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 Chhatarpur

As a prominent district in Madhya Pradesh with growing commercial activities, Chhatarpur presents numerous opportunities for financial growth. A Fixed Deposit in Chhatarpur provides residents with a dependable investment vehicle combining capital protection with consistent earnings potential. The FD in Chhatarpur establishes straightforward parameters that help investors proceed with financial confidence. This guide offers vital details about fixed deposits, ranging from competitive interest structures to liquidity provisions, equipping you to make informed choices that cater to both current financial needs and future economic objectives in this historically rich region.

Types of Fixed Deposits

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

Cumulative Fixed Deposit

A Cumulative Fixed Deposit keeps your interest with your original deposit rather than paying it out. This creates compound growth as your interest earns more interest over time. When your term ends, you receive one total payment that includes both your initial investment and all accumulated interest. This FD type is best for people looking for maximum growth who don't need ongoing income from their savings.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at set intervals, giving you a steady flow of income. Interest is calculated using simple interest methods and can be paid monthly, quarterly, or annually. This option delivers predictable returns and better liquidity compared to cumulative FDs, making it suitable for meeting regular financial needs.

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.

Furthermore, our FDs can facilitate various additional financial objectives

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

The FD interest rate is 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 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 well-informed investment decisions, it's vital to comprehend the various elements and advantages of fixed deposits. The main characteristics of FD include

Predictable returnsPredictable returns

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

Flexible tenureFlexible tenure

Compounding benefitsCompounding benefits

Low minimum investment amountLow minimum investment amount

Attractive interest ratesAttractive interest rates

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Shriram Fixed Deposit Interest Rates in Chhatarpur

FD rates in Chhatarpur exhibit notable disparities across various financial institutions. Savvy depositors invariably review all available alternatives before finalising their investment. Your interest income typically depends on variables including your preferred investment duration and the particular bank overseeing your funds. 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 an interest rate of up to 8.05%* 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. 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.

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 Chhatarpur

To invest in a Shriram Finance fixed deposit in Chhatarpur, customers must satisfy certain qualification requirements. Parties eligible for creating fixed deposits in Chhatarpur consist of

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

How to Invest in Fixed Deposit with Shriram in Chhatarpur

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Establishing a fixed deposit account is convenient either through digital channels or by personally visiting a Chhatarpur branch to process your request. Make sure to prepare all necessary documents to ensure an effortless registration procedure. The standard pathway to invest in FD online includes the following steps

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 Chhatarpur?

As your FD approaches its maturity period, you might consider the benefits of renew your Shriram FD in Chhatarpur to maintain your investment momentum. Use our digital interfaces or visit one of our conveniently located branches for assistance with renewal. Here's the process for renewing your deposit through our online channels

Shriram Fixed Deposit Branches in Chhatarpur

Shriram Finance operates conveniently positioned FD branches in Chhatarpur to cater to your fixed deposit needs. These client-focused facilities employ qualified financial advisors who deliver personalised consultation on how to open fixed deposit accounts or administer current Unnati Fixed Deposit Scheme portfolios. Below is the list of Shriram Finance branches in Chhatarpur

Chattarpur

64 Jawahar Road, Infront Of ICICI Bank, Narayan Plaza, 2nd Floor, Tirah Square CHHATARPUR, MADHYA PRADESH Pincode471001 Phone18001036369

Nowgong

Kusum Kunj ,Above Union Bank Ishanagar Chauraha, Nowgong CHHATARPUR, MADHYA PRADESH Pincode471201 Phone18001034959

Lavkush Nagar

Ground Floor, House No. 34, Ward No. 4, Sichai Colony Chandla Road, Lavkush Nagar CHHATARPUR, MADHYA PRADESH Pincode471515 Phone18001036369

View All Branches

Shriram FD Customer Care in Chhatarpur

If uncertainties emerge or additional information is needed regarding your fixed deposit account, our specialised Fixed Deposit Customer Care team in Chhatarpur remains ready to deliver appropriate answers. Connect through our telephone service for swift assistance with your investment concerns. Our customer support contact information is conveniently accessible whenever you need it.

Toll Free

Shriram FD Status in Chhatarpur

For evaluating your Shriram Fixed Deposit status in Chhatarpur, leverage our user-friendly digital services or connect with our responsive customer care professionals. Consistent checking of your FD status enables you to stay cognizant of impending maturity timelines and interest accruals.

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Fixed deposit in Indore

Fixed Deposit FAQs

What is the minimum deposit amount for a Fixed Deposit in Chhatarpur?

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

What is the interest rate on Fixed Deposits in Chhatarpur?

The interest rate on FD in Chhatarpur is 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 Chhatarpur?

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

Yes, early withdrawal of a fixed deposit is accessible in Chhatarpur; however, this action may attract penalties or lower interest yields. It is prudent to examine the specific terms before proceeding with withdrawal.

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

Yes, opening a fixed deposit account for a minor in Chhatarpur is possible with parental or guardian consent through Shriram Fixed Deposit.

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

Yes, early withdrawal of fixed deposits typically incurs penalties. These usually manifest as reduced interest rates applied to your deposit amount.

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

Yes, updating the nominee for your FD account in Chhatarpur is an available option. The process generally requires submitting a formal request along with identity proof of the new nominee.

Can I open multiple Fixed Deposits in Chhatarpur?

Yes, you have the flexibility to create multiple fixed deposits in Chhatarpur, either with various financial institutions or within a single organisation.

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

Typically, there is no ceiling on investment amounts; however, certain financial institutions may enforce specific limits for particular deposit schemes.

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

Yes, establishing a fixed deposit using a joint account in Chhatarpur is feasible, depending on the financial institution's specific regulations.

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

Yes, many financial entities offer preferential fixed deposit interest rates for senior citizens compared to standard deposits. Specifically, Shriram Finance provides 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 Chhatarpur?

Shriram Finance offers senior citizens an enhanced rate of 0.50%* p.a. above the standard depositor rates in Chhatarpur.

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

Yes, FD interest rates vary based on the selected tenure. Generally, longer investment periods may secure higher interest rates compared to shorter durations due to the extended commitment period.

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

To prematurely terminate a Shriram FD in Chhatarpur, submit your original deposit receipt with a Rs.1 revenue stamp, accompanied by a written request and a cancelled cheque. According to RBI guidelines, deposits cannot be closed within three months of deposit/renewal except in cases of depositor demise.

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 "CARE AAA; STABLE" by CARE Ratings Limited, "CRISIL AAA/STABLE" by CRISIL Ratings Limited, "[ICRA]AAA; STABLE" by ICRA, and "IND AAA/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