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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 Durg

Investing in a Fixed Deposit in Durg provides residents with a disciplined pathway to growing savings with reliable returns. FDs in Durg feature transparent terms that help investors plan with precision. This guide covers fundamental aspects of fixed deposits, from current interest rate to liquidity options, enabling you to create investment approaches that support both immediate financial requirements and future goals in this thriving city.

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Fixed Deposit utilises an interest reinvestment mechanism where earnings join your principal rather than being withdrawn. This generates a powerful compounding dynamic that enhances your wealth accumulation, producing returns on both your initial capital and previously generated interest. At maturity, you receive the consolidated amount comprising your original investment and all compounded earnings. This strategy particularly suits investors pursuing substantial long-term growth without requiring periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit establishes regular interest payments at specified intervals, creating a reliable income stream. These distributions, calculated through simple interest formulas, can be arranged monthly, quarterly, or annually to match your requirements. This structure provides predictable earnings and improved liquidity compared to cumulative alternatives, especially benefiting those needing to address recurring financial obligations.

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.

We also offer Fixed Deposits designed to meet specific financial targets

  • Fixed Deposit for Children
  • FD for Wedding Expenses
  • 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

Identifying the central features and advantages of fixed deposits is important for making thoughtful investment choices. The fundamental characteristics of FD include

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

Shriram Fixed Deposit Interest Rates in Durg

FD rates in Durg reveal notable contrasts between competing banks and NBFCs. Smart investors always check multiple choices before placing their savings. Your interest generally varies based on factors such as your preferred tenure and the specific financial institution managing 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.

Note:Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit / renewal.

The above additional interest rates will be applied on the yearly rate, which will be factored correspondingly into the calculation of compounding interest rates for periods shorter than a year, including monthly, quarterly, and half-yearly rates.

Fixed Deposit Returns Calculator

STEP 01

I am a Senior Citizen

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I am a Woman

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Investment amount

₹

STEP 04

Tenure up to

months

Min 12 months

Max 60 months

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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 Durg

For qualifying for a Shriram Finance fixed deposit in Durg, investors need to meet established eligibility requirements. The groups that are eligible to start fixed deposits in Durg consist of

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

How to Invest in Fixed Deposit with Shriram in Durg

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit is straightforward via internet services or by personally visiting a Durg branch to file your application. Gather all necessary identification and address verification documents beforehand for a smooth enrolment procedure. Typically, these sequential actions help you 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 Durg?

At your FD maturity point, considering the value of electing to renew your Shriram FD in Durg can support continued financial advancement. Access our online tools or visit a local branch to arrange your renewal. This procedure outlines how to complete your FD renewal through our digital services

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 Durg

Shriram Finance maintains conveniently positioned FD branches in Durg to address your fixed deposit interests. These client-focused locations have qualified financial advisors who offer specialised counsel on how to open fixed deposit accounts or handle existing Unnati Fixed Deposit Scheme portfolios. Below is the listing of Shriram Finance branches in Durg

Amleshwar

  • 1st Floor, H.No-35, Amleshwar Tahasil, Patan DURG,CHHATTISGARH Pincode 491111 Phone18001036369

Dhamdha

  • Ground Floor, Ward No.02, Behind Bank of India Main Road, Dhamda DURG,CHHATTISGARH Pincode 491331 Phone18001036369

Patan (CG)

  • 1St Floor, Ward No. 04, Infront of Tehsil Office, Near New Bus Stand, Patan DURG,CHHATTISGARH Pincode 491111 Phone18001034959
View All Branches

Shriram FD Customer Care in Durg

Should questions arise or you seek additional information about your fixed deposit account, our specialised Fixed Deposit Customer Care specialists in Durg are ready to deliver comprehensive answers. Use our telephone line for quick assistance regarding your investments. Our full customer support information remains easily accessible at any time.

Toll Free

Shriram FD Status in Durg

For evaluating your Shriram Fixed Deposit status in Durg, visit our comprehensive web portal or connect with our responsive customer service experts. Regular observation of your FD status enables you to stay conscious about nearing maturity dates and interest enhancements.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Durg?

The interest rate on FD in Durg 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 Durg?

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

Yes, early withdrawal of fixed deposits is permitted in Durg, though it typically entails penalties or reduced interest benefits. It is advisable to examine the specific conditions before initiating the process.

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

Yes, you can open a fixed deposit account for a minor in Durg with appropriate guardian oversight through Shriram Fixed Deposit services.

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

Yes, withdrawing from a fixed deposit before maturity generally incurs penalties, typically implemented as a reduction in the applicable interest rate on the deposit amount.

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

Yes, updating the nominee for your FD account in Durg is feasible. This process usually requires submitting a formal application along with proper identification documents for the new nominee.

Can I open multiple Fixed Deposits in Durg?

Yes, you have the flexibility to establish multiple fixed deposits in Durg across different financial institutions or within the same banking organisation.

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

Generally, there is no defined upper limit, although specific financial institutions may set maximum thresholds for particular deposit schemes.

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

Yes, creating a fixed deposit through a joint account in Durg is possible, provided you comply with the financial institution's terms and requirements.

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

Yes, many financial organisations offer enhanced fixed deposit plans with preferential interest rates for senior citizens in Durg. Specifically, Shriram Finance provides an additional 0.50%* p.a. interest rate for senior citizen depositors.

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

At Shriram Finance, senior citizens enjoy 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 Durg?

Yes, interest rates for fixed deposits vary based on the investment period. Typically, longer commitment durations offer more attractive rates compared to shorter terms due to the extended investment timeframe.

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

To prematurely terminate a Shriram FD in Durg, you need to submit the original deposit certificate with a Rs.1 revenue stamp affixed, along with a written request and a cancelled cheque. As mandated by RBI directives, deposits cannot be closed before completing three months from the date of deposit/renewal except in cases of depositor's demise.

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.