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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 Dhanbad

Wondering how to manage your savings in a more planned way? Fixed deposits are often chosen by people in Dhanbad who want predictable returns over a selected period. It offers a simple approach to saving, with clarity on how much you’ll earn and when. This guide will help you understand how to open a Fixed Deposit in Dhanbad with Shriram Finance. With a Shriram Fixed Deposit, you can choose your investment duration, deposit amount, and how you prefer to receive the interest monthly, quarterly or at maturity. If you’re planning to start an FD in Dhanbad, this guide will give you the information you need to take a well-informed step toward better financial planning.

Types of Fixed Deposits

Shriram Finance in Dhanbad has fixed deposit plans to fit different savings needs.

interest rates

Cumulative Fixed Deposit

Here, the interest is added to the deposit amount and grows through compounding. The entire sum is paid at maturity, including the earned interest. This option may be suitable if you prefer saving over time without requiring regular payouts.

achievement

Non-Cumulative Fixed Deposit

This option pays interest at regular intervals monthly, quarterly, or yearly depending on your choice. It supports day-to-day expenses and offers regular income. The interest is worked out simply and paid according to the selected schedule. You can select the fixed deposit type based on your personal requirements. Whether you prefer growth or regular returns, Shriram Finance in Dhanbad offers both options through local branches or online services for easy access.

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.

Also, our FDs can be used for various other financial goals

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

When exploring savings options in Dhanbad, fixed deposits are worth considering. Knowing their features and benefits can help you make a better choice. Here are some important points that explain how fixed deposits can support your financial goals.

Flex Tenure
Attractive interest ratesAttractive interest rates
Attractive Interest
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors
Compounding Benefit
Flexible tenureFlexible tenure
Static Alt Text
Predictable returnsPredictable returns
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 Dhanbad

FD rates in Dhanbad can vary depending on the bank or financial firm and the investment duration. Different providers offer different interest rates, so it is good to check and compare. You can select a fixed deposit that gives interest regularly or helps grow your savings. This makes it easier to manage your funds and plan your finances. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. GGet 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 Dhanbad

If you wish to open a fixed deposit in Dhanbad, you need to meet some basic eligibility rules. The points below generally highlight what is needed to start a fixed deposit.

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

How to Invest in Fixed Deposit with Shriram in Dhanbad

Shriram Finance brings the Shriram Unnati Fixed Deposit to Dhanbad, offering the convenience of applying online or by visiting a branch. This fixed deposit allows you to choose a flexible term and earn interest accordingly. Keeping your documents ready can save time. Follow the steps listed below to open 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

    Complete the payment online and add nominee details.

  • Step 5

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Dhanbad?

When the deposit period ends, you may decide to renew your Shriram FD in Dhanbad and continue enjoying fixed deposit benefits. You can carry out the process online via the website or app. You may also visit a nearby branch. The steps outlined below explain how 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 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 Dhanbad

If you want to open fixed deposits or handle related tasks, FD branches in Dhanbad operated by Shriram Finance can assist you. These branches have knowledgeable staff to help with account renewals or new applications. A branch visit is useful for getting details on different deposit types.

Dhanbad

  • 1st Floor, Room No. - 10 & 11, Akash Emase Tower, Opposite SBI Bank, Main Road Dhaiya DHANBAD,JHARKHAND Pincode 826004 Phone18001036369

Dhanbad - II

  • 4th Floor, 432 Shri Ram Plaza Bank More DHANBAD,JHARKHAND Pincode 826001 Phone18001036369

Govindpur

  • First Floor, Opposite Neelanchal Colony, Beside Big Bazaar, Saraidhela DHANBAD,JHARKHAND Pincode 828127 Phone18001036369
View All Branches

Shriram FD Customer Care in Dhanbad

In Dhanbad, you may contact our Fixed Deposit Customer Care team if you have questions about your FD account. The team is prepared to offer support. Please see the contact numbers given below to connect with customer care.

Toll Free

Shriram FD Status in Dhanbad

To follow up on your Fixed deposit in Dhanbad, log into the online platform or call customer care. These channels allow you to view interest amounts and maturity dates, helping you manage your deposit better and offering convenience in monitoring the status whenever you need it.

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 Dhanbad?

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

What is the interest rate on Fixed Deposits in Dhanbad?

The interest rate on FD in Dhanbad 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 Dhanbad?

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

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 Dhanbad in the name of a minor?

Yes, with Shriram Fixed Deposit, you can open a fixed deposit account for a minor as long as the guardian provides their consent.

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

Yes, premature withdrawal of a fixed deposit usually results in a penalty that reduces the applicable interest rate on the deposit.

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

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

Can I open multiple Fixed Deposits in Dhanbad?

Yes, opening multiple fixed deposits is permitted both within one financial institution and across several institutions.

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

There is usually no upper limit on fixed deposits unless specified under particular schemes offered by financial institutions.

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

Yes, you can open a fixed deposit account in a joint account in Dhanbad subject to the financial institutions terms and conditions.

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

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 Dhanbad?

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 Dhanbad?

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 Dhanbad?

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.