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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 Bankura

Investing in a Fixed Deposit in Bankura provides a methodical approach to wealth accumulation without exposing your hard-earned money to market fluctuations. The FD in Bankura creates a reliable foundation upon which thoughtful financial plans can be built. From understanding interest structures to evaluating withdrawal provisions, this guide delivers valuable insights to help you navigate fixed deposit options in Bankura, enabling informed decisions that balance liquidity needs with growth objectives in this region.

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 reinvestment rather than withdrawal, with earnings progressively incorporated into your principal sum. This establishes an expanding compounding mechanism that enhances your wealth accumulation, generating returns on both your original investment and previously accumulated interest. At maturity, you receive the complete amount comprising your initial deposit plus all compounded earnings. This format especially benefits those pursuing significant long-term capital appreciation without requiring periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit enables interest distribution at predetermined intervals, creating a reliable income stream. These payments, calculated using simple interest principles, can be arranged monthly, quarterly, or yearly according to your requirements. This approach provides regular returns and improved access to earnings compared to cumulative options, particularly benefiting those with recurring financial obligations.

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 primary advantages and attributes of fixed deposits contributes to building effective financial plans. The fundamental components of FD encompass:

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 Bankura

FD rates in Bankura demonstrate significant diversity among different financial establishments. Thoughtful savers methodically assess numerous possibilities before deciding where to place their resources. Your potential interest earnings commonly fluctuate according to factors such as your chosen investment period and the specific financial institution 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 Bankura

Establishing a Shriram Fixed Deposit in Bankura necessitates fulfillment of specific eligibility conditions. The groups qualified to initiate fixed deposits in Bankura comprise.

  • 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 Bankura

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Establishing a fixed deposit is uncomplicated whether you select online channels or decide to visit a Bankura branch in person to submit your paperwork. Gather all necessary identification and residence verification documents in advance for an efficient application experience. Typically, these methodical procedures allow you to establish an FD using electronic services.

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 Bankura?

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

Shriram Finance has thoughtfully positioned FD branches in Bankura to address your fixed deposit requirements. These client-centred offices are staffed with skilled financial advisors who offer tailored guidance on how to open fixed deposit accounts or review ongoing Unnati Fixed Deposit Scheme holdings. The following is a directory of Shriram Finance branches in Bankura

Bankura

  • Above HMT Tractor Showroom, H. No. 221/2/A, Durgapur Bye Pass Road, Lalbazar P.O. - Bankura BANKURA,WEST BENGAL Pincode: 722101 Phone:18001036369

Sonamukhi

  • First Floor, Rajlaxmi Market, Near Police Station, Near Electric Office, Thanagora, Sonamukhi BANKURA,WEST BENGAL Pincode: 722207 Phone:18001034959

Barasat

  • Ganesh Bhaban, 3rd Floor, 25/3, Jessore Road (South), Above MP Jewellers BARASAT,WEST BENGAL Pincode: 700124 Phone:18001036369
View All Branches

Shriram FD Customer Care in Bankura

When you need answers or clarification regarding your fixed deposit account, our specialised Fixed Deposit Customer Care team in Bankura is available to deliver detailed guidance. Contact our phone support line for immediate help with your investments. Our full customer service contact information remains accessible at all times.

Toll Free

Shriram FD Status in Bankura

For verifying your Shriram Fixed Deposit status in Bankura, access our user-friendly digital portal or connect with our specialised support staff. Consistent tracking of your FD status helps you remain updated on forthcoming maturity periods and interest accumulation.

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 Bankura?

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

The interest rate on FD in Bankura 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 Bankura?

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

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

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

Can I open multiple Fixed Deposits in Bankura?

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

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

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 Bankura?

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

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

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 Bankura?

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 Bankura?

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 Bankura?

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.