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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 Bharuch

Bharuch, a city with a rich industrial and historical background, presents a range of opportunities to secure your financial future and foster growth. Among these, a Fixed Deposit in Bharuch stands out as a stable and reliable investment option, offering the potential for consistent returns. This guide aims to equip you with valuable information about FD in Bharuch, including the benefits, current interest rates, and practical tips for selecting a fixed deposit scheme that aligns with your financial objectives. By understanding these key aspects, you can make informed choices to enhance your savings and build a strong financial foundation in this vibrant city.

Types of Fixed Deposits

Here are the various fixed deposits available to help you meet your financial objectives.

interest rates

Cumulative Fixed Deposit

This investment option doesn't pay out interest at regular intervals. Instead, the interest you earn gets added back to your original amount. This creates a powerful growth effect where your money earns more money over time, as you receive interest on both your initial deposit and previously earned interest. When your deposit matures, you receive everything at once both your original investment and all the accumulated interest. Cumulative FDs are ideal for those wanting long-term growth without needing regular income, making the most of compound interest to maximise returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest payments at regular intervals, creating a steady stream of income. Your earnings are calculated using simple interest methods and can be paid monthly, quarterly, or yearly. This option offers predictable returns and better access to your money compared to cumulative deposits, making it suitable for meeting recurring expenses.

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 fixed deposit features helps you make informed investment decisions. Here are the main advantages:

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 Bharuch

Fixed deposit rates in Bharuch vary considerably between financial institutions. It's worthwhile to compare different offers to ensure you get the best returns. Generally, interest rates depend on factors such as the investment duration and the type of 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 Bharuch

Before opening a fixed deposit account, you need to ensure you meet the eligibility criteria. Typically, these groups can open 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 Bharuch

Shriram Finance offers competitive interest rates and flexible time periods with their Shriram Unnati Fixed Deposit. You can start an account online or visit a branch to complete the application process. Make sure you have all necessary documents ready for a smooth experience. To invest online, follow these steps.

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 Bharuch?

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

Shriram Finance has FD branches in Bharuch to serve all your fixed deposit needs. These branches are staffed with professionals who provide expert guidance on how to open fixed deposit accounts or help manage existing investments within the Unnati Fixed Deposit Scheme. Our Bharuch branches are located at.

Bharuch

  • 1st & 2nd Floor, Above Yamaha Showroom, Opposite Govardhan Hospital, Old NH 8, College Road BHARUCH,GUJARAT Pincode: 392001 Phone:18001036369

Ankleshwar

  • Shop No-SF 16/17/26, 2nd Floor Omkar-2, Near Ravikiran Complex, Old NH-8, Valiya Road, Ankleshwar BHARUCH,GUJARAT Pincode: 393001 Phone:18001036369

Netrang

  • Shop No. 16/70/5, 1st Floor, S. K. Park Society, Chasvad Road, Shanti Nagar, Near Swaminarayan Temple, Netrang BHARUCH,GUJARAT Pincode: 393130 Phone:18001034959
View All Branches

Shriram FD Customer Care in Bharuch

Should you have any queries or require assistance with your fixed deposit account, our dedicated Fixed Deposit Customer Care team is ready to help. Simply ring one of our customer service numbers for prompt support with any investment-related questions. Our helplines are.

Toll Free

Shriram FD Status in Bharuch

To monitor your Shriram Fixed Deposit status in Bharuch, you can either use our online services or contact our customer care team directly. Regular status checks help you stay updated on maturity dates and interest accruals.

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 Bharuch?

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

The interest rate on FD in Bharuch 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 Bharuch?

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

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

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

Can I open multiple Fixed Deposits in Bharuch?

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

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

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 Bharuch?

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

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

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 Bharuch?

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 Bharuch?

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 Bharuch?

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.