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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 Bikaner

Managing your money with care is essential, especially when planning for the future. In Bikaner, fixed deposits remain a common option for individuals who wish to save in a structured and predictable way. It allows you to set aside a fixed sum for a selected period and receive returns at regular intervals or at maturity. This guide will help you understand the process of starting a Fixed Deposit in Bikaner with Shriram Finance. A Shriram Fixed Deposit gives you the flexibility to choose how long you wish to invest and how often you want to receive interest. If you are thinking about starting an FD in Bikaner, this guide will provide the necessary information to help you plan your savings with clarity and purpose.

Types of Fixed Deposits

At Shriram Finance in Bikaner, fixed deposit choices are designed to support various savings needs.

interest rates

Cumulative Fixed Deposit

With this type, interest is not paid out periodically but added to your principal. Over time, it grows through compounding and is paid in full at maturity. It can be helpful for those who do not need regular payouts and prefer to let their savings grow.

achievement

Non-Cumulative Fixed Deposit

This type pays interest regularly monthly, quarterly, or yearly as per your selection. It supports routine spending and offers steady returns. The interest is worked out using a simple method and paid as scheduled. Depending on your financial needs, you can choose the option that fits best. Shriram Finance in Bikaner allows you to open and manage your fixed deposit through branches or their online facility.

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

When planning your savings in Bikaner, it helps to learn about the key features and advantages of fixed deposits. This information makes it easier to select the right option. Below are some important aspects of fixed deposits that you should be aware of.

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 Bikaner

FD rates in Bikaner change depending on which institution you choose and how long you wish to invest. Interest rates can vary, so it helps to compare them across providers. Whether your goal is to get regular interest or to allow your savings to grow over time, picking the right fixed deposit plan helps you stay in control of your finances and work towards your savings goals effectively. 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 Bikaner

If you plan to open a fixed deposit in Bikaner, there are a few eligibility rules to keep in mind. Usually, the basic conditions listed below must be fulfilled to begin your fixed deposit.

  • 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 Bikaner

Shriram Finance introduces the Shriram Unnati Fixed Deposit to Bikaner with application options both online and at branches. This fixed deposit offers flexible terms and practical interest rates. Having your documents prepared will help in completing the process faster. You can follow the steps given below to open your Shriram Unnati Fixed Deposit through the online platform.

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 Bikaner?

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

At FD branches in Bikaner, Shriram Finance staff can help you open fixed deposits and answer any questions related to them. These branches offer assistance with renewals and other account-related services. If you prefer in-person guidance, visiting a branch can make the process easier and more informed.

Bikaner

  • 1st Floor, Punjab National Bank, Rani Bazar BIKANER,RAJASTHAN Pincode: 334001 Phone:18001036369

Bikaner - I

  • Second Floor, Government Press Road, Near Fort Dispensary, above Punjab National Bank, Bikaner City BIKANER,RAJASTHAN Pincode: 334001 Phone:18001036369

Khajuwala

  • 1st Floor, Shop No-19-20, Sector Roadways Bus Stand, Dantour Road, Above Bank of Baroda, Khajuwala BIKANER,RAJASTHAN Pincode: 334023 Phone:18001036369
View All Branches

Shriram FD Customer Care in Bikaner

In Bikaner, you may contact our Fixed Deposit Customer Care team for assistance regarding your FD account. The team is available to answer your queries. To make things easier, customer care contact details are listed below for your convenience.

Toll Free

Shriram FD Status in Bikaner

For details regarding your Fixed deposit in Bikaner, you may use the online platform or speak to customer care. These resources give you information about maturity dates and earned interest, helping you understand your deposit better and giving you the flexibility to monitor it whenever needed.

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 Bikaner?

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

The interest rate on FD in Bikaner 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 Bikaner?

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

Yes, in Bikaner, you may withdraw your fixed deposit before maturity; however, this often involves a penalty, typically resulting in a reduced interest rate.

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

Yes, opening a fixed deposit account for a minor in Bikaner with Shriram Finance is possible, provided the guardian consents and submits the necessary documents.

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

Yes, withdrawing a fixed deposit before maturity in Bikaner usually incurs a penalty, often leading to a lower interest rate on the deposit.

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

Yes, you can update the nominee for your FD in Bikaner by submitting a formal request along with valid identification for the new nominee.

Can I open multiple Fixed Deposits in Bikaner?

Yes, you are allowed to open multiple fixed deposits in Bikaner, either within the same financial institution or across different ones.

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

Generally, there is no upper limit on the amount you can invest in a fixed deposit in Bikaner, unless specified by particular schemes.

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

Yes, a fixed deposit can be opened jointly in Bikaner, subject to the terms and conditions of the financial institution.

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

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 Bikaner?

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 Bikaner?

Yes, in Bikaner, fixed deposit interest rates may vary based on the chosen tenure, with different durations attracting different rates.

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

To close your Shriram Fixed Deposit early in Bikaner, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI guidelines, premature closure within three months is not permitted unless 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.