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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 Berhampur

Berhampur's rich cultural heritage and economic vibrancy make it an ideal location for prudent financial planning. When considering a Fixed Deposit in Berhampur, residents gain access to a dependable investment avenue that balances protection and revenue generation. FD in Berhampur options provide structured approaches that allow for methodical wealth accumulation. Our detailed exploration guides you through essential aspects of fixed deposits, including current rates and flexibility options, equipping you to align your investment choices with both your immediate financial needs and future goals.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations in Berhampur.

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit functions by interest accumulation rather than distribution, with earnings systematically added to your principal sum. This creates an expanding compounding mechanism that boosts your wealth development, yielding returns on both your original investment and previously gathered interest. At maturity, you collect the entire amount including your initial deposit plus all compounded returns. This arrangement especially serves those pursuing significant long-term asset appreciation without needing regular income streams.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit arranges for interest payouts at established intervals, establishing a dependable income flow. These payments, determined using simple interest calculations, can be scheduled monthly, quarterly, or yearly according to your preference. This approach provides consistent returns and improved access to funds compared to cumulative options, particularly supporting individuals with recurring financial commitments.

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

To maximise your investment potential, it's crucial to be familiar with the primary features and advantages of fixed deposits. The fundamental aspects 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 Berhampur

FD rates in Berhampur demonstrate considerable variance between different financial institutions and NBFCs. Strategic savers often assess numerous alternatives prior to finalising their investment decision. The returns you receive commonly depend on aspects including your preferred investment duration and the particular banking organisation safeguarding 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 Berhampur

For opening a Shriram Finance fixed deposit in Berhampur, applicants need to fulfill certain eligibility requirements. The groups authorised to create fixed deposits in Berhampur include.

  • 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 Berhampur

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Initiating a fixed deposit is accessible via internet-based services or by physically visiting a Berhampur branch to deliver your paperwork. Assemble all essential identity and residential verification documents in advance for an efficient registration experience. In most cases, these organised steps permit you to arrange an FD using online 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 :

    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 Berhampur?

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

Shriram Finance has strategically established FD branches in Berhampur to fulfil your fixed deposit aspirations. These customer-centric facilities employ knowledgeable financial specialists who offer customized guidance on how to open fixed deposit accounts or administer current Unnati Fixed Deposit Scheme portfolios.

Berhampur

  • Swarnika Plaza, 2nd Floor, Badakhemundi Bunglow, SBI Road, PS-Baidyanath Pur BERHAMPUR,ODISHA Pincode: 760001 Phone:18001036369

Balasore - I

  • H.No: 648/36, 1248/36, Ward No:24,Bhaskar Ganj Street, Near Station Road, P.S.Sahadev Khunta (PO) BALESWAR,ODISHA Pincode: 756001 Phone:18001036369

Balasore

  • Floor I, Dr. Pradhan Market Complex, Near Canara Bank, Balia, Balasore BALESWAR,ODISHA Pincode: 756001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Berhampur

Should you have inquiries or require further information regarding your fixed deposit account, our dedicated Fixed Deposit Customer Care team in Berhampur is prepared to deliver detailed explanations. Contact our phone support line for quick assistance with your investments. Our complete customer service details are continuously available when required.

Toll Free

Shriram FD Status in Berhampur

To verify your Shriram Fixed Deposit status in Berhampur, leverage our advanced digital system or connect with our dedicated customer service representatives. Periodic assessment of your FD status helps you remain aware of forthcoming maturity periods and interest accumulations.

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Fixed Deposit FAQs

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

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

The interest rate on FD in Berhampur 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 Berhampur?

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

Yes, premature withdrawal of a fixed deposit is allowed in Berhampur; however, it might incur penalties or diminished interest rates. It's advisable to review the specific terms before proceeding.

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

Yes, you can establish a fixed deposit account for a minor with guardian consent with Shriram Fixed Deposit.

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

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

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

Yes, you can update the nominee for your FD account in Berhampur. This procedure typically requires submitting a request form with valid identification information of the new nominee.

Can I open multiple Fixed Deposits in Berhampur?

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

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

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

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

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

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

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 Berhampur?

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 Berhampur?

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 Berhampur?

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.