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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 Changlang

A fixed deposit is a dependable investment tool where your money earns interest over a fixed term with zero market exposure. Many individuals are choosing Fixed Deposit in Changlang to grow their savings with confidence. With Shriram Finance, you benefit from competitive interest rates, flexible tenure options, and a low minimum investment, making it easier to plan for the future. The application process is simple and requires only minimal documentation, ensuring that your investment journey is smooth from the start. If you are in considering an FD in Changlang to build your wealth, Shriram Fixed Deposit is a smart choice.

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 accrues interest over the term and is paid out only at maturity. The earned interest is added to the principal, allowing the deposit to benefit from compounding. When the term ends, you will receive the total amount, which includes both the initial deposit and the interest. This option is best for those with long-term financial goals who do not need regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit pays interest at fixed intervals, making it ideal for those seeking consistent income. The interest is calculated using simple interest and can be paid monthly, quarterly, or annually. This type of FD is more liquid than cumulative FDs and is a good choice for individuals with ongoing financial responsibilities.

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

Understanding our fixed deposit features and benefits can help you manage your finances effectively. Here’s a summary of the key features and advantages of an 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 Changlang

The FD rates in Changlang vary depending on the bank or financial institution. By reviewing and comparing these rates, you can choose an option that offers higher returns. These rates are usually influenced by the duration of the deposit 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

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 Changlang

To open an FD account in Changlang, there are specific fixed deposit eligibility rules that must be met. These usually include the following

  • 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 Changlang

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can apply for a fixed deposit online or by visiting a nearby branch. Ensure you have all the necessary documents ready for a quick and easy application process. Below are the steps to apply for an FD 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 :

    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 Changlang?

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

You can visit our FD branches in Changlang for any fixed deposit-related support. The staff is available to help you open fixed deposit accounts or manage existing Unnati FD schemes. Refer to the following list of our Changlang branches

Shillong

  • 1st Floor, Main Road, Lumbasuk, Lawjynriew, Shillong NONGTHYMMAI,MEGHALAYA Pincode: 793014 Phone:18001034959

Guwahati - I (Chandmari)

  • Senapati Commercial, 2nd Floor, Mani Ram Dewan Road, Near Abishek Motors, Silpukhuri GUWAHATI,ASSAM Pincode: 781003 Phone:18001036369

Dhemaji

  • 1st Floor, Dhemaji Main Town, Chariali Axis Bank Building DHEMAJI,ASSAM Pincode: 787057 Phone:18001036369
View All Branches

Shriram FD Customer Care in Changlang

For any queries regarding your fixed deposit, our Fixed Deposit Customer Care team is available for assistance. You can contact us using the details provided below for any support or service requests

Toll Free

Shriram FD Status in Changlang

To check your Fixed Deposit status in Changlang, simply log into our online platform or get in touch with customer care. Checking your FD status regularly ensures you stay informed about interest accruals and maturity updates.

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 Changlang?

To open Shriram Fixed Deposit in Changlang, the minimum required amount is Rs.5,000. Further investments should be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Changlang?

At present, the interest rate on FDs in Changlang 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 Changlang?

Yes, Shriram Finance offers the option to open an FD online in Changlang. Here are the 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 Changlang?

Yes, premature withdrawal is allowed, though it may attract penalties or lower interest earnings depending on the terms.

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

Yes, a fixed deposit account can be opened in a minor’s name, provided a guardian handles and operates the account.

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

Yes, if you withdraw your FD before it matures, a penalty may apply in the form of reduced interest rates.

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

Yes, updating nominee details is possible. You’ll need to provide a request form along with the new nominee’s ID proof.

Can I open multiple Fixed Deposits in Changlang?

Yes, you may invest in multiple fixed deposits either with the same provider or with different institutions.

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

Most financial institutions do not set an upper limit on FD investments. However, specific schemes may have certain caps in place.

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

Yes, joint FD accounts are available in Changlang, subject to the financial institution’s terms and conditions.

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

Yes, senior citizens can benefit from special FD schemes. Shriram Finance provides an extra 0.50%* p.a. interest for seniors.

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

Senior citizens are entitled to 0.50%* p.a. more interest than regular investors, as per Shriram Finance’s offering.

Is there a difference between FD interest rates for different tenures in Changlang?

Yes, FD interest rates vary based on the tenure. Generally, longer durations come with better interest rates.

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

To close your Shriram Fixed Deposit early, you need to submit the original deposit receipt, a Rs.1 revenue stamp, a written request, and a cancelled cheque. Reserve Bank of India (RBI) rules do not allow closure within the first three months, unless in the event of the account holder’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.