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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 Ambala

In Ambala, many individuals are choosing fixed deposits (FDs) as a simple way to grow their savings with minimal risk. A fixed deposit is a financial instrument where you invest a lump sum for a specific tenure and earn interest at a predetermined rate. The returns are steady and unaffected by market fluctuations, making it a preferred choice for those who value financial stability.

Types of Fixed Deposits

Following are the various forms of FDs to achieve your financial goals.

interest rates

Cumulative Fixed Deposit

In a Cumulative Fixed Deposit, interest earned over the deposit period is reinvested along with the principal. This leads to compounding, which increases the total value over time. At maturity, a single payout is made that includes the original deposit plus the compounded interest. This kind of FD is suitable for individuals who are saving for long-term goals and do not need regular returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit offers interest at regular intervals, making it a good choice for those who want frequent earnings. The interest is calculated using simple interest and can be paid monthly, quarterly, or annually. These FDs provide better liquidity and are often chosen by people with consistent financial needs.

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

Familiarity with the fixed deposit features and benefits can help when planning your finances. The list below highlights the core features and benefits of an FD:

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 Ambala

The FD rates in Ambala may differ across banks and financial institutions. To get good returns, it is important to review and compare the rates carefully. These rates generally depend on the deposit tenure and the type of institution offering the fixed deposit. 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

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I am a Senior Citizen

STEP 02

I am a Woman

STEP 03

Investment amount

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STEP 04

Tenure up to

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Min 12 months

Max 60 months

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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 Ambala

Opening a fixed deposit account with Shriram Finance requires meeting certain eligibility standards. Typically, the following criteria must be satisfied to apply for an FD.

  • 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 Ambala

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You have the option to open an FD online or by visiting the branch. Ensure you have all the necessary documents ready. Generally, the steps mentioned below show how to begin investing 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 Ambala?

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

Our presence through FD branches in Ambala ensures easy access to fixed deposit services. At these branches, our team will help you open fixed deposit accounts or take care of your Unnati Fixed Deposit Scheme. The list of Ambala branches is provided below

Ambala

  • 1st Floor, Plot No.2075/76, Shingari Industries,Chandigarh Road, Opposite Punjab & Sindh Bank, Baldev Nagar AMBALA,HARYANA Pincode: 134007 Phone:18001036369

Ambala - I

  • First and Second Floor, Property ID - 31C15U632, 2557/5/7, 2557/5/8, Bangali Mohalla, Ambala Cantt AMBALA,HARYANA Pincode: 133001 Phone:18001036369

Bhiwani

  • 2nd Floor, Near Radha Swami Satsang Bhawan, Dhnod, Rohatak Road BHIWANI,HARYANA Pincode: 127021 Phone:18001036369
View All Branches

Shriram FD Customer Care in Ambala

If you have questions or need help with your FD, our Fixed Deposit Customer Care team is always available. Reach out to us for quick guidance on any fixed deposit-related concern. Contact details are mentioned below.

Toll Free

Shriram FD Status in Ambala

To check your Shriram Fixed Deposit status in Ambala, you may log in online or contact our support team. Monitoring your FD helps you stay aware of upcoming maturity and interest updates.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

The interest rate on FD in Ambala 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 Ambala?

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

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

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

Can I open multiple Fixed Deposits in Ambala?

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

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

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 Ambala?

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

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

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 Ambala?

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 Ambala?

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 Ambala?

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.