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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 Hamirpur

Wondering how to make your savings more meaningful? In a town like Hamirpur, where financial goals often centre around stability and future planning, fixed deposits offer a clear way forward. They help you decide how much to save, for how long, and how you’d like to receive your interest without the need for constant tracking. This guide explains how to open a Fixed Deposit in Hamirpur with Shriram Finance. A Shriram Fixed Deposit gives you options that suit your needs, whether you prefer regular payouts or a lump sum at maturity. If you are considering an FD in Hamirpur, this guide will help you understand your choices and plan your next step wisely.

Types of Fixed Deposits

You can choose from different types of fixed deposits depending on your savings goal.

interest rates

Cumulative Fixed Deposit

In Hamirpur, cumulative fixed deposits help grow savings by reinvesting the interest with the principal over the term. The entire amount, including interest and principal, is paid at the end. This is a suitable choice for individuals planning for long-term goals.

achievement

Non-Cumulative Fixed Deposit

With non-cumulative deposits, interest is not reinvested but paid out at fixed intervals. These payouts can be monthly, quarterly, or yearly. It provides better liquidity and suits those looking for regular returns to manage 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

For those in Hamirpur looking to save wisely, knowing about fixed deposits can be helpful. Their features and benefits can support better planning. The key points related to fixed deposits are listed below.

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 Hamirpur

FD rates in Hamirpur vary by institution and investment duration. Different financial providers offer distinct interest rates, making it beneficial to compare them. 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. 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 %

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Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Hamirpur

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

    • 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 Hamirpur

Shriram Finance brings Shriram Unnati Fixed Deposit to Hamirpur, where applications can be made online or in branches. Flexible tenures and competitive interest rates are available. Ensure all the necessary documents are ready for a smooth experience. Below are the steps to invest in 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 Hamirpur?

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

Shriram Finance offers customer support at FD branches in Hamirpur, 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.

Hamirpur

  • H No-215, Ward No-2, Opposite Government Degree College, Anu Awah Devi Road HAMIRPUR,HIMACHAL PRADESH Pincode: 177005 Phone:18001036369

Hamirpur - I

  • Kashmiri Complex, 1st Floor, Ward No 6, Gandhi Nagar HAMIRPUR,HIMACHAL PRADESH Pincode: 177001 Phone:18001036369

Sujanpur

  • Ground Floor, Shop No. 2 Ward No. 3, VPO Sujanpur, Sujanpur Tira HAMIRPUR,HIMACHAL PRADESH Pincode: 176110 Phone:18001034959
View All Branches

Shriram FD Customer Care in Hamirpur

If you have questions about your fixed deposit, the Fixed Deposit Customer Care team in Hamirpur is available to help. The customer care numbers are listed below for easy reference.

Toll Free

Shriram FD Status in Hamirpur

Stay updated on your Fixed deposit in Hamirpur by accessing the online portal or contacting customer care. These options provide information about maturity and interest earnings, helping you make informed financial decisions. Regular monitoring of your deposit ensures convenience and effective savings management.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai
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 Hamirpur?

The minimum deposit amount for a fixed deposit in Hamirpur 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 Hamirpur?

The interest rate on FD in Hamirpur 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 Hamirpur?

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

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 Hamirpur 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 Hamirpur?

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

Can I open multiple Fixed Deposits in Hamirpur?

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 Hamirpur?

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 Hamirpur?

Yes, you can open a fixed deposit account in a joint account in Hamirpur subject to the financial institution’s terms and conditions.

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

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 Hamirpur?

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 Hamirpur?

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 Hamirpur?

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.