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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 Durgapur

Saving with purpose can help you feel more confident about plans. In Durgapur, fixed deposits remain a popular choice for those who prefer steady and organised savings. It helps you set aside funds for a chosen period while earning interest in a way that suits your needs. This guide will help you explore how to open a Fixed Deposit in Durgapur with Shriram Finance. A Shriram Fixed Deposit offers flexibility in choosing how much to invest, how long to invest, and how frequently to receive your interest. If you are planning to start an FD in Durgapur, this guide will give you all the essential information to take the next step in a clear and informed manner.

Types of Fixed Deposits

Shriram Finance in Durgapur offers two fixed deposit options that cater to different financial needs.

interest rates

Cumulative Fixed Deposit

Interest is not paid regularly but added back to the deposit, increasing the total through compounding. You get the entire amount, including interest, at the end of the term. This is suitable for those who wish to grow their funds over time.

achievement

Non-Cumulative Fixed Deposit

This type pays interest on a regular basis—monthly, quarterly, or annually—depending on your preference. It helps manage ongoing expenses and ensures regular income. Interest is calculated in a clear manner and paid on time. You can select the option that matches your savings goals. Both types are available through Shriram Finance branches in Durgapur or via the online application process, offering flexibility and convenience.

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 fixed deposits can be helpful when saving in Durgapur. Knowing their features and benefits helps you select the most suitable option for your needs. Some of the main highlights of fixed deposits are listed below to guide your decision.

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 Durgapur

FD rates in Durgapur change depending on the institution and the length of the deposit. Since interest rates vary, comparing several options can guide you. Based on your needs, you can choose to receive interest regularly or let your savings increase. The right fixed deposit plan helps you meet your financial goals effectively. 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 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 Durgapur

Starting a fixed deposit in Durgapur usually involves meeting certain eligibility rules. Most institutions follow the general criteria outlined below when allowing new fixed deposit accounts.

    • 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 Durgapur

In Durgapur, Shriram Finance provides the Shriram Unnati Fixed Deposit with application options online and through branches. The fixed deposit includes flexible durations and practical interest rates. To help speed up the process, have your documents ready. Below are the steps you can follow to open your 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 Durgapur?

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

Shriram Finance provides services through FD branches in Durgapur where you can open fixed deposits or seek help with account matters. Staff are available for renewals, applications, and other related queries. A visit to the branch allows you to learn more about the features of each fixed deposit option.

Durgapur

  • 1st Floor, Landmark Building, Opposite Central Library, City Centre DURGAPUR,WEST BENGAL Pincode: 713216 Phone:18001036369

Bankura

  • Above HMT Tractor Showroom, H. No. 221/2/A, Durgapur Bye Pass Road, Lalbazar P.O. - Bankura BANKURA,WEST BENGAL Pincode: 722101 Phone:18001036369

Sonamukhi

  • First Floor, Rajlaxmi Market, Near Police Station, Near Electric Office, Thanagora, Sonamukhi BANKURA,WEST BENGAL Pincode: 722207 Phone:18001034959
View All Branches

Shriram FD Customer Care in Durgapur

Those in Durgapur can reach out to our Fixed Deposit Customer Care team for guidance regarding their FD account. Our team is ready to assist. The contact information is mentioned below, making it easier for you to get the help you need.

Toll Free

Shriram FD Status in Durgapur

Stay informed about your Fixed deposit in Durgapur by accessing the online portal or contacting customer care. These platforms allow you to review the interest information and maturity updates, helping you understand the progress of your deposit and giving you control over your financial planning.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

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

The interest rate on FD in Durgapur 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 Durgapur?

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

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 Durgapur 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 Durgapur?

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

Can I open multiple Fixed Deposits in Durgapur?

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 Durgapur?

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 Durgapur?

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

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

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 Durgapur?

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 Durgapur?

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 Durgapur?

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.