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)

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 Chandigarh

Planning your savings with a steady approach can support your financial goals more effectively. In Chandigarh, many people prefer fixed deposits as a dependable way to manage surplus funds while earning regular returns. It allows for better control over how and when your money grows. This guide explains the process of opening a Fixed Deposit in Chandigarh with Shriram Finance. A Shriram Fixed Deposit gives you the flexibility to decide your investment duration, deposit amount, and how you would like to receive interest monthly, quarterly, or at maturity. Whether you are new to saving or looking to streamline your investments, an FD in Chandigarh can help you move forward with clarity and purpose. This guide will assist you in making a well-informed choice based on your personal needs.

Types of Fixed Deposits

Fixed deposits from Shriram Finance in Chandigarh cater to different savings approaches.

Cumulative Fixed Deposit

Interest is added to the principal and grows over time. You receive the full amount, including accumulated interest, at the end of the term. It is a suitable choice if you want your savings to grow without regular interest payouts.

Non-Cumulative Fixed Deposit

This type provides interest at fixed intervals monthly, quarterly, or yearly depending on your choice. It helps manage routine expenses and gives you a regular source of income. Interest is calculated straightforwardly and paid on the selected schedule. Whether you prefer saving for the future or need regular earnings, you can pick the deposit type that suits your needs. Shriram Finance offers both deposit types through their Chandigarh branches and online platform.

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.

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

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

To make smart savings decisions in Chandigarh, it is good to understand the features and benefits of fixed deposits. Some of the key points are listed below.

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

Flexible tenureFlexible tenure

Predictable returnsPredictable returns

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Low minimum investment amountLow minimum investment amount

Attractive interest ratesAttractive interest rates

Compounding benefitsCompounding benefits

Shriram Fixed Deposit Interest Rates in Chandigarh

FD rates in Chandigarh vary based on the bank or finance company and how long you invest. Interest rates may be different with each provider, so it is wise to compare them. You can go for an option that gives regular returns or allows your savings to grow. A well-chosen fixed deposit helps you manage your money better and plan future expenses more clearly. 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
12	7.00
^{(Digital Only)}15	7.25
18- 23	7.15
24- 35	7.25
36-60	7.60

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.
12	6.79	6.82	6.88	7.00
^{(Digital Only)}15	7.02	7.06	7.12	7.25
18 - 23	6.93	6.97	7.03	7.15
24 - 35	7.02	7.06	7.12	7.25
36 - 60	7.35	7.39	7.46	7.60

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.

Note: Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit / renewal.

The above additional interest rates will be applied on the yearly rate, which will be factored correspondingly into the calculation of compounding interest rates for periods shorter than a year, including monthly, quarterly, and half-yearly rates.

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 Chandigarh

Before setting up a fixed deposit in Chandigarh, it is important to check the eligibility rules. Usually, the requirements mentioned below must be met before you can open your fixed deposit.

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

How to Invest in Fixed Deposit with Shriram in Chandigarh

Shriram Finance offers Shriram Unnati Fixed Deposit to people in Chandigarh. This allows you to apply online or visit a nearby branch. This fixed deposit comes with flexible durations and suitable interest options. To make the process easier, keep your documents handy. You can refer to the steps below for guidance on applying for a Shriram Unnati Fixed Deposit online.

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 Chandigarh?

When the deposit period ends, you may decide to renew your Shriram FD in Chandigarh 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

Shriram Fixed Deposit Branches in Chandigarh

Shriram Finance has FD branches in Chandigarh that assist customers looking to open fixed deposits or maintain existing accounts. Trained staff are available to guide you with account opening, renewals, and other needs. A branch visit may help you explore different fixed deposit types and choose the right one.

Chandigarh Rs

Second Floor, SCO - 65, Sector 20 - CHD CHANDIGARH, CHANDIGARH Pincode160020 Phone18001036369

Chandigarh - I

Second Floor, SCO 38, Sector - 29 D, Opposite to Baba Balak Nath Mandir, Sector 29 CHANDIGARH, CHANDIGARH Pincode160030 Phone18001036369

Chandigarh Zonal Office

2nd, Floor, Plot No-27, Phase-1, Industrial Area, Near HDFC Bank House CHANDIGARH, CHANDIGARH Pincode160002 Phone18001036369

View All Branches

Shriram FD Customer Care in Chandigarh

If you are based in Chandigarh and require assistance with your fixed deposit account, you can contact our Fixed Deposit Customer Care team. They are here to help with any issues or queries. The contact details are provided below for quick access.

Toll Free

Shriram FD Status in Chandigarh

To keep up with your fixed deposit in Chandigarh, use the digital portal or contact customer care. Both options give access to important information such as maturity timelines and earned interest, helping you manage your deposit wisely and ensuring you can view the status when required.

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 Chandigarh?

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

What is the interest rate on Fixed Deposits in Chandigarh?

The interest rate on FD in Chandigarh 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 Chandigarh?

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

Yes, you can withdraw your fixed deposit before maturity in Chandigarh. However, it may include a penalty, typically in the form of a reduced interest rate.

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

Yes, Shriram Finance allows you to open a fixed deposit account in Chandigarh for a minor, provided the guardian gives consent and submits the necessary documents.

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

Yes, in Chandigarh, withdrawing a fixed deposit early usually attracts a penalty, which can reduce the applicable interest rate.

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

Yes, you can update the nominee of your FD in Chandigarh by filling out a request form and submitting the new nominee’s valid ID proof.

Can I open multiple Fixed Deposits in Chandigarh?

Yes, in Chandigarh, it is possible to hold multiple fixed deposits either with one financial institution or across different ones.

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

Generally, there is no upper limit to investing in fixed deposits in Chandigarh, unless specified under a particular financial product.

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

Yes, a fixed deposit account can be opened in Chandigarh jointly, subject to the terms laid out by the financial provider.

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

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 Chandigarh?

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 Chandigarh?

Yes, in Chandigarh, interest rates for fixed deposits can vary depending on the tenure, with different durations offering different rates.

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

To prematurely close a Shriram Fixed Deposit in Chandigarh, provide the original FD receipt, a Rs.1 revenue stamp, a written request, and a cancelled cheque. As per RBI rules, closure within three months is only allowed 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.

Non Resident Indian