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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 Belagavi

Not every financial choice needs to be risky. In Belagavi, many people want to grow their money but hesitate when it comes to unpredictable returns. If you're looking for something more stable, starting with a fixed deposit could be the right move. With a Shriram Fixed Deposit, you have the freedom to plan your savings—on your terms. Choose how long you want to invest, when you'd like your interest paid, and how much you're comfortable starting with. It’s a straightforward way to stay in control of your money. This guide will help you understand how a Fixed Deposit in Belagavi works and what to keep in mind. Whether you're just exploring or ready to invest, an FD in Belagavi with Shriram Finance can offer a steady step forward.

Types of Fixed Deposits

Shriram Finance in Belagavi offers fixed deposit schemes made to fit different savings preferences.

interest rates

Cumulative Fixed Deposit

In this option, the interest is added back to your principal. There are no payouts during the deposit term. You receive the entire amount with interest when the deposit matures. Compounding helps grow the total amount. This is good for long-term savers who don’t need frequent interest income.

achievement

Non-Cumulative Fixed Deposit

This deposit pays interest regularly—monthly, quarterly, or annually—depending on your choice. It provides regular cash flow, helping you meet day-to-day expenses. The calculation of interest is simple, and payouts are timely. You can choose based on your need for a steady income or future 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

In Belagavi, knowing about fixed deposit features and benefits can help with smart money decisions. Below are the key features and benefits to keep in mind.

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 Belagavi

FD rates in Belagavi differ from one financial provider to another, based on the tenure of the deposit and the institution’s terms. Comparing the available interest rates is an important step in selecting the right fixed deposit plan. Depending on your financial needs regular income or future savings you can pick an option that helps you stay on track and manage your funds according to your specific savings goals. 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 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 Belagavi

Before starting a fixed deposit in Belagavi, there are certain eligibility criteria to consider. Generally, the basic conditions listed below apply to most fixed deposit plans.

  • 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 Belagavi

Shriram Finance in Belagavi gives you the option to invest in a Shriram Unnati Fixed Deposit either online or by visiting one of their branches. The FD comes with flexible tenure and attractive rates. Having the necessary documents at hand will help speed up the application process. You can follow the steps below to invest in the fixed deposit through the online route.

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 Belagavi?

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

Customers looking to manage or open fixed deposits can visit Shriram Finance’s FD branches in Belagavi. These branches provide personal assistance with account opening, updates, and renewals. Staff can help you select the right FD tenure and explain how interest is paid. All FD-related services are available under one roof.

Belgaum

  • Dynasty One, CTS No. 4801/2, Behind RTO office, Old P.B.Road BELAGAVI,KARNATAKA Pincode: 590002 Phone:18001036369

Bailhongal

  • Ozone Complex, 1st Floor, Motibag Industries Compound, Bailhongal BELAGAVI,KARNATAKA Pincode: 591102 Phone:18001036369

Belgaum - I

  • No.1561, 2nd Floor, NSS Trust Building, Maruti Galli BELAGAVI,KARNATAKA Pincode: 590001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Belagavi

For fixed deposit queries in Belagavi, our Customer Care team is here to support you. Whether it’s about your account or investment details, feel free to call us. The required contact numbers to reach our team are listed below for your convenience.

Toll Free

Shriram FD Status in Belagavi

You can track your Fixed deposit in Belagavi by using online resources or by calling customer care. These options help you access key details like maturity and interest, allowing you to make financial decisions that align with your savings goals and stay informed about your deposit.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

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

The interest rate on FD in Belagavi 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 Belagavi?

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

Yes, premature withdrawal of a fixed deposit usually incurs a penalty, which typically involves a reduction in the applicable interest rate.

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

Yes, with Shriram Fixed Deposit, you can open a fixed deposit account for a minor as long as the guardian provides their consent.

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

Yes, premature withdrawal of a fixed deposit usually results in a penalty that reduces the applicable interest rate on the deposit.

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

Yes, you can update the nominee for your FD account in Belagavi by submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Belagavi?

Yes, opening multiple fixed deposits is permitted both within one financial institution and across several institutions.

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

There is usually no upper limit on fixed deposits unless specified under particular schemes offered by financial institutions.

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

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

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

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 Belagavi?

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 Belagavi?

Yes, FD interest rates can vary depending on the tenure. Longer tenures generally provide different rates compared to shorter ones due to the duration of commitment.

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

To close a Shriram Fixed Deposit prematurely, you need to submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, premature closure is not permitted within three months of deposit/renewal unless it is due to 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.