Download Shriram One app
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)

T&C Apply

  • Yes
  • No
stickyTab

Fixed Deposit In Gurugram

Not sure where your savings should go next? In a fast-paced city like Gurugram, it’s easy to postpone financial planning. But many are now turning to fixed deposits to bring structure to their savings. It’s a practical way to set aside funds for a set period and receive interest regularly or at the end of the term. This guide helps you explore how to start a Fixed Deposit in Gurugram with Shriram Finance. A Shriram Fixed Deposit offers flexible choices in investment amount, duration, and interest payout. If you are thinking of opening an FD in Gurugram, this guide will give you the clarity you need before taking that step.

Types of Fixed Deposits

Explore the types of fixed deposits that can help you manage your financial goals effectively

interest rates

Cumulative Fixed Deposit

In a cumulative fixed deposit, interest is reinvested along with the principal instead of being paid periodically. This helps increase the total returns over time. On maturity, the combined amount of the initial deposit and earned interest is paid. It suits those aiming for long-term goals.

achievement

Non-Cumulative Fixed Deposit

Non-cumulative fixed deposits provide interest at set intervals such as monthly, quarterly, or annually. This structure benefits individuals who prefer a regular income flow. Interest is calculated separately and paid out periodically, making it useful for covering frequent or planned 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.

Also, our FDs can be used for various other financial goals

  • FD for Wedding Expenses
  • Fixed Deposit for Children
  • 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

If you wish to plan your savings in Gurugram, it is helpful to know how fixed deposits function. Understanding their features and benefits will help support better decisions. The key aspects of fixed deposits are explained below.

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

Shriram Fixed Deposit Interest Rates in Gurugram

FD rates in Gurugram vary depending on the institution and how long you plan to invest. Different financial providers offer different interest rates, so it’s useful to compare them. Whether you want a regular income from your deposit or wish to grow your money over time, selecting a fixed deposit that matches your goals can help you manage your savings effectively and make better financial decisions. 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.

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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Gurugram

When planning to open a fixed deposit in Gurugram, you need to follow certain eligibility steps. Usually, the criteria listed below are needed to begin a fixed deposit

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

How to Invest in Fixed Deposit with Shriram in Gurugram

Shriram Finance brings its Shriram Unnati Fixed Deposit to Gurugram, offering online and branch-based application options. The fixed deposit offers flexible tenures and reasonable interest rates. To begin, keep your documents ready for a quicker process. Below are the steps that help guide you through opening 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

    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 Gurugram?

Once your deposit matures, you have the option to renew your Shriram FD in Gurugram and continue enjoying fixed deposit benefits. The renewal process can be done online via the website or app or at a nearby branch. Follow the steps below 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 Gurugram

Shriram Finance provides customer support through FD branches in Gurugram, where you can easily manage or open fixed deposits. Trained staff assist with account opening, renewals, and other fixed deposit queries. Visiting a branch helps you understand the features of different deposit types before applying.

Gurgaon - III

  • C-42 A, 4Th Floor, Super Mart 1, DLF- IV GURUGRAM,HARYANA Pincode 122009 Phone18001036369

Gurgaon

  • Floor II, Atul Kataria Marg, Opposite Petrol Pump, Sector 5 GURUGRAM,HARYANA Pincode 122001 Phone18001036369

Gurgaon - II

  • Plot No 469/11 Subhash Nagar,Old Railway Road, Gurugram H.O, Sadar Bazar GURUGRAM,HARYANA Pincode 122001 Phone18001036369
View All Branches

Shriram FD Customer Care in Gurugram

For help with your fixed deposit, the Fixed Deposit Customer Care team in Gurugram is available to address your concerns. You can find the customer care contact details below for quick assistance.

Toll Free

Shriram FD Status in Gurugram

To stay informed about your Fixed deposit in Guntur, access the online portal or reach out to customer care. These channels provide details about maturity and interest earnings, enabling you to make well-informed financial choices. Tracking your deposit regularly offers convenience and better control over your savings.

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 Gurugram?

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

What is the interest rate on Fixed Deposits in Gurugram?

The interest rate on FD in Gurugram 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 Gurugram?

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

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 Gurugram 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 Gurugram?

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

Can I open multiple Fixed Deposits in Gurugram?

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 Gurugram?

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 Gurugram?

Yes, you can open a fixed deposit account in a joint account in Gurugram subject to the financial institutions terms and conditions.

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

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 Gurugram?

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 Gurugram?

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 Gurugram?

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.