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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 Anantnag

A fixed deposit is a straightforward savings option where you earn assured returns over a set period. In Anantnag, where people value financial security and consistent growth, FDs are widely preferred by pensioners, working professionals and small business owners. For anyone exploring a Fixed Deposit in Anantnag, Shriram Finance offers a solution that balances ease and effectiveness. With the Shriram Fixed Deposit, investors benefit from flexible tenure selections, competitive interest rates and added perks for women and senior citizens. The low minimum investment makes it accessible, and the simple application process ensures a hassle-free experience. If you're aiming for worry-free savings, starting an FD in Anantnag with Shriram Finance is a reliable step in the right direction.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit allows the interest earned to be reinvested rather than paid out during the term. This results in a compounding effect, where interest builds upon itself and the growing principal. At maturity, the investor receives a lump sum consisting of the original deposit and all the compounded interest. This option works best for those looking to build wealth over time and who do not require income at regular intervals.

achievement

Non-Cumulative Fixed Deposit

Non-Cumulative Fixed Deposits provide interest payouts at regular intervals, making them suitable for people who prefer a steady income. Interest is calculated using simple interest and is paid out either monthly, quarterly or yearly. This format offers dependable returns and higher liquidity compared to cumulative FDs, helping manage day-to-day 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

Being aware of the essential features and benefits of fixed deposits is vital for selecting the right plan. Below are the key features and benefits of an FD:

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 Anantnag

The FD rates in Anantnag can vary can differ across banks and financial companies. Comparing these rates is important to maximise returns. The interest offered usually depends on both the financial institution and the deposit tenure. 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 %

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Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Anantnag

Before opening a fixed deposit in Anantnag, applicants must meet certain eligibility conditions. Here are the general eligibility requirements 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 Anantnag

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Fixed deposit accounts can be opened online or by visiting a branch in person. To make the process quicker, keep your documentation ready. Below are the steps you can follow to apply for an 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 Anantnag?

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

Shriram Finance has its operations with FD branches in Anantnag to cater to your savings needs. Our experienced team can assist you with how to open fixed deposit accounts or manage your Unnati Fixed Deposit Scheme. Listed below are our branches in Anantnag

Anantnag

  • 1st Floor, Above Himalyan Motors (Mahindra), VPO Batingo ANANTHNAG,JAMMU AND KASHMIR Pincode: 192101 Phone:18001036369

Baramulla

  • 1st Floor, Sultana Market, Kanispora chowk, National Highway No. 1, Teh. Baramulla BARAMULLA,JAMMU AND KASHMIR Pincode: 193103 Phone:18001036369

Shrinagar

  • Chinar Heights, Third Floor, Airport Road, Baghat Barzulla, Above Axis Bank & RED FM, Post Office - Srinagar SRINAGAR,JAMMU AND KASHMIR Pincode: 190005 Phone:18001034959
View All Branches

Shriram FD Customer Care in Anantnag

If you need help with your fixed deposit account, our Fixed Deposit Customer Care team is always ready to support you. You may contact us using the phone numbers provided below.

Toll Free

Shriram FD Status in Anantnag

To review your Fixed Deposit status in Anantnag, either use our online portal or reach out to customer care. Monitoring your FD details allows you to stay informed about interest growth and maturity periods.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

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

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

The interest rate on FD in Anantnag 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 Anantnag?

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

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

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

Can I open multiple Fixed Deposits in Anantnag?

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

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

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 Anantnag?

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

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

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 Anantnag?

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 Anantnag?

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 Anantnag?

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.