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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 Delhi

Are you making the most of your savings? Fixed deposits have long been a reliable way to grow your money, but choosing the right one is crucial. If you’re considering a Fixed Deposit in Delhi, Shriram Fixed Deposit offers flexible options tailored to your financial needs. With competitive interest rates and tenure choices, it’s designed to help you achieve your goals whether it’s saving for future expenses or building long-term wealth. In this guide, we’ll explore everything you need to know about FD in Delhi, helping you make informed decisions for your investments.

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 adds the earned interest to your original deposit. This interest is not given out during the deposit period but is combined with the principal. Over time, this leads to a larger payout when the term ends. It’s ideal for people who prefer saving without needing regular payouts.

achievement

Non-Cumulative Fixed Deposit

A non-cumulative fixed deposit provides interest payments at regular intervals. You may choose to receive these monthly, quarterly, or annually. It offers steady cash flow, which helps with ongoing expenses. The interest amount is predictable and makes budgeting easier. Depending on your needs, you can go for either of these fixed deposit types. Whether you are looking to grow your savings or want regular returns, you have options that allow you to plan according to your goals and comfort.

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 the features and benefits of fixed deposits is crucial for making informed investment decisions in Delhi. Below are the primary features and benefits of FD

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 Delhi

FD rates in Delhi vary across banks and financial institutions, influenced by factors such as the deposit tenure and the type of institution offering the fixed deposit. Comparing these rates is essential to finding options that suit your financial goals. By reviewing current offerings, you can select a fixed deposit that aligns with your needs, whether you prioritise regular payouts or long-term growth. 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 Delhi

To open a fixed deposit account in Delhi, you must meet certain eligibility criteria for fixed deposits. These criteria typically include the following for fixed deposits.

  • 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 Delhi

Shriram Finance provides competitive interest rates and flexible tenure options for its Shriram Unnati Fixed Deposit. You can easily open an account online or visit a branch in Delhi to complete the process. Make sure all required documents are ready for a smooth application experience. The steps below explain how to invest in a Shriram Unnati Fixed Deposit 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 Delhi?

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

Shriram Finance operates FD branches in Delhi to assist with your fixed deposit needs. These branches are staffed with knowledgeable professionals who can guide you in opening fixed deposits or managing your existing Shriram Unnati Fixed Deposit accounts. Below is a list of Shriram Finance branches in Delhi

Uttam Nagar

  • 1st Floor, Plot No.6 &7, Village Nawada Mazra Hastsal, Kiran Garden Block - D, Uttam Nagar DELHI,DELHI Pincode: 110059 Phone:18001034959

Mayur Vihar

  • Verma Sales, C-52, Shashi Garden, Opposite Pocket -05, Mayur Vihar Phase-1 DELHI,DELHI Pincode: 110091 Phone:18001034959

Karolbag

  • 3381/7, Second Floor, Christian Colony, Desh Bandhu Gupta Road Karol Bagh CENTRAL DELHI,DELHI Pincode: 110005 Phone:18001036369
View All Branches

Shriram FD Customer Care in Delhi

If you have any questions or need assistance with your fixed deposit account, our Fixed Deposit Customer Care team is available to help. You can contact us by phone for quick support regarding your investments. Below are our customer care contact numbers.

Toll Free

Shriram FD Status in Delhi

To keep track of your Shriram Fixed Deposit in Delhi, you can use the online services or contact customer care for assistance. This helps you stay informed about maturity dates and interest earnings, ensuring you manage your investments effectively.

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 Delhi?

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

The interest rate on FD in Delhi 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 Delhi?

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

Yes, premature withdrawal of a fixed deposit usually incurs a penalty, which typically involves a reduction in the applicable interest rate.

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

Yes, you can open a fixed deposit account in the name of a minor with the consent of a guardian under Shriram Fixed Deposit.

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

Yes, premature withdrawal of a fixed deposit usually comes with a penalty, which often involves a reduction in the applicable interest rate.

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

Yes, you can change the nominee for your FD account by submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Delhi?

Yes, you can open multiple fixed deposits across various financial institutions or within the same institution.

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

Generally, there is no upper limit for fixed deposits; however, some schemes may have specific limits set by financial institutions.

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

Yes, you can open a fixed deposit account in a joint account in Delhi subject to the financial institution’s terms and conditions.

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

Yes, many financial institutions offer additional fixed deposit interest rates for senior citizens compared to regular deposits. For instance, Shriram Finance offers 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 Delhi?

Shriram Finance offers an additional 0.50%* p.a. interest rate for senior citizens compared to regular depositors.

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

Yes, FD interest rates can vary depending on the tenure. Longer tenures generally provide different rates compared to shorter ones due to the duration of commitment.

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

To close a Shriram Fixed Deposit prematurely, you need to submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, premature closure is not permitted within three months of deposit/renewal unless it is due to 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.