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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 Gaya

Starting a Fixed Deposit in Gaya allows for disciplined wealth accumulation through a systematised savings approach. The FD in Gaya offers clarity and confidence through well-defined terms and predictable outcomes. This comprehensive guide examines essential components of fixed deposit accounts, including interest structures and withdrawal provisions, equipping you to make financial choices that accommodate both present needs and future goals.

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 functions by retaining interest rather than disbursing it, with earnings progressively integrated into your principal amount. This establishes an expanding compounding effect that enhances your wealth accumulation, generating returns on both your initial investment and previously earned interest. When your deposit reaches maturity, you receive the comprehensive sum comprising your original deposit plus all compounded earnings. This format particularly advantages those pursuing substantial long-term capital growth without requiring periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit enables interest payments at predetermined intervals, creating a reliable income source. These disbursements, calculated using simple interest principles, can be scheduled monthly, quarterly, or yearly according to your preferences. This approach delivers steady returns and greater access to funds compared to cumulative options, especially advantageous for those with recurring financial responsibilities.

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.

In addition, our FDs can support planning for important life events

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

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 fundamental advantages and attributes of fixed deposits helps in establishing effective financial plans. The crucial aspects of FD consist of

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

Shriram Fixed Deposit Interest Rates in Gaya

FD rates in Gaya demonstrate considerable differentiation between different financial service providers. Prudent savers methodically assess multiple possibilities before investing their resources. The interest you receive typically fluctuates based on factors such as your selected deposit tenure and the particular financial organisation safeguarding your capital. 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

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 Gaya

Opening a Shriram Fixed Deposit in Gaya demands satisfaction of specific eligibility prerequisites. The groups permitted to initiate fixed deposits in Gaya comprise

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

How to Invest in Fixed Deposit with Shriram in Gaya

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Setting up a fixed deposit is straightforward whether you utilise online channels or elect to visit a Gaya branch in person to present your paperwork. Prepare all necessary identification and residence proof documents in advance for an efficient application journey. Typically, these systematic processes permit you to establish an FD using electronic platforms.

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 Gaya?

Once your FD matures, reviewing the benefits of renewing your Shriram FD in Gaya could contribute to your continuing financial prosperity. Check our website or contact a branch in your area to process your renewal. Here's a straightforward guide to completing your FD renewal through our online portal

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 Gaya

Shriram Finance has thoughtfully installed FD branches in Gaya to accommodate your fixed deposit requirements. These service-oriented facilities feature experienced financial advisors who offer professional guidance on how to open fixed deposit accounts or monitor existing Unnati Fixed Deposit Scheme portfolios. Below is a listing of Shriram Finance branches in Gaya

Gaya - I

  • Shri Hari Palace,2nd Floor, Chand Chaura More, Near Dr.Manju Mala, Chand Chaura PO, Vihnupad PS GAYA,BIHAR Pincode 823001 Phone18001036369

Gaya - II

  • Usha Niwas, Sikhar More, NH-82, Near Rajwara Resort, Manpur Manpur GAYA,BIHAR Pincode 823003 Phone18001036369

Gaya

  • Holding No.-23A,Ward No. - 5/10-19, 1st Floor, Noor Complex ,Sri Krishna Road,Opposite Civil Line GAYA,BIHAR Pincode 823001 Phone18001036369
View All Branches

Shriram FD Customer Care in Gaya

Should queries arise or you require further understanding about your fixed deposit account, our expert Fixed Deposit Customer Care team in Gaya is ready to offer complete guidance. Connect with our phone support for swift help with your investments. Our comprehensive customer service details remain available whenever needed.

Toll Free

Shriram FD Status in Gaya

For examining your Shriram Fixed Deposit status in Gaya, leverage our comprehensive digital interface or connect with our knowledgeable customer service staff. Routine review of your FD status helps you stay updated on upcoming maturity timeframes and interest accumulation.

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 Gaya?

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

What is the interest rate on Fixed Deposits in Gaya?

The interest rate on FD in Gaya 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 Gaya?

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

Yes, premature withdrawal of a fixed deposit is feasible in Gaya; however, it could trigger penalties or diminished interest rates. It is prudent to review the specific terms before proceeding.

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

Yes, you can initiate a fixed deposit account for a minor with guardian approval with Shriram Fixed Deposit.

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

Yes, there is generally a penalty for premature withdrawal of a fixed deposit. This penalty often comprises a decrease in the interest rates that would normally apply to the deposit.

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

Yes, you can modify the nominee for your FD account in Gaya. This process usually necessitates submitting a formal request along with valid identification proof of the new nominee.

Can I open multiple Fixed Deposits in Gaya?

Yes, you can open multiple fixed deposits in Gaya across various financial institutions or within the same financial establishment.

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

Generally, there is no ceiling amount; however, certain financial institutions may offer specific programs with defined limits.

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

Yes, you can establish a fixed deposit account in a joint account in Gaya subject to the financial institution's policies and conditions.

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

Yes, many financial institutions provide enhanced fixed deposit interest rates for senior citizens compared to standard deposits. For instance, Shriram Finance offers an 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 Gaya?

Shriram Finance provides 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 Gaya?

Yes, FD interest rates can vary based on tenure. Typically, longer tenures might offer higher interest rates compared to shorter ones due to the extended commitment period from the depositor.

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

To prematurely close a Shriram FD, submit the original deposit receipt with a Rs.1 revenue stamp, a written request, and a cancelled cheque. According to RBI guidelines, a deposit receipt cannot be prematurely closed before three months from the deposit/renewal date except in case 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.