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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 Ghaziabad

Is keeping your money idle helping you move closer to your financial goals? In a city like Ghaziabad, where daily expenses and future plans often conflict, many people are now reevaluating their saving strategies. A fixed deposit can be a practical option it gives your savings a purpose, a timeline, and expected returns. Opening a Fixed Deposit in Ghaziabad with Shriram Finance allows you to choose what works for you whether it’s how much you want to invest or when you prefer to receive your interest. With a Shriram Fixed Deposit, your money is not just kept aside it’s put to work. If you’re considering an FD in Ghaziabad, this guide will help you understand what it entails and how to approach it in a way that aligns with your plans not just the product.

Types of Fixed Deposits

Fixed deposits from Shriram Finance in Ghaziabad cater to different savings approaches.

interest rates

Cumulative Fixed Deposit

Interest is added to the principal and grows over time. You receive the full amount, including accumulated interest, at the end of the term. It is a suitable choice if you want your savings to grow without regular interest payouts.

achievement

Non-Cumulative Fixed Deposit

This type provides interest at fixed intervals monthly, quarterly, or yearly depending on your choice. It helps manage routine expenses and gives you a regular source of income. Interest is calculated straightforwardly and paid on the selected schedule. Whether you prefer saving for the future or need regular earnings, you can pick the deposit type that suits your needs. Shriram Finance offers both deposit types through their Ghaziabad branches and online platform.

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

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

To make smart savings decisions in Ghaziabad, it is good to understand the features and benefits of fixed deposits. Some of the key points are listed below.

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

Shriram Fixed Deposit Interest Rates in Ghaziabad

FD rates in Ghaziabad vary based on the bank or finance company and how long you invest. Interest rates may be different with each provider, so it is wise to compare them. You can go for an option that gives regular returns or allows your savings to grow. A well-chosen fixed deposit helps you manage your money better and plan future expenses more clearly. 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 Ghaziabad

Before setting up a fixed deposit in Ghaziabad, it is important to check the eligibility rules. Usually, the requirements mentioned below must be met before you can open your fixed deposit.

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

How to Invest in Fixed Deposit with Shriram in Ghaziabad

Shriram Finance offers Shriram Unnati Fixed Deposit to people in Ghaziabad. This allows you to apply online or visit a nearby branch. This fixed deposit comes with flexible durations and suitable interest options. To make the process easier, keep your documents handy. You can refer to the steps below for guidance on applying for 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 Ghaziabad?

When the deposit period ends, you may decide to renew your Shriram FD in Ghaziabad 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 Ghaziabad

Shriram Finance has FD branches in Ghaziabad that assist customers looking to open fixed deposits or maintain existing accounts. Trained staff are available to guide you with account opening, renewals, and other needs. A branch visit may help you explore different fixed deposit types and choose the right one.

Dilshad Garden

  • Plot No 12, Block 3, 2nd Floor, Village Chikamberpur, Near Dilshad Garden Metro Station, Apsara Cinema Sahibabad GHAZIABAD,UTTAR PRADESH Pincode 201006 Phone18001036369

Ghaziabad

  • First Floor, B-5, Patel Nagar-II, Above Ganga Electronics Pvt. Ltd, Meerut Road GHAZIABAD,UTTAR PRADESH Pincode 201001 Phone18001036369

Ghaziabad - I

  • Plot No-507, 1st Floor, Sachin Complex, Kamla Quarter, Grand Trunk Road, Bhatia Mode GHAZIABAD,UTTAR PRADESH Pincode 201001 Phone18001036369
View All Branches

Shriram FD Customer Care in Ghaziabad

If you are based in Ghaziabad and require assistance with your fixed deposit account, you can contact our Fixed Deposit Customer Care team. They are here to help with any issues or queries. The contact details are provided below for quick access.

Toll Free

Shriram FD Status in Ghaziabad

To keep up with your fixed deposit in Ghaziabad, use the digital portal or contact customer care. Both options give access to important information such as maturity timelines and earned interest, helping you manage your deposit wisely and ensuring you can view the status when required.

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 Ghaziabad?

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

What is the interest rate on Fixed Deposits in Ghaziabad?

The interest rate on FD in Ghaziabad 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 Ghaziabad?

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

Yes, you can withdraw your fixed deposit before maturity in Ghaziabad. However, it may include a penalty, typically in the form of a reduced interest rate.

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

Yes, Shriram Finance allows you to open a fixed deposit account in Ghaziabad for a minor, provided the guardian gives consent and submits the necessary documents.

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

Yes, in Ghaziabad, withdrawing a fixed deposit early usually attracts a penalty, which can reduce the applicable interest rate.

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

Yes, you can update the nominee of your FD in Ghaziabad by filling out a request form and submitting the new nominee’s valid ID proof.

Can I open multiple Fixed Deposits in Ghaziabad?

Yes, in Ghaziabad, it is possible to hold multiple fixed deposits either with one financial institution or across different ones.

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

Generally, there is no upper limit to investing in fixed deposits in Ghaziabad, unless specified under a particular financial product.

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

Yes, a fixed deposit account can be opened in Ghaziabad jointly, subject to the terms laid out by the financial provider.

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

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 Ghaziabad?

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 Ghaziabad?

Yes, in Ghaziabad, interest rates for fixed deposits can vary depending on the tenure, with different durations offering different rates.

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

To prematurely close a Shriram Fixed Deposit in Ghaziabad, provide the original FD receipt, a Rs.1 revenue stamp, a written request, and a cancelled cheque. As per RBI rules, closure within three months is only allowed 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.