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

  • Fixed Deposit
  • 1 Years ago
  • Comments
What Makes Shriram City Union Finance Better Than Other Banks

Fixed Deposits offered by banks were among the most preferred and safest instruments for risk-averse people. People generally preferred such schemes and instruments because the safety of their capital mattered to them more than the returns, and the risk of loss of capital was almost negligible.

However, in recent times, interest rates offered by fixed deposits have plummeted to such an extent that many banks offer returns even lower than savings bank interest rates. This is evident from the interest rates offered by State Bank of India on fixed deposits, which range between 2.9% and 5.4% for varying tenures.

Even the highest interest rate offered by SBI (5.4%), hardly covers inflation. Eventually, it will depreciate investments on a relative basis due to the effects of inflation. The interest rates offered on fixed deposits are similar to those offered in 2004-05. This raises a significant question for those people looking for safe avenues of investment.

Non-Banking Financial Institutions, also known as NBFCs, offer fixed deposit schemes for the public. The NBFC Fixed Deposits offer interest rates that are comparatively higher than inflation and top lenders like SBI, ICICI, HDFC, Axis and other such banks. Therefore, they have an upper hand over these leading banks. Investors looking for the best return FD scheme may prefer to pursue FDs with NBFCs. However, before investing in fixed deposits, certain things should be kept in mind. There are two types of Fixed Deposits

Cumulative Fixed Deposits: These are fixed deposits where the interest is accumulated over the period of the deposit and returned to the investor along with the principal amount at maturity. This offers a compounding benefit to the investors as the interest is not just earned on the principal but also on the interest amount accumulated.

Those investors looking forward to growing their wealth with good interest rates can opt for NBFC Cumulative Fixed Deposits. Here, Shriram City FD also offers attractive returns starting from 6.31% per annum to 7.48% per annum over a varying period between 12 months to 60 months. This will speed up the compounding effect, leading to a higher maturity value.

Non-Cumulative Fixed Deposits: These are fixed deposits where the interest, instead of being accumulated, is paid to the depositor periodically. Interest may be paid monthly, quarterly, half-yearly or annually depending on bank policies. Therefore, if you are looking for a great source of passive income, then you may prefer the NBFC non-cumulative scheme of fixed deposits. The Shriram City FD provides varying rest periods especially for non-cumulative fixed deposits, thereby enabling the depositor to decide the timing of passive interest income inflow.

There are monthly, quarterly, half-yearly and annual rest periods. Again, the tenure of fixed deposits ranges from 12 months to 60 months. The interest rate starts at 6.31% per annum here as well, but the cherry on the cake is that it can go up to as high as 7.75% per annum. These returns also exceed the returns of many of the government securities and schemes.

As everything is moving online, so are services provided by the banks to customers. Now, customers can create a fixed deposit online without any need to visit the bank. Also, if you fall into the senior citizen category, most banks will offer interest rates that are higher than the normal interest rates on fixed deposits. The difference may range up to 0.5%.

The reason is that older people tend to look for security. Therefore, the safety of investments is more important than the returns at that point in life. The Shriram City FD scheme offers a 0.30% per annum higher interest rate to senior citizens. This is applicable for those who have completed the age of 60 years on the date of deposit or renewal. Also, an additional interest of 0.25% per annum is offered to the depositors on the renewal of deposits after their maturity. For cumulative deposits, the maturity value itself can be renewed.

Fixed deposits also offer tax benefits, subject to certain conditions. If the investor makes a term deposit with any bank or financial institution for a lock-in period of five years, then the amount deposited is eligible for deduction under section 80C of the Income Tax Act, 1961. The maximum amount of deduction available is up to Rs. 1,50,000. Therefore, if you make a deposit of Rs. 1,50,000 in the fixed deposit for a term of 5 years, then Rs. 1,50,000 will be deducted from your gross total income while calculating your tax amount. The amount of tax savings will depend on the tax slab under which you fall, which may be 5%, 20%, 30%, etc.

Certain documentation is required before making a fixed deposit with any bank or financial institution. These include your KYC documents, i.e., ID proof, your address proof, photographs and a canceled cheque. However, the list of documents may change if the person is not a resident in India or is not a living person like a trust, Hindu Undivided Families (HUF) or any other entity.

Under the Shriram City FD, apart from resident individual persons, even non-resident individual persons, HUF, Body of Individuals (BOI), partnership firms, companies, unincorporated associations, trust and foundations can also invest, thus opening up the opportunity for a variety of persons.

If you are wondering how much your investment in fixed deposits can grow, you can use a fixed deposit calculator. To use a fixed deposit calculator, you just need to insert the principal amount invested and the tenure of investment. Some calculators may even ask for the rate of interest, which again will vary depending on the tenure of the fixed deposit. After you complete the above, you will get the maturity value of your fixed deposits. This calculator is useful for cumulative fixed deposits because the maturity receipts of non-cumulative fixed deposits involve the principal amount invested only.

Conclusion

If you are looking to invest in fixed deposits, then NBFCs or small banks are far more preferable than their bigger counterparts. The above-stated services and benefits offered by Shriram City Union Finance give it an edge over most of the other banks. Also, it is advisable to not put all your money into a single fixed deposit. Instead, break it into 2-3 smaller fixed deposits so that if you ever face an emergency and you need to break your fixed deposit prematurely, then you need only break a single FD or two and not your entire investment.

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  • Fixed Deposit

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

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

  • Aug 02 2021
  • |
  • Business Loans

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

  • Jul 27 2021
  • |
  • Two Wheeler Loans

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

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
  • |
  • Two Wheeler Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
  • |
  • Loans

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

  • Aug 26 2021
  • |
  • 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 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

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

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

  • Sep 08 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

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

  • Sep 09 2021
  • |
  • Fixed Deposit

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
  • |
  • Two Wheeler Loans

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
  • |
  • Business Loans

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

  • Oct 20 2021
  • |
  • Fixed Deposit

How do Loan Approvals Work for Two Wheelers?

  • Oct 21 2021
  • |
  • Two Wheeler Loans

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
  • |
  • Fixed Deposit

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
  • |
  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
  • |
  • Fixed Deposit

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

  • Nov 25 2021
  • |
  • Fixed Deposit

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

  • Nov 27 2021
  • |
  • Fixed Deposit

How Do Fixed Deposits Promote Senior Citizen Welfare

  • Nov 27 2021
  • |
  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

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

  • Dec 01 2021
  • |
  • Two Wheeler Loans

How are Fixed Deposits beneficial for Trust and Foundations

  • Dec 01 2021
  • |
  • Fixed Deposit

How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
  • |
  • Fixed Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
  • |
  • Gold Loan,Loans

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

  • Dec 04 2021
  • |
  • Gold Loan

How to choose your business loan online based on interest rates

  • Dec 07 2021
  • |
  • Business Loans

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

  • Dec 08 2021
  • |
  • Business Loans

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

  • Jan 20 2022
  • |
  • Business Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
  • |
  • Two Wheeler Loans

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
  • |
  • Gold Loan

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
  • |
  • Recurring Deposit

How To Get More Results out of Your SME Loan?

  • Jan 24 2022
  • |
  • Business Loans

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

  • Feb 02 2022
  • |
  • Business Loans

Recent trends in Gold loan

  • Feb 03 2022
  • |
  • Gold Loan

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
  • |
  • Recurring 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

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

  • Feb 09 2022
  • |
  • Business Loans

Business loans: Expectation vs Reality

  • Feb 09 2022
  • |
  • Business Loans