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)

T&C Apply

Terms and Conditions

Your Consent to Proceed
To help us serve you better, we need your permission for a few things. Please read and agree before continuing.
*By proceeding, you indicate that you are subscribing to our service and promotional calls.

1. Sharing & Using Your Information

You allow Shriram Finance Limited (SFL) to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when SFL considers such disclosure/ fetching as necessary, with/ from

Our employees, contracted agents and service providers
Credit bureaus, auditors, government and regulatory bodies
KYC agencies (UIDAI, CERSAI)

We do this to:

Help you apply and complete your onboarding
Verify your identity and do KYC checks
Follow legal and regulatory requirements
Check your creditworthiness
Process your data securely for risk review, scoring, and support
Contact you for service-related matters
Report defaults and recover overdue amounts if needed

2. Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

3. Privacy Policy

You confirm that you've read and understood our Privacy Policy, and you agree to review any updates we may make from time to time.

4. Terms & Conditions

You also agree to our Terms & Conditions, which govern your use of our services. Please read them carefully before proceeding.

5. Help from Our Support Team

You give us permission to share your details with our service partners. They may contact you to help you complete your application or guide you through the onboarding process. This consent will override any registrations with NCPR/NDNC.

KYC related Terms and Conditions

CKYC Consent -

I hereby authorize SFL to verify/check/obtain/download/upload/update my KYC details from/with the Central KYC Registry(CERSAI):

By verifying such details through the CKYC number (i.e. KYC Identifier Number - KIN) provided by me or
By obtaining such CKYC number/KIN, through details shared by me for this Application Form.
I hereby consent for receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.

Aadhaar based authentication (Aadhaar eKYC) or verification (Aadhaar OKYC) facility provided by Unique Identification Authority of India "UIDAI" -

E-KYC Consent -

At my own discretion, I voluntarily opt to perform and avail Aadhaar based authentication (eKYC) or verification (OKYC) from UIDAI and hereby submit to the SFL, the physical copy of Aadhaar card / physical e-Aadhaar / masked Aadhaar / Aadhaar Secure QR code / offline electronic Aadhaar xml as issued by UIDAI (Aadhaar), Aadhaar number, Virtual ID, e-Aadhaar, Aadhaar Letter, XML file, date of birth, Aadhaar holder name, photo, demographic information, face authentication details and/or biometric information (collectively, "Information") for the purpose of establishing my identity / address proof or in the capacity of guardian of my minor child's identity / address.
I am informed by the SFL that in connection with Aadhaar e-KYC or Aadhaar OKYC services, SFL shall share Aadhaar number and/or biometrics with CIDR/UIDAI, and in response, the CIDR/UIDAI shall share with SFL, the authentication data or verification data such as Aadhaar Holder Name, Date of Birth, Address, Photo, and Registered Mobile Number.

PURPOSE: I for myself/as guardian of minor child, authorise and give my consent to the SFL, for following informed purposes: -

Above mentioned information shall be used for KYC and periodic KYC updation process as per the PML Act, 2002 and rules thereunder and RBI guidelines, or for establishing my identity, carrying out my identification, e-KYC, or OKYC, or Yes/No Authentication, demographic or other authentication / verification / identification as may be permitted as per applicable law, for all accounts, facilities, services and relationships of/through the SFL, existing and future.
Collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/verification/ identification records:for the informed purposes above, as well as for regulatory and legal reporting and filings and/or where required under applicable law; producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration.
I further understand that Aadhaar number and core biometrics will not be stored/ shared except as per laws/regulations and for CIDR/UIDAI submission.
I shall be submitting to the Company any one of the Officially Valid documents such as Aadhaar, Voter ID, Driving License or Passport for customer due diligence/KYC process.

CONSENT DATA AND INFORMATION SHARING FROM FOR DIGILOCKER PROVIDED BY MEIT (Ministry of Electronics and Information Technology):

I authorise and give my consent to the SFL to obtain, share and store Certified Copy of Officially Valid Documents (OVD) or equivalent e-documents of OVD including documents issued through secured cloud based Digilocker platform of MeIT for the purpose of availing Financial Products from SFL.

KYC through Video Customer Identification Process(VCIP) – If I opt for VCIP Mode, I hereby agree and acknowledge/authorise:

That video based KYC validation (” Video KYC process”) has been provided as alternate method for establishing my identity with SFL
That my KYC will be completed by SFL, through Video KYC process, in accordance with process provided under the prevailing regulation, including Master Direction Know Your Customer (KYC) Direction, 2016, issued by Reserve Bank of India(“RBI”) and the amendments thereof.
All particulars, information and details to be provided by me in relation to this Video KYC process represent the true, correct and upto date information of myself in all respects.
That Video KYC process shall include but shall not be limited to the following steps concluded by authorised officer of SFL:
Live capturing of photo, along with live GPS co-ordinate (Geo-tagging) of the customer undertaking the VCIP and date time stamp where such live photo is being taken;
Permanent Account Number (PAN) is mandatory for onboarding through V-CIP mode and capturing clear image of PAN card during the V-CIP process. The PAN details will be verified from the verification facility of the issuing authority.
If Aadhaar card is permitted to be accepted as a documentary proof under law/regulation, the same will be obtained as contemplated under the prevalent law/regulation.
Video recording of the interaction (for concluding Video KYC) will be stored by SFL in accordance with applicable law/regulation.

Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

Fixed Deposit In Bhagalpur

Establishing a Fixed Deposit in Bhagalpur provides residents with a balanced approach to savings that emphasises stability while allowing for growth. The FD in Bhagalpur offers structured financial instruments with transparent terms for confident decision-making. This guide explores vital information about fixed deposit options, from interest rates to maturity features, supporting you in crafting investment strategies that address immediate financial requirements while building toward future security.

Types of Fixed Deposits

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

Cumulative Fixed Deposit

A Cumulative Fixed Deposit works through interest retention rather than distribution, with earnings systematically added to your principal sum. This creates a progressive compounding mechanism that accelerates your wealth growth, producing returns on both your initial investment and previously accumulated interest. At maturity, you receive the total amount comprising your original deposit plus all compounded earnings. This approach particularly suits investors seeking significant long-term capital appreciation without needing regular income streams.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates interest payouts at scheduled intervals, establishing a dependable income flow. These distributions, calculated using simple interest methodology, can be arranged monthly, quarterly, or annually based on your requirements. This structure provides consistent returns and improved liquidity compared to cumulative options, especially beneficial for those managing recurring expenses.

FD for Senior Citizens

This FD type provides an additional 0.50%* p.a. interest rate for senior citizens.

Fixed Deposit for Women

Women depositors receive an extra 0.05%* p.a. interest rate.

Fixed Deposit for NRI

Non-Resident Indians can invest in FDs through offline channels in India.

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

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

Acknowledging the key benefits and characteristics of fixed deposits supports the development of strategic investment approaches. The vital components of FD include

Predictable returnsPredictable returns

Compounding benefitsCompounding benefits

Flexible tenureFlexible tenure

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Special interest benefit for senior citizens and women depositors Special interest benefit for senior citizens and women depositors

Low minimum investment amountLow minimum investment amount

Attractive interest ratesAttractive interest rates

Shriram Fixed Deposit Interest Rates in Bhagalpur

FD rates in Bhagalpur present noticeable variation across numerous banking institutions and NBFCs. Strategic investors carefully examine available options before committing their savings. Your interest earnings generally vary according to elements including your chosen investment timeframe and the specific financial entity holding 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
12	7.00
^{(Digital Only)}15	7.25
18- 23	7.15
24- 35	7.25
36-60	7.60

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.
12	6.79	6.82	6.88	7.00
^{(Digital Only)}15	7.02	7.06	7.12	7.25
18 - 23	6.93	6.97	7.03	7.15
24 - 35	7.02	7.06	7.12	7.25
36 - 60	7.35	7.39	7.46	7.60

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.

Note: Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit / renewal.

The above additional interest rates will be applied on the yearly rate, which will be factored correspondingly into the calculation of compounding interest rates for periods shorter than a year, including monthly, quarterly, and half-yearly rates.

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 %

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Bhagalpur

Establishing a Shriram Fixed Deposit in Bhagalpur requires meeting particular eligibility conditions. The categories authorised to commence fixed deposits in Bhagalpur consist of

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

How to Invest in Fixed Deposit with Shriram in Bhagalpur

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit is simple whether you choose digital methods or decide to visit a Bhagalpur branch directly to provide your documentation. Collect all required identity and address verification materials ahead of time for a fluid application experience. Generally, these structured steps enable you to create an FD through online channels.

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 Bhagalpur?

When your fixed deposit reaches maturity, evaluating the positive aspects of renewing your Shriram FD in Bhagalpur may assist in maintaining your financial momentum. Visit our website or connect with a nearby branch to initiate your renewal. These guidelines explain how to efficiently complete your FD renewal via our digital platform

Shriram Fixed Deposit Branches in Bhagalpur

To support your fixed deposit aspirations, Shriram Finance has strategically positioned FD branches in Bhagalpur. These client-focused centres are staffed with capable financial specialists who provide tailored assistance on how to open fixed deposit accounts or review current Unnati Fixed Deposit Scheme holdings. The following is an overview of Shriram Finance branches in Bhagalpur

Naugachia

1st Floor, Above SBI ATM, Near UCO Bank, NH 31, Naugachia BHAGALPUR, BIHAR Pincode853204 Phone18001034959

Bhagalpur

Ground Floor of Sanjay Arcade, Mahatma Gandhi Path, Bose Park, Near Bhawna Hotel BHAGALPUR, BIHAR Pincode812001 Phone18001036369

Bhagalpur - I

No 23, Third Floor, Patal Babu Road, Janki Prasad Lane, Mundichak, Jagdish BHAGALPUR, BIHAR Pincode812001 Phone18001036369

View All Branches

Shriram FD Customer Care in Bhagalpur

If you have questions or need more information regarding your fixed deposit account, our professional Fixed Deposit Customer Care team in Bhagalpur is prepared to deliver extensive support. Reach out to our telephone helpline for efficient assistance with your investments. Our full customer service information is accessible at all times.

Toll Free

Shriram FD Status in Bhagalpur

To monitor your Shriram Fixed Deposit status in Bhagalpur, employ our efficient online system or reach out to our dedicated service representatives. Periodic checking of your FD status allows you to maintain awareness of approaching maturity periods and interest growth.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai

Fixed deposit in pune

Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Bhagalpur?

The interest rate on FD in Bhagalpur 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 Bhagalpur?

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

Yes, premature withdrawal of a fixed deposit is acceptable in Bhagalpur; however, it may lead to penalties or lower interest rates. It is sensible to verify the specific conditions before taking this step.

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

Yes, you can create a fixed deposit account in a minor's name with guardian 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 frequently entails a reduction in the interest rates that would be applicable to the deposit.

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

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

Can I open multiple Fixed Deposits in Bhagalpur?

Yes, you can establish multiple fixed deposits in Bhagalpur with different financial organisations or within the same financial provider.

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

Typically, there is no upper limit; however, some financial institutions may have specific schemes with established limitations.

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

Yes, you can initiate a fixed deposit account in a joint account in Bhagalpur according to the financial institution's terms and requirements.

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

Yes, numerous financial institutions offer preferential fixed deposit interest rates for senior citizens compared to regular deposits. For example, Shriram Finance offers 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 Bhagalpur?

Shriram Finance grants an extra 0.50%* p.a. interest rate for senior citizens in contrast to regular depositors.

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

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

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

To prematurely close a Shriram FD, present the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI regulations, a deposit receipt cannot be prematurely closed before three months from the deposit/renewal date 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.

Non Resident Indian