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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 Hajipur

Want your savings to grow steadily in Hajipur? A Fixed Deposit in Hajipur is a straightforward way to earn more on your money than keeping it in a regular savings account. Many local residents prefer fixed deposits because they provide guaranteed returns without any market risks. With an FD in Hajipur, you will know exactly how much you will receive when your deposit matures. This guide explains current interest rates, how to open a fixed deposit, and tips for selecting the right deposit period based on when you might need to access your money again.

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 allows your earned interest to remain with your principal deposit rather than being paid out. This creates a growth-multiplying effect as you earn interest on both your original amount and previously earned interest. At the conclusion of your deposit period, you receive everything together—your initial deposit plus all built-up interest. This option is ideal for those wanting maximum growth who don't require regular income from their investment.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest at regular time intervals, providing a consistent income stream. The interest is calculated using simple interest formulas and can be transferred to you monthly, quarterly, or yearly. This choice offers reliable returns and improved access to your earnings compared to cumulative FDs, making it beneficial for handling recurring 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

Thorough examination of fixed deposit attributes and advantages is crucial for developing successful investment strategies. The principal characteristics of FD encompass:

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
Static Alt Text
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 Hajipur

FD rates in Hajipur show notable differences between various financial establishments. Prudent investors routinely evaluate several choices before deciding where to allocate their resources. The interest yields commonly fluctuate based on elements such as your preferred time period and the particular financial entity overseeing your investment. 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

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 Hajipur

Shriram Finance has outlined distinct eligibility requirements for potential fixed deposit investors in Hajipur. The groups permitted to create fixed deposit accounts in Hajipur comprise

    • 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 Hajipur

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Setting up a fixed deposit provides versatility with options to proceed digitally or by approaching a Hajipur branch for application handling. Prepare all required paperwork in advance for an effortless setup process. Generally, follow these ordered actions to invest in 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 Hajipur?

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

Shriram Finance maintains conveniently positioned FD branches in Hajipur to serve your fixed deposit requirements. These client-centered facilities employ seasoned financial professionals who deliver customised recommendations on how to open fixed deposit accounts or oversee current Unnati Fixed Deposit Scheme plans. Below is the list of Shriram Finance branches in Hajipur.

Hajipur

  • At 1st Floor, Siromani Market, Dighi Kala West, Thana-Sadar HAJIPUR,BIHAR Pincode: 844102 Phone:18001036369

Hajipur - I

  • Maa Bhagawati Estate, 3rd Floor, Above Canara Bank, Cinema Road, Anwarpur,Chowk, Vaishali HAJIPUR,BIHAR Pincode: 844101 Phone:18001036369

Arrah-Varanasi

  • First Floor, 437/1, Ward No. 28, Moti Tola, Sapna Cinema More, Arrah, Waliganj ARRAH-VARANASI,BIHAR Pincode: 802301 Phone:18001036369
View All Branches

Shriram FD Customer Care in Hajipur

Should uncertainties emerge or you require information about your fixed deposit account, our dedicated Fixed Deposit Customer Care professionals are prepared to handle your queries. Utilise our telephone support line for immediate guidance concerning your investments. All necessary customer care contact information is conveniently available for your reference.

Toll Free

Shriram FD Status in Hajipur

Shriram Fixed Deposit status in Hajipur is easily accessible via our comprehensive online services or through our expert customer service representatives. Periodic review of your FD status ensures you remain updated about approaching maturity timeframes and interest accumulations.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Hajipur for Shriram FD is Rs.5,000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Hajipur?

The interest rate on FD in Hajipur 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 Hajipur?

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

Yes, premature withdrawal facilities for fixed deposits are available in Hajipur; however, this action may attract certain penalties or interest rate reductions. Consulting the specific terms is advisable before proceeding with early withdrawal.

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

Yes, a fixed deposit account can be established in a minor's name in Hajipur, provided there is guardian authorisation when using Shriram Fixed Deposit services.

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

Yes, early withdrawal of fixed deposits generally incurs penalties. These penalties commonly manifest as reduced interest rates applied to your deposit.

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

Yes, nominee modification for your FD account in Hajipur is possible. This typically requires submitting an official request form along with valid identification proof of the new nominee.

Can I open multiple Fixed Deposits in Hajipur?

Yes, you have the option to create multiple fixed deposits in Hajipur, either distributed across various financial institutions or concentrated within one organisation.

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

Typically, no maximum investment limit exists; however, specific financial institutions might implement their own thresholds for particular deposit programs.

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

Yes, establishing a fixed deposit through a joint account in Hajipur is feasible, provided you comply with the financial institution's specific regulations and requirements.

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

Yes, numerous financial institutions provide preferential fixed deposit interest rates for senior citizens. In particular, Shriram Finance offers an additional 0.50%* p.a. interest rate benefit for senior citizen depositors.

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

Shriram Finance provides senior citizens with an enhanced interest rate of 0.50%* p.a. above what regular depositors receive in Hajipur.

Is there a difference between FD interest rates for different tenures in Hajipur?

Yes, interest rates for fixed deposits vary based on the chosen tenure. Generally, deposits with extended duration commitments may offer more favorable interest rates compared to shorter tenures due to the longer financial commitment.

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

For premature closure of a Shriram FD in Hajipur, you must submit the original deposit receipt with a Rs.1 revenue stamp affixed, accompanied by a formal request letter and a cancelled cheque. According to RBI directives, deposits cannot be prematurely closed within three months of deposit/renewal except in cases of depositor 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.