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    Gruh Finance Fixed Deposit (FD) Rates
     and 2 other FDs
    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹1Cr
    1 Year to 10 Years
    7.5% - 8% Compound yearly
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.6% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.49% - 8.28% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Gruh Finance Fixed Deposit (FD) Rates
    Fixed Deposit BYTES FROM OUR KITCHEN

    Gruh Finance Fixed Deposit (FD) Rates

    Gruh Finance, a subsidiary of HDFC, is a well-known name in the housing finance sector. Registered with the National Housing Bank (NHB), Gruh Finance also offers a range of fixed deposits (FDs) that come with attractive interest rates. With Gruh, investments can be made in both cumulative and non-cumulative schemes. Read further to know about the interest rates paid under each scheme.

    Given below is an updated/revised table of Gruh Finance Fixed Deposit Interest Rates:

    Gruh Finance Cumulative Growth FD Rates (short & medium-term)
    Period of investment Regular interest rate (per annum) Senior citizen interest rate (per annum)
    12 months 7.25% 7.50%
    13 months to 23 months 7.25% 7.50%
    24 months to 35 months 7.25% 7.50%
    36 months to 47 months 7.25% 7.50%
    48 months to 60 months 7.25% 7.50%
    Gruh Finance Cumulative Growth FD Rates (Long-term)
    Period of investment Regular interest rate (per annum) Senior citizen interest rate (per annum)
    61 months to 71 months 7.00% 7.25%
    72 months to 83 months 7.00% 7.25%
    84 months to 95 months 7.00% 7.25%
    96 months to 107 months 7.00% 7.25%
    108 months to 119 months 7.00% 7.25%
    120 months 7.00% 7.25%

    Gruh Finance Cumulative Growth Fixed Deposit Rates:

    • Under the cumulative growth plan, the interest is compounded on a yearly basis
    • For all short-term and medium-term tenures that range from 12 months to 60 months, the rate of interest is more than 7.00% p.a.
    • An interest rate of 7.25% p.a. can be obtained for a tenure of 1 year, 2 years, 3 years, and 5 years
    • All senior citizens will be paid an additional interest rate of 0.25% on all deposit tenures
    • For a time period that ranges from 1 year to 5 years, the annual percentage gain will be 7.50% p.a. for those who fall in the senior citizen slab
    • Those who invest money for a period of more than 60 months, will be paid interest at the rate of 7.00% p.a.
    • While for senior citizens, the rate paid for a time period that is more than 60 months is 7.25% p.a.
    Gruh Monthly Income Scheme FD Rates
    Period of investment Regular FD Rate (per annum) Senior Citizen FD Rate (per annum)
    12 months to 60 months 6.75% 7.00%
    61 months to 120 months 6.50% 6.75%

    Monthly FD highlights:

    • In this type of term deposit, the interest is credited to the bank account of the investor on a monthly basis
    • The interest rate that can be obtained for investing for a time frame that varies between 12 months and 60 months is 6.75% p.a.
    • The rate paid for investing money for more than 61 months is 6.50% p.a.
    • For senior citizens, for tenures below 60 months, the rate paid is 7.00%, while for tenures above 60 months, the rate paid is 6.75% p.a.
    Gruh Quarterly Income Scheme FD Rates
    Period of investment Regular FD Rate (per annum) Senior Citizen FD Rate (per annum)
    12 months to 60 months 7.00% 7.25%
    61 months to 120 months 6.75% 7.00%

    Quarterly FD highlights:

    • The rate of interest paid on quarterly FDs is comparatively more than what is offered for monthly FDs, the difference works up to around 0.25% p.a.
    • For a tenure of 12 months to 60 months, the deposit rate that is applicable is 7.00% p.a. and for higher tenures, the rate paid is 6.75% p.a.
    • All senior citizens get paid an additional 0.25% p.a.
    • The rate paid for pensioners is 7.25% p.a. for a tenure less than 60 months and 7.00% for a time period that is more than 60 months
    Gruh Annual Income Scheme FD Rates
    Period of investment Regular FD Rate (per annum) Senior Citizen FD Rate (per annum)
    12 months to 60 months 7.25% 7.50%
    61 months to 120 months 7.00% 7.25%

    Annual FD highlights

    • The best FD rate paid is on annual non-cumulative term deposits offered by Gruh Finance Limited
    • Though the interest rate offered is similar to the cumulative growth plan, the difference here is that the interest is credited to the depositor at the end of a year
    • The FD rate applicable for all tenures less than 5 years is 7.25% p.a., while for an investment period above that, the rate paid is 7.00% p.a.

    Gruhini Deposit Yojana FD Rates

    The Gruhini term deposit has been mainly introduced to encourage more and more women to inculcate a habit of saving. The rate of interest paid on these FDs are 0.25% more than the regular rate.

    Gruhini Deposit Yojana FD Rates (short & medium-term)
    Period of investment Regular interest rate (per annum) Senior citizen interest rate (per annum)
    12 months 7.50% 7.50%
    13 months to 23 months 7.50% 7.50%
    24 months to 35 months 7.50% 7.50%
    36 months to 47 months 7.50% 7.50%
    48 months to 60 months 7.50% 7.50%
    Gruhini Deposit Yojana FD Rates (Long-term)
    Period of investment Regular interest rate (per annum) Senior citizen interest rate (per annum)
    61 months to 71 months 7.25% 7.25%
    72 months to 83 months 7.25% 7.25%
    84 months to 95 months 7.25% 7.25%
    96 months to 107 months 7.25% 7.25%
    108 months to 119 months 7.25% 7.25%
    120 months 7.25% 7.25%

    Gruhini deposit rate highlights:

    • Under this scheme the interest rate paid for all time periods ranging from 12 months to 60 months is 7.50% p.a.
    • For a tenure that is above 60 months, the rate paid will be 7.25% p.a.
    • The interest rate applicable for this type of deposit is 0.25% higher, so if a regular depositor is paid 7.25% p.a for 12 months, a Gruhini deposit holder will be able to get 7.50% p.a.
    • It must be noted here that those female depistors who belong to the senior citizen category will also get 0.25% additional interest. However, double benefit cannot be claimed as a senior citizens and as a Gruhini
    • The rates paid to senior citizens and Gruhinis will be same because under both categories, the additional benefit given is an interest rate of 0.25% p.a.

    GRUH FINANCE FD Rates Reviews

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