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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 Guwahati

Are your savings aligned with your plans? In a growing city like Guwahati, managing money wisely is becoming more important than ever. Many people are now choosing fixed deposits to give their savings a defined purpose. It’s a steady and planned way to grow your money over time. This guide will walk you through the steps to open a Fixed Deposit in Guwahati with Shriram Finance. A Shriram Fixed Deposit allows you to choose your investment amount, the period, and when you’d like to receive interest. If you’re considering an FD in Guwahati, this guide will help you understand what to expect and how to make a decision that suits your needs.

Types of Fixed Deposits

Choose from the available fixed deposit options that suit your financial objectives

interest rates

Cumulative Fixed Deposit

Cumulative fixed deposits grow by compounding interest with the principal throughout the term. There are no regular payouts during the tenure. On maturity, the total of the deposit and accumulated interest is given. This deposit type is suitable for long-term investors not seeking periodic income.

achievement

Non-Cumulative Fixed Deposit

In this format, interest is not reinvested but paid regularly monthly, quarterly, or yearly. It helps manage regular expenses while maintaining the principal. Non-cumulative fixed deposits are ideal for individuals looking for a fixed income stream alongside capital preservation.

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

To manage your money better in Guwahati, it is important to understand how fixed deposits work. Knowing the features and uses of fixed deposits can help you make informed decisions. Some key details are given below.

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
Flexible tenureFlexible tenure
Static Alt Text
Predictable returns Predictable returns
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 Guwahati

FD rates in Guwahati 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. 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Guwahati

When planning to open a fixed deposit in Guwahati, 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 Guwahati

FD rates in Guwahati vary depending on the institution and investment duration. Different financial providers offer distinct interest rates, making comparison beneficial. Whether you seek regular income or long-term growth, selecting a fixed deposit aligned with your goals helps manage savings effectively and supports informed financial choices.

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 Guwahati?

When your deposit reaches maturity, you can opt to renew your Shriram FD in Guwahati and maintain the fixed deposit benefits. Renewal is possible online through the website or app, or by visiting a branch. Below are the steps for renewing 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 Guwahati

Shriram Finance offers customer support at FD branches in Guwahati, making it easy to manage or open fixed deposits. Trained professionals assist with account opening, renewals, and other queries. Visiting a branch helps clarify the features of various deposit types before applying.

Guwahati 2

  • 3rd Floor, Meghmaller Apartment, Near Central Nursing Home, Survey Beltola GUWAHATI,ASSAM Pincode 781028 Phone18001036369

Guwahati - V

  • First Floor, Anandi Commercial, GS Road, Opposite Bora Service, Guwahati Town, Ulubari, Kamrup GUWAHATI,ASSAM Pincode 781007 Phone18001036369

Guwahati - II - Jalukbari

  • First Floor, Arun Bora Path, BJP Office, Ward No.9, Village/City - Bhebarghat Mangaldoi, Darrang GUWAHATI,ASSAM Pincode 784125 Phone18001036369
View All Branches

Shriram FD Customer Care in Guwahati

If you need assistance, the Fixed Deposit Customer Care team in Guwahati is ready to help with any FD-related queries. The contact numbers are mentioned below for your convenience.

Toll Free

Shriram FD Status in Guwahati

Stay informed about your Fixed deposit in Guwahati through the online portal or by reaching out to customer care. These tools provide clarity on maturity details and interest earnings, aiding in better financial planning. Monitoring your deposit regularly ensures convenience and improved savings management.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Guwahati?

The interest rate on FD in Guwahati 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 Guwahati?

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

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 Guwahati 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 Guwahati?

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

Can I open multiple Fixed Deposits in Guwahati?

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 Guwahati?

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 Guwahati?

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

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

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 Guwahati?

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 Guwahati?

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 Guwahati?

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.