibility for NRI

  • May 22 2021
  • |
  • Gold Loan

How to refinance your loan and get better rates for your gold loan

  • Jun 16 2021
  • |
  • Gold Loan

What are the risks of putting money into a Recurring Deposit?

  • Jul 15 2021
  • |
  • Recurring Deposit

Apply for Two wheeler Top Up Loan

  • Jul 26 2021
  • |
  • Two Wheeler Loans

How To Avoid Tax Penalties In Your Fixed Deposit Withdrawal Cycle

  • Oct 22 2021
  • |
  • Fixed Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
  • |
  • Gold Loan,Loans

Fixed Deposit—Expectation vs Reality

  • Feb 02 2022
  • |
  • Fixed Deposit

Why Gold Loan is Better than Personal Loan?

  • Jun 26 2020
  • |
  • Gold Loan

Your two-wheeler loan options are endless with Shriram Finance

  • Feb 24 2021
  • |
  • Two Wheeler Loans

Keep These Things In Mind Before Apply For A Two Wheeler Insurance Loan

  • Oct 20 2021
  • |
  • Two Wheeler Loans

Get started with minimum investment on recurring deposit

  • Nov 29 2021
  • |
  • Recurring Deposit

How are Fixed Deposits beneficial for Trust and Foundations

  • Dec 01 2021
  • |
  • Fixed Deposit

Financial Advantages of Obtaining a Loan against Gold

  • Dec 02 2021
  • |
  • Gold Loan

How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
  • |
  • Fixed Deposit

What is the Difference Between Fixed Deposit and Recurring Deposit?

  • Dec 09 2021
  • |
  • Fixed Deposit

Eligibility for Two Wheeler Loan

  • Sep 11 2020
  • |
  • Two Wheeler Loans

GST on Gold Loan Interest

  • Apr 12 2021
  • |
  • Gold Loan

How is new technology helping NBFCs evolve?

  • Aug 18 2021
  • |
  • Loans

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
  • |
  • Recurring Deposit

Fixed Deposit: What is no one talking about?

  • Feb 03 2022
  • |
  • Fixed Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
  • |
  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Gold Loan: - Five Problems, One Solution

  • Feb 08 2022
  • |
  • Gold Loan

Bike Loan on Fixed vs Floating interest Rate

  • Mar 26 2021
  • |
  • Two Wheeler Loans

Best Bike Loan Scheme by Shriram City

  • May 17 2021
  • |
  • Two Wheeler Loans

NRI Loan: Apply for Two Wheeler Loan in India

  • May 21 2021
  • |
  • Two Wheeler Loans

How to choose the right business loan: How to analyze and compare different business loan products

  • Jun 21 2021
  • |
  • Business Loans

What kind of businesses are eligible for a Shriram City business loan?

  • Jun 24 2021
  • |
  • Business Loans

What are the various modes of payment that I can use to invest in Shriram City?

  • Jun 29 2021
  • |
  • Fixed Deposit

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
  • |
  • Fixed Deposit

Is it possible for a minor to open an RD in Shriram City?

  • Jul 23 2021
  • |
  • Recurring Deposit

Two Wheeler Loan Repayment Tips

  • Jul 26 2021
  • |
  • Two Wheeler Loans

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
  • |
  • Two Wheeler Loans

Growth of Fixed Deposits: Calculating Maturity Amount for Withdrawal

  • Oct 23 2021
  • |
  • Fixed Deposit

How to Choose an Optimal Business Loan for You

  • Dec 08 2021
  • |
  • Business Loans

Important Criteria to be Aware of Before Applying for a Business Loan

  • Dec 08 2021
  • |
  • Business Loans

How To Get More Results out of Your SME Loan?

  • Jan 24 2022
  • |
  • Business Loans

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
  • |
  • Recurring Deposit

How to Apply for Two Wheeler Loan Online

  • Sep 11 2020
  • |
  • Two Wheeler Loans

How different is it to avail investment banking facilities from a non-banking firm?

  • May 14 2021
  • |
  • Business Loans

Bank Fixed Deposit or Non-Bank fixed deposit? Here is a Comparative Study to Help You Decide

  • Jun 09 2021
  • |
  • Fixed Deposit

How to Strategise a Guaranteed Income Plan for Financial Safety Net to Secure Future?

  • Jun 08 2021
  • |
  • Fixed Deposit

Some Common Myths around Business Loans

  • Jun 18 2021
  • |
  • Business Loans

Is It Possible to Apply For a Business Loan in India as a Sole Proprietor?

  • Jun 24 2021
  • |
  • Business Loans

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
  • |
  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
  • |
  • Business Loans

How AI Helps Lenders Assess Loan Seekers With No Credit Score?

  • Aug 26 2021
  • |
  • Loans

Best Fixed Deposit Schemes in India

  • Sep 06 2021
  • |
  • Fixed Deposit

Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

  • Sep 09 2021
  • |
  • Fixed Deposit

Why is a Fixed Deposit the Desired Form of Investment for Traditional Indians?

  • Oct 20 2021
  • |
  • Fixed Deposit

What role does collateral play in SME Loans?

  • Oct 26 2021
  • |
  • Business Loans

Choose Your SME Loan As Per Your Requirement

  • Oct 26 2021
  • |
  • Business Loans

How Do Fixed Deposits Promote Senior Citizen Welfare

  • Nov 27 2021
  • |
  • Fixed Deposit

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
  • |
  • Two Wheeler Loans

Fixed Deposit – Five Problems, One Solution

  • Feb 01 2022
  • |
  • Fixed Deposit

Gold Loan: The Golden Solution

  • Feb 01 2022
  • |
  • Gold Loan

Recent trends in Gold loan

  • Feb 03 2022
  • |
  • Gold Loan

Two Wheeler Loan Repayment Plans and Options

  • Feb 26 2021
  • |
  • Two Wheeler Loans

Features and Benefits of Two Wheeler Loan

  • May 21 2021
  • |
  • Two Wheeler Loans

How to get quick and easy business loans under difficult circumstances

  • Jun 10 2021
  • |
  • Business Loans

How to Frequently Monitor and Evaluate Your Investments

  • Jun 11 2021
  • |
  • Fixed Deposit

The Benefits of a Business Loan and How It Will Help You to Grow Your Business

  • Jun 17 2021
  • |
  • Business Loans

Fixed Deposit VS Unit Linked Insurance Plans (ULIP) Where to Invest?

  • Jul 02 2021
  • |
  • Fixed Deposit

Commercial Vehicle loan for Bikes

  • Jul 27 2021
  • |
  • Two Wheeler Loans

What are the differences between two wheeler loan vs personal loan?

  • Jul 27 2021
  • |
  • Two Wheeler Loans

Integration of the Use of AI in Finance

  • Aug 18 2021
  • |
  • Loans

What makes Shriram City Union Finance better than other banks in India

  • Sep 06 2021
  • |
  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
  • |
  • Fixed Deposit

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
  • |
  • Two Wheeler Loans

Important Things to Keep in Mind While Applying for a Gold Loan

  • Dec 06 2021
  • |
  • Gold Loan

Overcome these common challenges while applying for a business loan online

  • Dec 07 2021
  • |
  • Business Loans

MSME Loans & Its Importance

  • Aug 25 2020
  • |
  • Business Loans

Repayment of Gold Loan

  • May 10 2021
  • |
  • Gold Loan

Safe Investments With High Returns In India

  • May 03 2021
  • |
  • Fixed Deposit

Is a PAN card mandatory for a gold loan

  • May 05 2021
  • |
  • Gold Loan

How You Can Pick The Best Business Loan

  • May 14 2021
  • |
  • Business Loans

Why Fixed Deposits - An ideal Investment Option for Beginners

  • May 19 2021
  • |
  • Fixed Deposit

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
  • |
  • Two Wheeler Loans

What are the Alternatives for a Business Loan?

  • Jun 16 2021
  • |
  • Business Loans

The 5 Biggest Mistakes to Avoid When Getting a Business Loan

  • Jun 17 2021
  • |
  • Business Loans

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
  • |
  • Recurring Deposit

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
  • |
  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
  • |
  • Loans

Why Shriram City Union Finance Fixed Deposits Should Be Your Preferred Investment Option

  • Sep 04 2021
  • |
  • Fixed Deposit

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
  • |
  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
  • |
  • Business Loans

Best Gold Loan Tips You Will Read This Year

  • Jan 21 2022
  • |
  • Gold Loan

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
  • |
  • Business Loans

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
  • |
  • Business Loans

Is a Guarantor or Introducer Necessary for Availing a Gold Loan?

  • Apr 13 2021
  • |
  • Gold Loan

How to Save Money in Fixed Deposit?

  • Apr 28 2021
  • |
  • Fixed Deposit

Does Shriram City provide an EMI calculator?

  • May 13 2021
  • |
  • Business Loans

NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
  • |
  • Two Wheeler Loans

How to Fulfill your Dreams of Success with Business Loan

  • Jun 23 2021
  • |
  • Business Loans

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
  • |
  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
  • |
  • Fixed Deposit

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
  • |
  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
  • |
  • Fixed Deposit

How to choose your business loan online based on interest rates

  • Dec 07 2021
  • |
  • Business Loans

How Are NBFCs Keeping up with the Gold Demand Surge?

  • Dec 10 2021
  • |
  • Gold Loan

Type of Fixed deposits you should buy before you retire

  • Jan 25 2022
  • |
  • Fixed Deposit

How to Explain Fixed Deposits to Millennials?

  • Feb 07 2022
  • |
  • Fixed Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
  • |
  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
  • |
  • Gold Loan

Gold Loan Eligibility – Everything You Need to Know

  • Apr 27 2021
  • |
  • Gold Loan

Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
  • |
  • Fixed Deposit

Get a fixed deposit with Shriram City & boost your savings today

  • May 07 2021
  • |
  • Fixed Deposit

Easy ways to repay the Loan against Jewellery

  • May 12 2021
  • |
  • Gold Loan

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
  • |
  • Business Loans

What is the Importance of a Fixed Deposit on Your Financial Portfolio?

  • Oct 23 2021
  • |
  • Fixed Deposit

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
  • |
  • Two Wheeler Loans

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
  • |
  • Fixed Deposit

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
  • |
  • Gold Loan

Business loans: Expectation vs Reality

  • Feb 09 2022
  • |
  • Business Loans

Shriram City: One stop solution for the needs of MSMEs

  • Jun 18 2021
  • |
  • Business Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
  • |
  • Fixed Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
  • |
  • Business Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
  • |
  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
  • |
  • Recurring Deposit

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
  • |
  • Fixed Deposit

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
  • |
  • Two Wheeler Loans

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
  • |
  • Business Loans

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
  • |
  • Fixed Deposit

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
  • |
  • Two Wheeler Loans

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
  • |
  • Two Wheeler Loans