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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 Chhapra

Starting a Fixed Deposit in Chhapra enables disciplined wealth accumulation through a methodical approach to savings. The FD in Chhapra offers structured investment opportunities with clear terms for confident planning. This informative guide explores essential components of fixed deposit offerings, from interest calculations to withdrawal provisions, supporting you in crafting investment strategies that address current financial needs while building toward future security.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit works through interest retention rather than payout, with earnings systematically added to your principal sum. This creates a progressive compounding mechanism that accelerates your wealth growth, producing returns on both your initial investment and previously accumulated interest. At maturity, you receive the total amount comprising your original deposit plus all compounded earnings. This approach particularly suits investors seeking significant long-term capital appreciation without needing regular income streams.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates interest distribution at scheduled intervals, establishing a dependable income flow. These payments, calculated using simple interest methodology, can be arranged monthly, quarterly, or annually based on your requirements. This structure delivers consistent returns and improved liquidity compared to cumulative options, especially beneficial for those managing recurring 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

Acknowledging the key benefits and characteristics of fixed deposits supports the creation of prudent financial plans. The principal aspects of FD comprise

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
Static Alt Text
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 Chhapra

FD rates in Chhapra present notable contrasts across numerous banks and NBFCs. Strategic investors diligently evaluate competing possibilities before allocating their funds. The returns you gain generally fluctuate based on variables including your intended deposit duration and the particular financial establishment holding your investment. 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 Chhapra

Opening a Shriram Finance fixed deposit in Chhapra requires compliance with specific eligibility conditions. The categories authorised to commence fixed deposits in Chhapra consist of

  • 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 Chhapra

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Initiating a fixed deposit is simple whether you prefer digital services or choose to visit a Chhapra branch directly to provide your documentation. Assemble all required identity and address verification materials ahead of time for a seamless application journey. Generally, these organised steps enable you to set up an FD through online services.

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 Chhapra?

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

To fulfil your fixed deposit objectives, Shriram Finance has methodically set up FD branches in Chhapra. These customer-centric locations are staffed with knowledgeable financial specialists who provide expert guidance on how to open fixed deposit accounts or review active Unnati Fixed Deposit Scheme holdings. The following is a compilation of Shriram Finance branches in Chhapra

Chapra

  • 1st Floor Siddhi Mart, Kadam Chowk, Prabhunath Nagar CHAPRA,BIHAR Pincode: 841301 Phone:18001036369

Chhapra

  • B.P. Medicine Complex, 2nd Floor, Sri Nandan Path CHAPRA,BIHAR Pincode: 841301 Phone:18001036369

Patna

  • Luv Kush Towers Complex, Room No. 502, Exhibition Road PATNA,BIHAR Pincode: 800001 Phone:18001034959
View All Branches

Shriram FD Customer Care in Chhapra

For any questions or if you require additional information regarding your fixed deposit account, our knowledgeable Fixed Deposit Customer Care team in Chhapra is available to provide thorough assistance. Get in touch with our telephone helpline for prompt support with your investments. Our detailed customer service contact details are accessible at all times.

Toll Free

Shriram FD Status in Chhapra

To assess your Shriram Fixed Deposit status in Chhapra, use our thorough online portal or reach out to our attentive support team. Regular monitoring of your FD status allows you to stay informed about nearing maturity periods and interest developments.

Fixed Deposit in Major Cities in India

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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 Chhapra?

The minimum deposit amount for a fixed deposit in Chhapra for Shriram FD is Rs.5,000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Chhapra?

The interest rate on FD in Chhapra 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 Chhapra?

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

Yes, premature withdrawal of a fixed deposit is permissible in Chhapra; however, it may lead to penalties or reduced interest rates. It's recommended to check the specific conditions before proceeding.

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

Yes, you can set up a fixed deposit account in a minor's name with guardian approval with Shriram Fixed Deposit.

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

Yes, there is typically a penalty for premature withdrawal of a fixed deposit. This penalty often involves a decrease in the interest rates that would otherwise be applicable to the deposit.

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

Yes, you can adjust the nominee for your FD account in Chhapra. This procedure commonly requires submitting a request document along with valid identification information of the new nominee.

Can I open multiple Fixed Deposits in Chhapra?

Yes, you can establish multiple fixed deposits in Chhapra with different financial entities or within the same financial service provider.

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

Typically, there is no maximum threshold; however, some financial institutions may have certain schemes with specified limitations.

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

Yes, you can create a fixed deposit account in a joint account in Chhapra as per the financial institution's terms and regulations.

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

Yes, several financial institutions provide elevated fixed deposit interest rates for senior citizens compared to regular deposits. For example, Shriram Finance offers an 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 Chhapra?

Shriram Finance grants an extra 0.50%* p.a. interest rate for senior citizens in contrast to regular depositors.

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

Yes, FD interest rates can vary based on tenure. Usually, longer tenures may yield higher interest rates compared to shorter ones due to the extended commitment time from the depositor.

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

To prematurely close a Shriram FD, present the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI regulations, a deposit receipt cannot be prematurely closed before three months from the deposit/renewal date except 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.