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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 Alipurduar

Starting a Fixed Deposit in Alipurduar creates a reliable pathway toward achieving savings goals through systematic growth. The FD in Alipurduar delivers structured financial instruments that combine accessibility with earning potential. This guide discusses important aspects of fixed deposit accounts, from interest rates to liquidity options, empowering you to make financial choices that support immediate needs while nurturing future aspirations in this emerging economic centre.

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 functions through interest retention rather than distribution, with earnings progressively integrated into your principal. This establishes a growing compounding effect that enhances your wealth accumulation, generating returns on both your initial investment and previously earned interest. Upon maturity, you receive the full amount comprising your original deposit plus all compounded earnings. This format particularly benefits those pursuing substantial long-term capital appreciation without requiring regular income streams.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest payouts at predetermined intervals, creating a reliable income source. These disbursements, calculated using simple interest principles, can be scheduled monthly, quarterly, or yearly according to your needs. This approach delivers consistent returns and improved access to funds compared to cumulative options, especially advantageous for those with recurring financial responsibilities.

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

Recognising the essential advantages and characteristics of fixed deposits supports the creation of prudent investment plans. The vital elements of FD consist of:

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 Alipurduar

FD rates in Alipurduar show substantial variation across different financial service providers. Careful savers diligently research available choices before allocating their savings. Your interest earnings typically correlate with factors such as your preferred tenure and the particular financial organisation safeguarding your funds. 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Alipurduar

Creating a Shriram Fixed Deposit in Alipurduar demands satisfaction of particular eligibility requirements. The entities eligible to open fixed deposits in Alipurduar include.

  • IndividualEligibility
    • 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 Alipurduar

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit is uncomplicated whether you utilise internet services or choose to visit an Alipurduar branch directly to submit your paperwork. Prepare all essential identification and residence proof documents beforehand for a fluid application procedure. Typically, these systematic processes allow you to establish an FD through digital channels.

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 Alipurduar?

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

Shriram Finance has methodically established FD branches in Alipurduar to serve your fixed deposit needs. These customer-focused facilities employ capable financial consultants who deliver professional guidance on how to open fixed deposit accounts or keep track of existing Unnati Fixed Deposit Scheme investments. Here is an overview of Shriram Finance branches in Alipurduar

Alipurduar

  • Rainbow Building, 2nd Floor, 205 Park Road, First House, Ward No-2, Alipurduar Court JALPAIGURI,WEST BENGAL Pincode: 736122 Phone:18001036369

Malbazar

  • First Floor, Ramkrishna Colony, Ward No - 1, NH - 31, Nl, Opposite Suvasini School, Above SBI, Malbazar JALPAIGURI,WEST BENGAL Pincode: 735221 Phone:18001034959

Jalpaiguri

  • 2nd Floor, Rachayita Complex, Kadamtala, PO Jalpaiguri, Beside Punjab National Bank JALPAIGURI,WEST BENGAL Pincode: 735101 Phone:18001036369
View All Branches

Shriram FD Customer Care in Alipurduar

Should you have queries or need additional clarity about your fixed deposit account, our professional Fixed Deposit Customer Care team in Alipurduar is prepared to offer complete assistance. Connect with our phone support for quick help with your investments. Our detailed customer service contact information remains accessible as needed.

Toll Free

Shriram FD Status in Alipurduar

For reviewing your Shriram Fixed Deposit status in Alipurduar, employ our comprehensive digital interface or contact our dedicated customer care team. Regular observation of your FD status enables you to maintain awareness of upcoming maturity dates and interest growth.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai
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 Alipurduar?

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

The interest rate on FD in Alipurduar 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 Alipurduar?

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

Yes, premature withdrawal of a fixed deposit is allowed in Alipurduar; 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 Alipurduar 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 Alipurduar?

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

Can I open multiple Fixed Deposits in Alipurduar?

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

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

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 Alipurduar?

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

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

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 Alipurduar?

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 Alipurduar?

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 Alipurduar?

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.