Invest in Shriram Unnati Fixed Deposit Maximise your returns & earn up to 8.05%* 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 Chandel

Chandel is gradually becoming more financially aware, with individuals seeking options that combine safety and steady returns. For many, fixed deposits offer just that especially when backed by dependable financial institutions. Shriram Finance brings a reliable savings product to Chandel through its fixed deposit schemes. Starting with just Rs.5,000, you can invest with confidence. Our Fixed Deposit in Chandel enable you to choose from cumulative plans that harness compounding or non-cumulative plans that offer regular interest payouts. With flexible tenures and competitive interest rates, these FDs are well-suited for both short- and long-term goals. If are looking for a solid foundation to grow your money without market-related risks, Shriram Fixed Deposit is worth considering. Apply online today or visit your nearest branch to start your FD in Chandel with ease.

Types of Fixed Deposits

Following are the various forms of FDs to achieve your financial goals

Cumulative Fixed Deposit

A Cumulative Fixed Deposit is a term deposit where the earned interest isn’t paid out periodically but is added to the principal. This reinvestment causes the principal to grow and leads to higher returns via compounding. At maturity, the investor gets a lump sum that includes the original investment along with the compounded interest. Cumulative FDs are suitable for those who prefer long-term growth and do not need regular payouts, as compounding maximises their earnings.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit offers regular interest payouts, making it ideal for those needing consistent income. The interest is based on simple interest and may be credited monthly, quarterly or yearly. Non-cumulative FDs offer dependable returns and more liquidity than cumulative ones, making them suitable for managing day-to-day 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.

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 8.05%* 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

It is important to be aware of the fixed deposit features and benefits before you start investing. Below are the main features and advantages of FD

Predictable returnsPredictable returns

Flexible tenureFlexible tenure

Attractive interest ratesAttractive interest rates

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

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Low minimum investment amountLow minimum investment amount

Compounding benefitsCompounding benefits

Shriram Fixed Deposit Interest Rates in Chandel

The FD rates in Chandel differ from one bank or institution to another. Comparing them is key to getting the highest possible returns. The rates are mainly influenced by the tenure and the offering institution. Shriram Fixed Deposit is Rated "CARE AAA; STABLE" By CARE Ratings Limited, "Crisil AAA/ STABLE by CRISIL Ratings Limited, and "[ICRA]AAA; TABLE" by ICRA and "IND AAA/ STABLE" by India Ratings and Research. Get interest rate of up to 8.05%* 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. 2nd July 2026)

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. 2nd July 2026), 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	6.85
^{(Digital Only)}15	7.10
18- 23	7.05
24- 35	7.10
36-60	7.50

Shriram Unnati Fixed Deposit Interest Rate for Non-Cumulative Fixed Deposit Scheme below 10 Cr (w.e.f. 2nd July 2026)

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. 2nd July 2026), 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	6.64	6.68	6.74	6.85
^{(Digital Only)}15	6.88	6.92	6.98	7.10
18 - 23	6.83	6.87	6.93	7.05
24 - 35	6.88	6.92	6.98	7.10
36 - 60	7.25	7.30	7.36	7.50

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 %

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Chandel

To open a fixed deposit in Chandel, you need to meet a few eligibility conditions. The usual criteria to open an FD account are listed below

Eligibility
- 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 Chandel

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. A fixed deposit can be opened online or by visiting a nearby branch. Have your documents ready for a hassle-free experience. The standard process to open an FD online includes

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 Chandel?

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

Shriram Fixed Deposit Branches in Chandel

Shriram Finance supports your FD requirements through its dedicated FD branches in Chandel. Experienced staff at these locations can help you open new FDs or manage your existing Unnati Fixed Deposit Scheme. Here’s a list of our branches in Chandel

Imphal

2nd Floor, Khoyathong, Pukhri Achouba Nagamapal Road, Ward No.3, Near Amazon Building, Khoyathong IMPHAL,MANIPUR Pincode: 795001 Phone:18001036369

View All Branches

Shriram FD Customer Care in Chandel

Got questions about your FD? Our customer care team is always ready to help. Contact us for quick support using the phone numbers provided below.

Toll Free

Shriram FD Status in Chandel

It’s simple to check your Fixed Deposit status in Chandel using our online tools or by contacting customer care. Tracking your FD helps you stay informed on earnings and maturity dates.

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 Chandel?

To start a fixed deposit with Shriram Finance in Chandel, you need to invest a minimum of Rs.5,000. If you wish to add more, subsequent deposits should be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Chandel?

Shriram Finance offers an attractive interest rate of 8.05%* 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 Chandel?

Yes, opening a fixed deposit account online in Chandel with Shriram Finance is both easy and convenient. Here’s how you can do it: 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 Chandel?

Yes, premature withdrawal of your FD is allowed in Chandel. However, please note that doing so may attract certain penalties or a reduction in the applicable interest rate. Always review the terms and conditions related to premature withdrawals before proceeding.

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

Absolutely! You can open a fixed deposit account in the name of a minor, provided a parent or legal guardian completes the necessary formalities and gives consent.

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

Generally, if you withdraw your FD before its maturity date, a penalty is applied. It is usually in the form of a reduced interest rate on your deposit.

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

Yes, you have the option to change the nominee for your FD by submitting a formal request and valid ID for the new nominee.

Can I open multiple Fixed Deposits in Chandel?

Yes, you are free to open multiple fixed deposit accounts, either with the same financial institution or across different banks and NBFCs in Chandel.

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

There is typically no upper limit on the amount you can invest in a fixed deposit. However, some specific FD schemes may have their own maximum investment limits, so it’s wise to check the details of your chosen scheme.

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

Yes, joint fixed deposit accounts are permitted. You can open an FD jointly with another individual, subject to the terms and conditions of the financial institution.

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

Yes, senior citizens are provided with additional interest rates on fixed deposits by many financial institutions. For example, Shriram Finance offers an extra 0.50%* p.a. on fixed deposits for senior citizens.

What is the difference between FD interest rates for regular and senior citizens in Chandel?

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 Chandel?

Yes, the interest rate on your fixed deposit will depend on the tenure you choose. Generally, longer tenures offer higher interest rates, so you can select a period that best suits your financial goals.

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

To close your Shriram FD prematurely in Chandel, the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque are required. As per Reserve Bank of India (RBI) regulations, premature closure within three months of opening or renewing the deposit is not allowed, except in the unfortunate event 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