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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 Cooch Behar

A Fixed Deposit in Cooch Behar presents a structured opportunity to transform consistent savings into meaningful wealth over time. Residents considering an FD in Cooch Behar benefit from predictable growth patterns that facilitate accurate financial planning. This informative guide addresses key aspects of fixed deposit investments, from interest rates to maturity options, enabling you to align your financial decisions with both immediate requirements and long-term aspirations.

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 operates through interest reinvestment rather than distribution, 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. Upon maturity, you receive the full amount comprising your original deposit plus all compounded earnings. This approach particularly benefits investors seeking significant long-term capital appreciation without needing regular income streams.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest payouts at scheduled intervals, establishing a dependable income flow. These distributions, 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

Recognising the primary benefits and features of fixed deposits assists in creating sound investment strategies. The essential elements of FD encompass:

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 Cooch Behar

FD rates in Cooch Behar exhibit significant contrasts among various banks and NBFCs. Astute investors thoroughly compare available alternatives before allocating their funds. Your potential returns generally depend on considerations including your preferred investment duration and the specific financial establishment maintaining your deposit. 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 Cooch Behar

Accessing a Shriram Fixed Deposit in Cooch Behar requires compliance with established eligibility qualifications. The entities qualified to start fixed deposits in Cooch Behar include.

  • 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 Cooch Behar

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Establishing a fixed deposit is uncomplicated whether you opt for internet platforms or prefer to visit a Cooch Behar branch physically to submit your documentation. Assemble all essential identity and address verification materials beforehand for a seamless application procedure. Generally, these organised steps allow you to initiate an FD through digital 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 Cooch Behar?

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

To address your fixed deposit goals, Shriram Finance has carefully established FD branches in Cooch Behar. These customer-centric locations employ skilled financial consultants who deliver specialised advice on how to open fixed deposit accounts or track active Unnati Fixed Deposit Scheme investments. Here is a directory of Shriram Finance branches in Cooch Behar

Jalpaiguri

  • 2nd Floor, Rachayita Complex, Kadamtala, PO Jalpaiguri, Beside Punjab National Bank JALPAIGURI,WEST BENGAL Pincode: 735101 Phone:18001036369

Dhupguri

  • 1st Floor,Thana Para,Ward No.13, Near Dhupguri Police Station, Dhupguri JALPAIGURI,WEST BENGAL Pincode: 735210 Phone:18001036369

Alipurduar

  • Rainbow Building, 2nd Floor, 205 Park Road, First House, Ward No-2, Alipurduar Court JALPAIGURI,WEST BENGAL Pincode: 736122 Phone:18001036369
View All Branches

Shriram FD Customer Care in Cooch Behar

For any concerns or if you need additional clarity regarding your fixed deposit account, our specialised Fixed Deposit Customer Care team in Cooch Behar is available to provide thorough assistance. Get in touch with our telephone helpline for immediate support with your investments. Our detailed customer service contact information is accessible whenever required.

Toll Free

Shriram FD Status in Cooch Behar

To verify your Shriram Fixed Deposit status in Cooch Behar, utilise our user-friendly online portal or contact our committed support team. Regular tracking of your FD status enables you to keep abreast of nearing maturity dates and interest progression.

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 Cooch Behar?

The minimum deposit amount for a fixed deposit in Cooch Behar 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 Cooch Behar?

The interest rate on FD in Cooch Behar 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 Cooch Behar?

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

Yes, premature withdrawal of a fixed deposit is permissible in Cooch Behar; however, it may involve penalties or reduced interest rates. It's recommended to verify the specific conditions before taking action.

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

Yes, you can set up a fixed deposit account in a minor's name with guardian authorisation 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 generally involves a reduction in the interest rates that would otherwise be applicable to the deposit.

Can I change the nominee for my Fixed Deposit in Cooch Behar?

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

Can I open multiple Fixed Deposits in Cooch Behar?

Yes, you can establish multiple fixed deposits in Cooch Behar 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 Cooch Behar?

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 Cooch Behar?

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

Are there any fixed deposit schemes for senior citizens in Cooch Behar?

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 Cooch Behar?

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 Cooch Behar?

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 Cooch Behar?

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 directives, 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.