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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 Basti

People of Basti are gradually shifting towards safer savings methods that offer stability. In this city, fixed deposits (FDs) have become a preferred choice for those who want steady growth without taking unnecessary financial risks. It suits individuals from all walks of life be it salaried earners, small business owners, or retired professionals. The reliability of fixed returns helps them plan better for future needs. Shriram Finance enables you to open a Fixed Deposit in Basti with competitive interest rates, making it easier for residents to start saving without complications. With Shriram Fixed Deposit, investors get the benefit of flexible tenure and low minimum investment, which makes it accessible for many. If you are planning to grow your money without dealing with market volatility, an FD in Basti can be a sensible option. Visit Shriram Finance and begin your savings journey with confidence.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

In a Cumulative Fixed Deposit, interest is not paid at intervals but added to the principal throughout the tenure. The total amount grows as the interest compounds over time. At the end of the term, the investor receives a single lump sum that includes both the initial deposit and the earned interest. This option is well-suited for those focused on long-term savings without the need for regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit allows for regular interest payouts, providing a reliable income stream. The interest is based on simple interest and can be disbursed monthly, quarterly, or annually. These FDs are more liquid compared to cumulative ones and are ideal for individuals with ongoing financial responsibilities.

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

Understanding the fixed deposit features and benefits can support smarter financial planning. Here’s a brief overview of the main features and advantages 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 Basti

The FD rates in Basti are not the same across all banks and financial institutions. It’s important to check and compare rates to make the most of your investment. These rates usually depend on the term and the institution offering the 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 Basti

Opening a fixed deposit account with Shriram Finance requires meeting certain eligibility standards. Typically, the following criteria should be satisfied to apply 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 Basti

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. An FD account can be opened either online or by going to a branch. Have all the required documents handy for a seamless experience. Typically, the steps below show how to invest in FD through the online method.

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 Basti?

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

Our FD branches in Basti are set up to handle all fixed deposit-related services. Trained staff at each location are available to help you open fixed deposit or manage your Unnati Fixed Deposit Scheme account. Find the list of our Basti branches below.

Basti

  • 1st Floor, Vijaya Palace, Katra Chauraha, Near Water Tank Basti, Gandhi Nagar BASTI,UTTAR PRADESH Pincode: 272001 Phone:18001036369

Basti - Gorakhpur

  • No:1323, Nikat Kateshwar Park,Post- Gandhi Nagar Amhat BASTI,UTTAR PRADESH Pincode: 272001 Phone:18001036369

Kiraoli

  • 1st Floor, House No. 124, Ward No 7, Vasant Vihar Colony, Kiraoli AGRA,UTTAR PRADESH Pincode: 283122 Phone:18001036369
View All Branches

Shriram FD Customer Care in Basti

For any support regarding your FD account, you can get in touch with our Fixed Deposit Customer Care team. They’re ready to assist you with quick and helpful responses to all your investment queries. Contact information is provided below.

Toll Free

Shriram FD Status in Basti

To check your Shriram Fixed Deposit status in Basti, you can use our digital services or call customer support. Regular checks help ensure you are always aware of your FD maturity and interest details.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

The interest rate on FD in Basti 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 Basti?

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

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

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

Can I open multiple Fixed Deposits in Basti?

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

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

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 Basti?

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

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

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 Basti?

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 Basti?

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 Basti?

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.