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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 Bhavnagar

Thinking of saving, but not sure where to begin? Many people in Bhavnagar feel the same. Starting is often the hardest part, especially when you’re unsure which option gives you clarity and control. A Shriram Fixed Deposit helps you take that first step with ease. You don’t need to navigate complex terms or processes. You choose how much to invest, for how long, and how you’d prefer to receive your interest simple and flexible. This guide is here to walk you through everything you need to know about a Fixed Deposit in Bhavnagar. Whether you’re planning short-term or long-term, an FD in Bhavnagar with Shriram Finance can help you move forward one choice at a time.

Types of Fixed Deposits

Shriram Finance in Bhavnagar provides fixed deposit plans for different saving habits.

interest rates

Cumulative Fixed Deposit

The interest earned gets added to your deposit amount, which grows throughout the term. There are no payouts until maturity, at which point you receive the full sum. This helps your money grow through compounding. It is a good option for saving towards a long-term goal without needing regular income.

achievement

Non-Cumulative Fixed Deposit

This type pays you interest at fixed intervals—monthly, quarterly, or yearly—depending on what you choose. It ensures regular earnings that can support your expenses. The interest is calculated in a straightforward way and paid as scheduled. You can pick the deposit that best fits your current and future financial needs.

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.

Also, our FDs can be used for various other financial goals

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

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

Understanding how fixed deposits work and what they offer is useful for making the right financial choices in Bhavnagar. Below are their main features and benefits.

Flex Tenure
Attractive interest ratesAttractive interest rates
Attractive Interest
Compounding benefitsCompounding benefits
Compounding Benefit
Flexible tenureFlexible tenure
Static Alt Text
Predictable returns Predictable returns
Predictable Return
Special interest benefit for senior citizens and women depositors Special interest benefit for senior citizens and women depositors
Cumulative
Cumulative and non-cumulative schemes Cumulative and non-cumulative schemes
Low Investment
Low minimum investment amount Low minimum investment amount

Shriram Fixed Deposit Interest Rates in Bhavnagar

FD rates in Bhavnagar may not be the same across financial organisations and depend on the time period of the deposit. It is important to compare available rates to ensure your savings goals are met. Whether you’re planning for a fixed monthly return or long-term financial growth, choosing the right fixed deposit can help you manage your money better and stay on track with your personal financial plans. 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Bhavnagar

To start a fixed deposit in Bhavnagar, you must meet some eligibility norms. These standard conditions mentioned below are typically expected when applying for a fixed deposit

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

How to Invest in Fixed Deposit with Shriram in Bhavnagar

In Bhavnagar, Shriram Finance offers a convenient way to invest in its Shriram Unnati Fixed Deposit. You may apply online or by going to a local branch. With competitive interest rates and flexible terms, the application becomes easy when documents are prepared in advance. The steps below explain how to apply for the Shriram Unnati Fixed Deposit online.

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

    Complete the payment online and add nominee details.

  • Step 5

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Bhavnagar?

Once your fixed deposit matures, you can renew your Shriram FD in Bhavnagar and keep earning interest on your deposit. This process is available online through the website or mobile app. You can also visit your local branch if needed. See the steps below 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 Select the FD amount and tenure.
Review
Step 5 Review and confirm the terms of the renewed FD investment and confirm the renewal.
Confirm
Step 6 Once the renewal process is complete, a confirmation of the FD renewal will be sent to you.

Shriram Fixed Deposit Branches in Bhavnagar

To assist with all your FD needs, Shriram Finance has set up FD branches in Bhavnagar. Visit your nearest branch to open fixed deposits, make updates, or renew your existing Shriram Unnati FD. Staff at these branches are available to guide you through the application or renewal steps with clear instructions.

Sihor

  • First Floor, Office No. 1, Plot No. 194/B, Umiya Mobile Complex, Opposite to Mamatladar Office, Sihor BHAVNAGAR, GUJARAT Pincode364240 Phone18001034959

Mahuva

  • Plot 212/A, Above ICICI, Near Hotel Heaven Canal Road, Mahuva BHAVNAGAR, GUJARAT Pincode364290 Phone18001034959

Talaja

  • Office No.101, 102, 103, First Floor, Mandavray Complex, Bhavnagar - Talaja Road, Talaja BHAVNAGAR, GUJARAT Pincode364140 Phone18001034959
View All Branches

Shriram FD Customer Care in Bhavnagar

For any queries or support related to yoIf you have any fixed deposit concerns in Bhavnagar, you can contact our Customer Care team for guidance. Get in touch by calling the numbers provided below. Our team is available to assist you with any FD-related queries or support. ur fixed deposit account, our Fixed Deposit Customer Care team is here to assist you. You can reach us by phone for prompt help with your investments. Below are the customer care contact numbers

Toll Free

Shriram FD Status in Bhavnagar

To get information on your Fixed deposit in Bhavnagar, make use of online services or get support from customer care. These tools ensure you remain aware of important aspects like interest and maturity, helping you make thoughtful choices related to your investments and savings.

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 Bhavnagar?

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

What is the interest rate on Fixed Deposits in Bhavnagar?

The interest rate on FD in Bhavnagar 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 Bhavnagar?

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

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 Bhavnagar 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 Bhavnagar?

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

Can I open multiple Fixed Deposits in Bhavnagar?

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 Bhavnagar?

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 Bhavnagar?

Yes, you can open a fixed deposit account in a joint account in Bhavnagar subject to the financial institutions terms and conditions.

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

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 Bhavnagar?

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 Bhavnagar?

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 Bhavnagar?

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.