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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 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

interest rates

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.

achievement

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.

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

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

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 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 "[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

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I am a Senior Citizen

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I am a Woman

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Investment amount

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Tenure up to

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Min 12 months

Max 60 months

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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 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

  • 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 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

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 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.

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 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

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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 in Punjab

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 8.15%* 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 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.