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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 Bilaspur

Saving for the future becomes easier when your choices are straightforward. In Bilaspur, many individuals choose fixed deposits as a practical way to grow their savings over time. It offers a clear structure that allows you to plan based on your financial priorities. This guide will walk you through the key details of opening a Fixed Deposit in Bilaspur with Shriram Finance. With a Shriram Fixed Deposit, you can select the investment amount, tenure, and interest payout frequency that suits your needs. If you are considering an FD in Bilaspur to organise your savings or work towards a specific goal, this guide will help you make an informed and confident decision.

Types of Fixed Deposits

Shriram Finance in Bilaspur offers different types of fixed deposits to match your saving plans.

interest rates

Cumulative Fixed Deposit

This option allows your interest to be added back to your deposit, growing through compounding. At the end of the term, you receive the total amount along with interest. This suits those who prefer to save over a longer period and do not need regular income.

achievement

Non-Cumulative Fixed Deposit

Here, the interest is paid at regular intervals monthly, quarterly, or yearly based on what you choose. It is useful for managing everyday expenses and ensures a regular flow of income. The interest is calculated simply and paid on time. You can choose between the two depending on your financial preferences. The Shriram Finance branches in Bilaspur or their online portal can help with opening these accounts.

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

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

If you're looking to plan your savings in Bilaspur, knowing the features and benefits of fixed deposits can be helpful. This understanding supports better decision-making. Here are a few important points to help you understand what fixed deposits offer.

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

Shriram Fixed Deposit Interest Rates in Bilaspur

FD rates in Bilaspur can differ according to the financial provider and the deposit tenure. Various institutions offer different interest rates, so it is useful to check and compare your options. Depending on whether you prefer steady payouts or want your deposit to grow, you can pick a fixed deposit that supports your financial plans and savings goals over time. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. GGet 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
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 Bilaspur

Opening a fixed deposit in Bilaspur involves following a few eligibility rules. In most cases, you will need to meet the criteria listed below to begin the fixed deposit process.

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

How to Invest in Fixed Deposit with Shriram in Bilaspur

In Bilaspur, Shriram Finance makes it easier to open a Shriram Unnati Fixed Deposit either online or by visiting a local branch. With flexible terms and reasonable interest rates, it is suited for varied savings needs. Keeping your documents ready will help speed up the process. The following steps outline how to open a 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 Bilaspur?

When the deposit period ends, you may decide to renew your Shriram FD in Bilaspur and continue enjoying fixed deposit benefits. You can carry out the process online via the website or app. You may also visit a nearby branch. The steps outlined below explain how 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 Bilaspur

You can approach FD branches in Bilaspur managed by Shriram Finance to open fixed deposits or seek help with existing ones. These locations have trained staff who can support you with account-related tasks like renewals. A branch visit can help clarify the fixed deposit choices before starting the application.

Bilaspur - I

  • First Floor, HH Square, Plot No. A-05, Beside Bank of India, Main Road BILASPUR, CHHATTISGARH Pincode495001 Phone18001036369

Bilaspur - III

  • No.B-210,2nd Floor, Narayan Plaza ,Link Road Bilaspur C.G BILASPUR, CHHATTISGARH Pincode495001 Phone18001036369

Pendra

  • Ground Floor, Village Semra, Khasra No. 97/3, 97/4, Near Centorium, Pendra Road BILASPUR, CHHATTISGARH Pincode495117 Phone18001034959
View All Branches

Shriram FD Customer Care in Bilaspur

Those in Bilaspur can get in touch with our Fixed Deposit Customer Care team for any questions about their FD account. Our support team is ready to assist you. The necessary contact numbers are mentioned below to help you reach out without difficulty.

Toll Free

Shriram FD Status in Bilaspur

Stay aware of your fixed deposit in Bilaspur by either logging in online or connecting with customer care. These ways let you check details like interest payouts and maturity schedules. They make it easier to follow your deposit progress and plan your finances with a better understanding.

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 Bilaspur?

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

What is the interest rate on Fixed Deposits in Bilaspur?

The interest rate on FD in Bilaspur 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 Bilaspur?

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

Yes, you can withdraw a fixed deposit before its maturity in Bilaspur; however, this may involve a penalty, typically resulting in a reduced interest rate.

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

Yes, you can open a fixed deposit account for a minor in Bilaspur through Shriram Finance, with the guardian's consent and the required documents.

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 Bilaspur?

Yes, the nominee for your FD in Bilaspur can be changed by submitting a request form and valid identification of the new nominee.

Can I open multiple Fixed Deposits in Bilaspur?

Yes, in Bilaspur, you can open more than one fixed deposit with the same or different financial institutions.

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

There is generally no limit on the investment amount in fixed deposits in Bilaspur unless mentioned in specific financial schemes.

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

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

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

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 Bilaspur?

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 Bilaspur?

Yes, in Bilaspur, you may open a fixed deposit jointly, depending on the rules of the financial institution.

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

To close your Shriram Fixed Deposit early in Bilaspur, submit the original receipt with a Rs.1 revenue stamp, request letter, and cancelled cheque. As per RBI norms, closure within three months isn’t allowed unless 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.