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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 Dhamtari

Investing in a Fixed Deposit in Dhamtari provides residents with a structured path to building savings with reliable returns. FD in Dhamtari present transparent frameworks that facilitate informed decision making. This guide covers fundamental aspects of fixed deposits, from current interest rates to maturity provisions, enabling you to make investment choices that balance immediate financial requirements with future stability in this district.

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 utilises an interest accrual approach where earnings are continuously added to your principal rather than distributed. This establishes an intensifying compounding mechanism that accelerates your investment growth, generating returns on both your initial sum and previously accumulated interest. When your term is complete, you receive the total amount including your original deposit and all compounded earnings. This method particularly benefits those pursuing maximum long-term capital appreciation without requiring periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit implements regular interest disbursements at predetermined intervals, creating a steady income stream. Calculated through simple interest principles, these payments can be arranged monthly, quarterly, or yearly according to your preferences. This framework provides consistent earnings and superior liquidity compared to cumulative alternatives, especially supporting those with recurring expense requirements.

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.

Furthermore, our FDs can facilitate various additional financial objectives

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

The FD interest rate is 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 a Non-Cumulative Fixed Deposit pay out interest at regular intervals (monthly, quarterly, half-yearly, or yearly).

Shriram Fixed Deposit Features and Benefits

Understanding the key features and benefits of fixed deposits is vital for making appropriate investment choices. The essential aspects of FD comprise

Flex Tenure
Low minimum investment amountLow minimum investment amount
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
Static Alt Text
Predictable returnsPredictable returns
Predictable Return
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
Cumulative
Compounding benefitsCompounding benefits
Low Investment
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors

Shriram Fixed Deposit Interest Rates in Dhamtari

FD rates in Dhamtari present significant variations across different banks and NBFCs. Smart savers regularly examine several options before investing their money. The returns you get usually vary based on aspects including your chosen tenure and the particular financial organisation securing your deposit. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. Get an interest rate of up to 8.15%* 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 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Dhamtari

To start a Shriram Finance fixed deposit in Dhamtari, prospective investors must fulfill established eligibility guidelines. The categories that can invest in fixed deposits in Dhamtari include

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

How to Invest in Fixed Deposit with Shriram in Dhamtari

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Applying for a fixed deposit is straightforward via digital platforms or by personally going to a Dhamtari branch to file your forms. Gather all necessary ID and residential proof papers beforehand for a smooth registration process. Typically, these sequential actions permit you 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

    Complete the payment online and add nominee details.

  • Step 5

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Dhamtari?

At your FD maturity point, assessing the advantages of choosing to renew your Shriram FD in Dhamtari may support extended financial advancement. Check our website or approach a nearby branch to manage your renewal. This process outlines how to finalise your FD renewal via our online facilities

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 Select the FD amount and tenure.
Review
Step 5 Review and confirm the terms of the renewed FD investment and confirm the renewal.
Confirm
Step 6 Once the renewal process is complete, a confirmation of the FD renewal will be sent to you.

Shriram Fixed Deposit Branches in Dhamtari

Shriram Finance has conveniently established FD branches in Dhamtari to address your fixed deposit goals. These customer-focused locations feature professional financial consultants who offer specialised assistance on how to open fixed deposit accounts or handle current Unnati Fixed Deposit Scheme plans. Below is the compilation of Shriram Finance branches in Dhamtari

Dhamtari - I

  • 01, Complex No. 01, Near Municipal School, Risaipara DHAMTARI,CHHATTISGARH Pincode 493773 Phone18001036369

Dhamtari

  • Ground Floor, Door No. 1, Shop No. 1, Near Haridiha Sahu Samaj Bhavan, Ratnabandha Road, Swami Vivekanand Ward No. 33 DHAMTARI,CHHATTISGARH Pincode 493773 Phone18001036369
View All Branches

Shriram FD Customer Care in Dhamtari

If inquiries arise or you need additional clarity about your fixed deposit account, our specialised Fixed Deposit Customer Care representatives in Dhamtari are available to provide detailed answers. Use our phone helpline for effective assistance regarding your investments. Our comprehensive customer service details are readily available whenever necessary.

Toll Free

Shriram FD Status in Dhamtari

To examine your Shriram Fixed Deposit status in Dhamtari, use our comprehensive digital portal or get in touch with our responsive customer service personnel. Regular review of your FD status allows you to remain conscious about forthcoming maturity timeframes and interest progressions.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Dhamtari?

The interest rate on FD in Dhamtari 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 Dhamtari?

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

Yes, premature withdrawal of fixed deposits is available in Dhamtari, though it generally comes with certain penalties or diminished interest earnings. It is recommended to verify the specific terms before proceeding.

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

Yes, you can open a fixed deposit account in Dhamtari under a minor's name with proper guardian authorisation through Shriram Fixed Deposit.

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

Yes, early withdrawal from a fixed deposit typically attracts a penalty, which usually takes the form of a reduced interest rate applied to the deposit amount.

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

Yes, modifying the nominee for your FD account in Dhamtari is permissible. The process generally involves submitting a formal request along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Dhamtari?

Yes, you may establish several fixed deposits in Dhamtari with different financial institutions or within the same banking entity.

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

Typically, no upper investment ceiling exists, though individual financial institutions might enforce specific limits on certain deposit plans.

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

Yes, establishing a fixed deposit through a joint account in Dhamtari is possible, subject to the financial institution's established guidelines.

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

Yes, numerous financial institutions provide specialised fixed deposit options with enhanced interest rates for senior citizens in Dhamtari. For instance, Shriram Finance offers an additional 0.50%* p.a. interest benefit for senior citizen depositors.

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

Shriram Finance provides senior citizens with a preferential interest rate that is 0.50%* p.a. higher than the standard rate offered to regular depositors.

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

Yes, fixed deposit interest rates vary according to the investment duration. Generally, longer commitment periods attract higher interest rates compared to shorter terms due to the extended investment timeframe.

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

For premature closure of a Shriram FD in Dhamtari, you must present the original deposit receipt with a Rs1 revenue stamp affixed, accompanied by a written request and a cancelled cheque. According to RBI regulations, deposits cannot be terminated before completing three months from the initial deposit/renewal date except in cases of 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.