Download Shriram One app
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)

T&C Apply

  • Yes
  • No
stickyTab

Fixed Deposit in Aurangabad

Building a steady savings habit often begins with choosing the right financial product. For residents of Aurangabad, a fixed deposit offers a simple way to plan and grow their money over a period. With clear terms and flexible features, it remains a popular choice for long-term and short-term goals alike. This guide will help you understand how a Fixed Deposit in Aurangabad through Shriram Finance can fit into your savings plan. A Shriram Fixed Deposit offers options to choose tenure, interest payout mode, and investment amount based on your needs. If you are exploring an FD in Aurangabad for regular returns or future planning, this guide will walk you through everything you need to know so you can begin with clarity and make informed choices.

Types of Fixed Deposits

Shriram Finance in Aurangabad offers fixed deposit options that suit various saving preferences.

interest rates

Cumulative Fixed Deposit

This type adds the interest earned back to your original deposit. You don’t receive interest regularly. Instead, you get the combined amount when the deposit matures. Compounding makes the total value grow. This is best if you’re saving for something in the future and don’t need monthly or yearly payments.

achievement

Non-Cumulative Fixed Deposit

This option pays interest regularly—monthly, quarterly, or annually—based on your choice. It supports your ongoing financial needs. The calculation is simple, and you receive payments on time. You can choose the deposit based on your personal financial plans—whether that’s regular income or long-term savings.

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

Having clear knowledge of fixed deposit features and benefits helps in making financial decisions in Aurangabad. Mentioned below are the important features and benefits of 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 Aurangabad

FD rates in Aurangabad are influenced by the financial institution and the tenure of the fixed deposit. It is helpful to look at multiple options before making a decision. By comparing available interest rates, you can choose a fixed deposit plan that fits your savings approach—whether you want steady income from interest or wish to grow your funds over a longer period to meet future financial needs. 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 Aurangabad

Opening a fixed deposit account in Aurangabad involves fulfilling some eligibility requirements. The typical conditions mentioned below apply when you want to begin a fixed deposit plan.

  • 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 Aurangabad

Shriram Finance offers its Shriram Unnati Fixed Deposit in Aurangabad with flexible tenure and attractive interest rates. You can apply online or go to the nearest branch. To ensure a smooth experience, have your documents ready. Below are the steps that explain how to open a Shriram Unnati Fixed Deposit account through the online process.

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 Aurangabad?

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

Shriram Finance has several FD branches in Aurangabad to make fixed deposit services more accessible. You may walk into any of these branches to open fixed deposits or speak to a representative about your existing account. Assistance is available for all FD-related activities, including interest details and deposit tenures.

Aurangabad - I

  • Second and Third Floor, No. 29A, at Bijli Nagar, Osmanpura CHHATRAPATI SAMBHAJI NAGAR,MAHARASHTRA Pincode: 431005 Phone:18001036369

Aurangabad

  • Second Floor, Plot No 87 & 91, Survey No. 06-A, Shahanoor Wadi, Kakde Tower, Darga Road CHHATRAPATI SAMBHAJI NAGAR,MAHARASHTRA Pincode: 431005 Phone:18001036369

Aurangabad - II

  • CTS No. 13011, Plot No 02 GF,Rokadiya Hanuman Colony Mahind CHHATRAPATI SAMBHAJI NAGAR,MAHARASHTRA Pincode: 431001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Aurangabad

For queries regarding your fixed deposit in Aurangabad, our Customer Care team is available to help. You can speak to a representative by calling the numbers provided below. Get assistance related to your account, investment details, or any other fixed deposit-related concerns.

Toll Free

Shriram FD Status in Aurangabad

To stay updated about your Fixed deposit in Aurangabad, go online or speak with customer care. These options help you get information about maturity timelines and interest, making it easier to handle your financial planning and stay prepared for when your fixed deposit reaches maturity.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai
Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

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

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

The interest rate on FD in Aurangabad 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 Aurangabad?

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

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

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

Can I open multiple Fixed Deposits in Aurangabad?

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

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

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 Aurangabad?

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

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

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 Aurangabad?

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 Aurangabad?

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 Aurangabad?

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.