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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 Bagaha

For people in Bagaha wanting to save money safely, fixed deposits offer peace of mind with steady returns. A Fixed Deposit in Bagaha works like a secure container for your money that also helps it grow over time. Many residents choose FD in Bagaha because they know exactly how much they'll receive when the deposit period ends. This guide explains how to choose between different fixed deposit terms, what interest rates you can expect currently, and how to plan your fixed deposits according to when you might need your money for important expenses.

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 retains your earned interest with your main deposit rather than distributing it. This creates a compound growth effect as you earn interest on both your principal amount and previously accumulated interest. When your deposit term ends, you receive everything at once your initial deposit plus all built-up interest. This option suits those seeking maximum growth who don't require regular income from their investment.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at regular periods, offering a steady income stream. The interest is calculated using simple interest methods and can be paid to you monthly, quarterly, or yearly. This option delivers consistent returns and improved access to your earnings compared to cumulative FDs, making it appropriate for managing recurring expenses.

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

Successful investment planning relies on comprehensive review of fixed deposit characteristics and merits. The key elements of FD encompass:

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 Bagaha

FD rates in Bagaha present noticeable variations across different financial institutions. Savvy investors consistently compare multiple options before determining where to allocate their resources. The interest returns generally fluctuate based on factors like your selected term and the specific financial entity managing your 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

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 Bagaha

Shriram Finance has outlined particular eligibility requirements for interested fixed deposit investors in Bagaha. The categories allowed to invest in fixed deposits in Bagaha consist of.

  • 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 Bagaha

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Setting up a fixed deposit is flexible with choices to proceed digitally or by visiting a Bagaha branch for application processing. Assemble all necessary documents beforehand for an effortless setup experience. Typically, follow these sequential procedures to invest 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 Bagaha?

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

Shriram Finance maintains advantageously situated FD branches in Bagaha to serve your fixed deposit needs. These service-dedicated offices are staffed with seasoned financial advisors who provide personalised guidance on how to open fixed deposit accounts or manage existing Unnati Fixed Deposit Scheme setups. Below is the list of Shriram Finance branches in Bagaha.

Bagaha

  • 1st Floor, Bhargavi Complex, Dumwalia P.O. Naraipur BAGHA,BIHAR Pincode: 845105 Phone:18001036369

Baheri

  • First Floor, At College Road, P.O. & P.S. Baheri SH-88, Near Oil Petrol Pump BAHERI,BIHAR Pincode: 847105 Phone:18001036369

Banka

  • Plot No 191/10, Shitla Market, Katoria Road BANKA,BIHAR Pincode: 813101 Phone:18001036369
View All Branches

Shriram FD Customer Care in Bagaha

If uncertainties surface or you need clarity regarding your fixed deposit account, our dedicated Fixed Deposit Customer Care professionals stand prepared to resolve your queries. Utilise our telephone helpline for immediate support concerning your investments. Detailed customer care contact information is readily available whenever needed.

Toll Free

Shriram FD Status in Bagaha

Access information about your Shriram Fixed Deposit status in Bagaha via our comprehensive online services or by reaching out to our dedicated customer service personnel. Regular monitoring of your FD status allows you to maintain awareness of upcoming maturity periods and interest accruals.

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

The interest rate on FD in Bagaha 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 Bagaha?

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

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

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

Can I open multiple Fixed Deposits in Bagaha?

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

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

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 Bagaha?

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

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

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 Bagaha?

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 Bagaha?

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 Bagaha?

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.