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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 Darjeeling

A Fixed Deposit in Darjeeling presents a disciplined savings approach that rewards patience with steady growth. Residents exploring FD in Darjeeling benefit from transparent terms that facilitate confident financial planning. This informative guide addresses key considerations about fixed deposits available locally, covering interest rates, maturity options, and liquidity features, helping you craft investment strategies that accommodate both current financial responsibilities and long-range objectives.

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 by retaining interest instead of disbursing it, with earnings systematically added to your principal amount. This creates a progressive compounding mechanism that accelerates your wealth growth, producing returns on both your initial investment and previously accumulated interest. When your deposit reaches maturity, you receive the total amount comprising your original sum plus all compounded earnings. This approach particularly suits those pursuing significant long-term capital growth without needing regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates interest payments 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 preferences. This structure delivers steady returns and better liquidity compared to cumulative options, especially advantageous 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 features of fixed deposits helps in crafting successful investment strategies. The crucial aspects of FD comprise

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 Darjeeling

FD rates in Darjeeling present notable distinctions between various banks and non-banking financial companies. Strategic investors thoroughly examine multiple alternatives prior to investing their capital. The interest returns you receive generally depend on variables including your intended deposit duration and the individual financial entity securing 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 Darjeeling

Starting a Shriram Fixed Deposit in Darjeeling requires compliance with designated eligibility parameters. The categories authorised to commence fixed deposits in Darjeeling 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 Darjeeling

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Setting up a fixed deposit is simple whether you choose digital methods or prefer to visit a Darjeeling branch physically 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 initiate an FD through online platforms.

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 Darjeeling?

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

To support your fixed deposit aspirations, Shriram Finance has carefully placed FD branches in Darjeeling. These customer-oriented locations feature experienced financial specialists who provide expert advice on how to open fixed deposit accounts or monitor current Unnati Fixed Deposit Scheme portfolios. Find below the list of Shriram Finance branches in Darjeeling

Darjeeling

  • Floor I, Khatian No 149, Merry Villa, Mouza Hill, Cart Road DARJEELING,WEST BENGAL Pincode: 734101 Phone:18001036369

Kalimpong

  • First Floor,10th Mile, Gumba Hatta Tuni Botey, Near Dr. Mallick Nursing Home, Kalimpong, DARJEELING,WEST BENGAL Pincode: 734301 Phone:18001036369

Durgapur

  • 1st Floor, Landmark Building, Opposite Central Library, City Centre DURGAPUR,WEST BENGAL Pincode: 713216 Phone:18001036369
View All Branches

Shriram FD Customer Care in Darjeeling

For any questions or if you require further understanding about your fixed deposit account, our expert Fixed Deposit Customer Care team in Darjeeling is ready to provide thorough support. Get in touch with our telephone helpline for swift assistance with your investments. Our comprehensive customer service information is available whenever necessary.

Toll Free

Shriram FD Status in Darjeeling

To monitor your Shriram Fixed Deposit status in Darjeeling, leverage our robust online platform or reach out to our knowledgeable service representatives. Routine checking of your FD status allows you to keep track of nearing maturity timelines 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 Darjeeling?

The minimum deposit amount for a fixed deposit in Darjeeling 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 Darjeeling?

The interest rate on FD in Darjeeling 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 Darjeeling?

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

Yes, premature withdrawal of a fixed deposit is available in Darjeeling; however, it could lead to penalties or diminished interest rates. It's prudent to verify the specific conditions beforehand.

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

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

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

Yes, there is generally a penalty for premature withdrawal of a fixed deposit. This penalty often comprises a decrease in the interest rates that would normally apply to the deposit.

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

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

Can I open multiple Fixed Deposits in Darjeeling?

Yes, you can create multiple fixed deposits in Darjeeling 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 Darjeeling?

Typically, there is no ceiling amount; however, some financial institutions may have certain schemes with specified limits.

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

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

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

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 Darjeeling?

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 Darjeeling?

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 Darjeeling?

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.