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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 Deoghar

Deoghar’s residents are increasingly choosing fixed deposits to manage their finances without taking unnecessary risks. This investment option is a smart choice for both short-term and long-term needs. A Fixed Deposit in Deoghar offers a stable and reliable method to grow your money over time. Shriram Finance gives you access to competitive returns, flexible tenure options, and a hassle-free experience through its fixed deposits. Shriram Fixed Deposit is well-suited for those who want steady returns while keeping their funds secure. Whether you’re planning ahead for family responsibilities or simply want a safe place to park your surplus money, this FD meets your expectations without complicating the process. The people of Deoghar appreciate the trust and simplicity Shriram Finance brings. With minimal documentation and timely support, opening a fixed deposit becomes a smooth journey. Take control of your savings today. Open an FD in Deoghar with Shriram Finance and move closer to your financial goals.

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 allows interest to accumulate with the principal, rather than being paid out regularly. This results in compounded growth as the interest continues to build on the total amount. On maturity, the full amount which comprises the deposit and all earned interest is paid out. It is a preferred option for those looking to maximise returns over time without needing interim income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit distributes interest at chosen intervals, offering consistent income. It follows simple interest and allows for monthly, quarterly, or annual payouts. This option provides reliable cash flow and improved liquidity, making it suitable for covering routine 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

Being familiar with the features and benefits of fixed deposits helps you make better financial plans. Here’s a quick look at the primary features and benefits of an 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 Deoghar

The FD rates in Deoghar may differ across banks and financial institutions. Reviewing and comparing the rates carefully will help you get better returns. These rates are generally affected by the deposit tenure and the type of institution offering the fixed 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 Deoghar

You will need to fulfil certain fixed deposit eligibility requirements to open an FD account in Deoghar. Usually, these eligibility norms include the following.

  • 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 Deoghar

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can open a fixed deposit account online or visit a branch to complete the application process. Make sure that you have all the required documentation ready for a smooth experience. Generally, the steps below are the process to invest in FD 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 Deoghar?

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

Shriram Finance operates FD branches in Deoghar to serve your fixed deposit needs. The staff at these branches are trained to provide expert guidance on how to open fixed deposit or manage the existing Unnati Fixed Deposit Scheme accounts. Here is a list of Shriram Finance branches in Deoghar

Deoghar

  • 204, 2nd Floor of Bhagwan Complex, Shailwala Ray Road, Near Bhagwan Talkies DEOGHAR,JHARKHAND Pincode: 814112 Phone:18001036369

Chaibasa

  • 2A Floor IIM, Shri Balaji Apartment Syndicate Bank CHAIBASA,JHARKHAND Pincode: 833201 Phone:18001036369

Phusro

  • Second Floor, above ICICI Bank, Main Road, P.O Dhori, P.S Bermo, Phusro, Dhori BOKARO,JHARKHAND Pincode: 825102 Phone:18001034959
View All Branches

Shriram FD Customer Care in Deoghar

If you require help with your fixed deposit, our Fixed Deposit Customer Care is ready to assist. You can contact us via phone for any queries or service requests. Please see our customer care numbers below.

Toll Free

Shriram FD Status in Deoghar

To check your Shriram Fixed Deposit status in Deoghar, log in through our online platform or call our customer care team. Monitoring your FD status keeps you updated about upcoming maturities and earned interest.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore

Fixed Deposit FAQs

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

In Deoghar, the minimum investment for a Shriram fixed deposit is Rs.5,000, and subsequent investments must be in Rs.1,000 multiples.

What is the interest rate on Fixed Deposits in Deoghar?

The interest rate on FD in Deoghar 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 Deoghar?

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

Yes, you can withdraw your fixed deposit before maturity in Deoghar. However, such withdrawals may lead to lower interest earnings or applicable penalties.

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

Yes, a fixed deposit account in Deoghar can be opened in the name of a minor, provided a guardian gives consent and manages the account.

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

Yes, withdrawing a fixed deposit early typically results in a penalty. This is most often through a reduced interest rate.

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

Yes, nominee details on a fixed deposit in Deoghar can be changed. A request form and identification for the new nominee are required.

Can I open multiple Fixed Deposits in Deoghar?

Yes, you can open multiple fixed deposits in Deoghar, either with the same financial institution or across different ones.

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

While most institutions do not impose an upper limit, some specific FD schemes may have defined investment caps.

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

Yes, joint FD accounts are allowed in Deoghar as per the terms set by the financial provider.

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

Yes, many financial institutions offer additional interest rates for senior citizens on fixed deposits, typically 0.50%* p.a. for senior citizen depositors.

What is the difference between FD interest rates for regular and senior citizens in Deoghar?

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 Deoghar?

Yes, FD interest rates vary depending on the tenure. Longer-term FDs usually come with better interest returns due to extended commitment from the depositor.

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

To close a Shriram Finance fixed deposit prematurely, you must submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI guidelines, fixed deposits are not allowed to be closed prematurely within three months of deposit or renewal, except in the event 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.