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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 Bardhaman

A Fixed Deposit in Bardhaman offers a systematic savings approach that merges stability with income generation. The FD in Bardhaman creates structured frameworks that enable more predictable financial outcomes. This detailed examination covers fundamental aspects of fixed deposits, from current interest rate to liquidity options, allowing you to craft investment decisions that accommodate immediate financial needs while supporting enduring economic aspirations.

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 accrual rather than payout, with earnings continuously added to your principal. This creates a growing compounding mechanism that accelerates your wealth accumulation, yielding returns on both your initial investment and previously gathered interest. Upon maturity, you receive the complete amount comprising your original sum plus all compounded returns. This arrangement particularly advantages those pursuing significant long-term capital growth without requiring regular income streams.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit arranges for interest distribution at established intervals, establishing a dependable income flow. These disbursements, calculated using simple interest principles, can be organised monthly, quarterly, or yearly according to your requirements. This approach provides consistent earnings and better access to funds compared to cumulative options, especially supporting those with recurring expense 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.

In addition, our FDs can support planning for important life events

  • FD for Retirement Fund
  • Fixed Deposit for Children
  • FD for Wedding Expenses
  • FD for Home Expenses

The FD interest rate is 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 a Non-Cumulative Fixed Deposit pay out interest at regular intervals (monthly, quarterly, half-yearly, or yearly).

Shriram Fixed Deposit Features and Benefits

To optimise your savings strategy, it's vital to recognise the key advantages and characteristics of fixed deposits. The essential components of FD comprise

Flex Tenure
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
Attractive Interest
Low minimum investment amountLow minimum investment amount
Compounding Benefit
Compounding benefitsCompounding benefits
Static Alt Text
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors
Predictable Return
Flexible tenureFlexible tenure
Cumulative
Predictable returnsPredictable returns
Low Investment
Attractive interest ratesAttractive interest rates

Shriram Fixed Deposit Interest Rates in Bardhaman

FD rates in Bardhaman demonstrate substantial variance between different banks and NBFCs. Careful savers frequently analyse several options before placing their funds. The returns you gain generally fluctuate according to elements including your chosen investment period and the specific financial institution maintaining your deposit. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. Get an interest rate of up to 8.15%* p.a. inclusive of 0.50%* p.a. for Senior Citizens and 0.05%* 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 Bardhaman

Qualification for a Shriram Finance fixed deposit in Bardhaman requires applicants to satisfy precise eligibility specifications. The groups entitled to establish fixed deposits in Bardhaman comprise

  • IndividualEligibility Criteria
    • Companies
    • Partnership Firm
    • Trust and Foundation
    • Hindu Undivided Family
    • Indian Residents
    • Unincorporated Association or Body of Individual
    • Non-Resident Indians (NRIs)

How to Invest in Fixed Deposit with Shriram in Bardhaman

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Initiating a fixed deposit is uncomplicated through internet services or with a direct appearance at a Bardhaman branch to submit your documents. Assemble all required identity and address confirmation materials beforehand for a seamless enrolment process. In most cases, these methodical steps allow you to open an FD via digital methods.

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

    Complete the payment online and add nominee details.

  • Step 5

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Bardhaman?

As your FD term ends, evaluating the advantages of choosing to renew your Shriram FD in Bardhaman might foster continued financial development. Check our website or approach a local branch to handle your renewal. These steps illustrate how to complete your FD renewal through our digital channels

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 Select the FD amount and tenure.
Review
Step 5 Review and confirm the terms of the renewed FD investment and confirm the renewal.
Confirm
Step 6 Once the renewal process is complete, a confirmation of the FD renewal will be sent to you.

Shriram Fixed Deposit Branches in Bardhaman

Shriram Finance has purposefully established FD branches in Bardhaman to address your fixed deposit requirements. These client-dedicated outlets include experienced financial professionals who offer personalised counsel on how to open fixed deposit accounts or administer current Unnati Fixed Deposit Scheme arrangements. Below is the compilation of Shriram Finance branches in Bardhaman

Burdwan - I

  • Third Floor, Swapnaanir, DVC More, P.O - Sripally BARDHAMAN, WEST BENGAL Pincode713101 Phone18001036369

Burdwan

  • Radhakrishna Bhawan , 1st Floor, G. T. Road, Bhangakuthi, Opposite Charuchandra Petrol Pump BARDHAMAN, WEST BENGAL Pincode713104 Phone18001036369

Guskara

  • First Floor, Opposite to Samrat Furniture Shop, Station Main Road, Ward No. 6, Police Station - Aushgram, Post Office Gushkara, Purba Bardhaman BARDHAMAN, WEST BENGAL Pincode713128 Phone18001036369
View All Branches

Shriram FD Customer Care in Bardhaman

As concerns surface or you require additional information about your fixed deposit account, our knowledgeable Fixed Deposit Customer Care team in Bardhaman stands ready to deliver in-depth clarification. Contact our phone support line for prompt help with your investments. Our complete customer service details remain accessible whenever necessary.

Toll Free

Shriram FD Status in Bardhaman

To check your Shriram Fixed Deposit status in Bardhaman, utilise our advanced digital portal or connect with our attentive customer care personnel. Routine evaluation of your FD status helps you remain knowledgeable about forthcoming maturity dates and interest accumulations.

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 Bardhaman?

The minimum deposit amount for a fixed deposit in Bardhaman for Shriram FD is RsRs.5000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Bardhaman?

The interest rate on FD in Bardhaman 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 Bardhaman?

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

Yes, premature withdrawal of a fixed deposit is allowed in Bardhaman; however, it may involve penalties or decreased interest rates. It is advisable to check the specific terms before proceeding.

Can I open a Fixed Deposit in Bardhaman in the name of a minor?

Yes, you can open a fixed deposit account in a minor's name with guardian authorisation with Shriram Fixed Deposit.

Is there any penalty for premature withdrawal of a Fixed Deposit?

Yes, penalties generally apply for premature withdrawal of a fixed deposit. This penalty typically involves a reduction in the applicable interest rates for the deposit.

Can I change the nominee for my Fixed Deposit in Bardhaman?

Yes, you can alter the nominee for your FD account in Bardhaman. This procedure usually requires submitting a request form with valid identification documents of the new nominee.

Can I open multiple Fixed Deposits in Bardhaman?

Yes, you can establish multiple fixed deposits in Bardhaman across different financial institutions or within the same banking organisation.

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

Generally, there is no maximum limit; however, some financial institutions may have specific schemes with defined limits.

Can I open a Fixed Deposit in a joint account in Bardhaman?

Yes, you can create a fixed deposit account in a joint account in Bardhaman according to the financial institution's terms and conditions.

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

Yes, many financial organisations offer preferential fixed deposit interest rates for senior citizens compared to regular deposits. For instance, Shriram Finance provides an 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 Bardhaman?

Shriram Finance offers an additional 0.50%* p.a. interest rate for senior citizens compared to standard depositors.

Is there a difference between FD interest rates for different tenures in Bardhaman?

Yes, FD interest rates can vary based on tenure. Generally, longer tenures may provide higher interest rates compared to shorter ones due to the extended commitment period from the depositor.

What is the process to close a Fixed Deposit prematurely in Bardhaman?

To close a Shriram FD prematurely, present the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI directives, a deposit receipt cannot be prematurely closed within three months from the date of deposit/renewal except in case of the depositor's death.

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.