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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 Giridih

A Fixed Deposit in Giridih is a preferred savings option for many who want stability in their investments. FD ensures predictable returns, making it ideal for investors whether salaried individuals, pensioners, or small business owners. With Shriram Finance, you can invest in a fixed deposit that offers both flexibility and competitive interest rates, helping your savings grow steadily over time. People in Giridih can turn to Shriram Fixed Deposit if they want to put aside a lump sum for future needs, like education, retirement or a family event. What makes this option attractive is the low entry point you can start with as little as Rs.5,000. The choice of tenure adds to the convenience, allowing you to align your investment with your goals. If you’re looking for a secure and low-maintenance way to build your savings, an FD in Giridih could be the right fit. Shriram Finance offers easy account opening, both online and offline, to make the process smooth for you.

Types of Fixed Deposits

Following are the various forms of FDs to achieve your financial goals

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit is a form of term deposit where the interest earned is reinvested rather than paid out regularly. This leads to a compounding effect, where the interest builds on the increasing principal. Upon maturity, a lump sum is paid out that includes both the original deposit and the compounded interest. Cumulative FDs work well for those looking for long-term growth and not dependent on periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposits pay out interest at regular intervals, offering a reliable income. It suits those needing frequent payouts. The interest is calculated using simple interest and can be disbursed monthly, quarterly or yearly. This option provides predictable earnings and more liquidity than cumulative FDs, ideal for managing ongoing expenses.

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 the fixed deposit features and benefits is crucial for choosing the right investment option. These are the main features and benefits of an FD:

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 Giridih

The FD rates in Giridih can vary from one bank or financial institution to another. Comparing them is vital to ensure higher returns. Interest rates are typically determined by the deposit term and the institution providing the FD. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. Get 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

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I am a Senior Citizen

STEP 02

I am a Woman

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Investment amount

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Tenure up to

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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 Giridih

Meeting specific fixed deposit eligibility criteria in Giridih is required before opening an account. The general eligibility requirements for an FD are as mentioned below

    • 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 Giridih

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You may apply for a fixed deposit account either online or at a branch. Keep your documents ready to ensure a smooth application process. The steps below outline how to invest in an 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 Giridih?

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

Shriram Finance has its operations with FD branches in Giridih to serve your deposit needs. Our experienced team can assist you with how to open fixed deposit accounts or manage your Unnati Fixed Deposit Scheme. Listed below are our Giridih branches

Giridih

  • 2nd Floor, Boro Post, Pachamba GIRIDH,JHARKHAND Pincode: 815316 Phone:18001036369

Rajdhanwar

  • At Gandhi Chowk, P-Complex, 1ST Floor, Main Road, Rajdhanwar GIRIDH,JHARKHAND Pincode: 825412 Phone:18001034959

Phusro

  • Second Floor, above ICICI Bank, Main Road, P.O Dhori, P.S Bermo, Phusro, Dhori BOKARO,JHARKHAND Pincode: 825102 Phone:18001034959
View All Branches

Shriram FD Customer Care in Giridih

If you have any questions or need help with your fixed deposit, our Fixed Deposit Customer Care team is available to assist. You may call us for quick support. You’ll find the customer care numbers below.

Toll Free

Shriram FD Status in GiridihShriram FD Status in Giridih

To review your Fixed Deposit status in Giridih, either use our online facilities or speak to customer care. Tracking your FD status helps you stay informed about earnings and maturity.

Fixed Deposit in Major Cities in India

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Fixed deposit in Punjab

Fixed Deposit FAQs

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

Shriram Finance accepts fixed deposits in Giridih starting from Rs.5,000. Subsequent deposits need to be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Giridih?

The interest rate on FD in Giridih 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 Giridih?

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

Yes, premature withdrawal of a fixed deposit is allowed in Giridih. However, penalties or a lower interest rate may apply based on the terms of the FD. You must always review the specific terms before opting for early closure.

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

Yes, you can open a fixed deposit account in the name of a minor. This requires a guardian’s consent.

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

Yes, withdrawing an FD before maturity typically attracts a penalty, often in the form of reduced interest.

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

Yes, you can change the nominee for your fixed deposit account in Giridih. This generally requires submitting a formal request along with valid identification for the new nominee.

Can I open multiple Fixed Deposits in Giridih?

Yes, investors may hold more than one FD either with the same provider or across different financial institutions.

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

Typically, there is no maximum limit on the amount that can be invested in a fixed deposit. However, some FD schemes may impose an upper cap based on the terms and conditions set by the institution.

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

Yes, you can open a fixed deposit account jointly in Giridih, subject to the terms and conditions of the financial institution.

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

Yes, many financial institutions offer additional interest rates for senior citizens on fixed deposits, typically 0.50%* p.a. on fixed deposits for senior citizens.

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

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 Giridih?

Yes, fixed deposit interest rates in Giridih can vary based on the tenure of the investment. Typically, longer tenures offer higher returns as financial institutions provide better rates for extended investment periods.

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

To close your Shriram FD prematurely in Giridih, you must submit the original deposit receipt with a Rs.1 revenue stamp affixed, a request letter for premature withdrawal, and a cancelled cheque for account verification. As per RBI guidelines, premature closure is not allowed within the first three months from the date of deposit or renewal, except in the event 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.