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 Jalpaiguri

A Fixed Deposit in Jalpaiguri presents a systematic savings mechanism that unites principal protection with earnings potential. The FD in Jalpaiguri establishes transparent structures that enhance predictability for investors. Our detailed guide provides fundamental information about fixed deposits, from prevailing rates to liquidity provisions, helping you design investment decisions that accommodate current financial needs while building toward long-range financial security.

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 operates via interest retention rather than distribution, with earnings progressively integrated into your principal amount. This establishes an expanding compounding effect that enhances your wealth development, producing returns on both your original capital and previously accumulated interest. When your deposit reaches maturity, you collect the full sum including your initial investment plus all compounded earnings. This format especially benefits those seeking substantial long-term asset appreciation without needing periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates interest payouts at predetermined intervals, creating a reliable revenue stream. These payments, determined using simple interest methodology, can be arranged monthly, quarterly, or annually based on your needs. This method delivers steady returns and improved liquidity compared to cumulative alternatives, particularly supporting individuals with ongoing financial commitments.

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

Familiarising yourself with the main features and benefits of fixed deposits is essential for making astute investment choices. The central elements of FD include:

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 Jalpaiguri

FD rates in Jalpaiguri show considerable differences among diverse financial institutions and NBFCs. Strategic investors routinely examine available choices before allocating their funds. Your interest earnings typically depend on factors such as your selected timeframe and the particular banking entity securing your deposit. 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Jalpaiguri

To qualify for a Shriram Finance fixed deposit in Jalpaiguri, applicants need to comply with established eligibility requirements. The entities authorised to open fixed deposits in Jalpaiguri include.

    • 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 Jalpaiguri

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Beginning a fixed deposit is accessible via internet platforms or through an in-person visit to a Jalpaiguri branch to submit your paperwork. Prepare all essential personal identification and residential verification documents in advance for a streamlined enrollment experience. Generally, these structured procedures permit you to arrange an FD using digital channels.

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 Jalpaiguri?

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

Shriram Finance has purposefully positioned FD branches in Jalpaiguri to fulfil your fixed deposit aspirations. These customer-centred facilities employ trained financial experts who provide individualised counsel on how to open fixed deposit accounts or supervise existing Unnati Fixed Deposit Scheme arrangements. Below is the compilation of Shriram Finance branches in Jalpaiguri.

Jalpaiguri

  • 2nd Floor, Rachayita Complex, Kadamtala, PO Jalpaiguri, Beside Punjab National Bank JALPAIGURI,WEST BENGAL Pincode: 735101 Phone:18001036369

Alipurduar

  • Rainbow Building, 2nd Floor, 205 Park Road, First House, Ward No-2, Alipurduar Court JALPAIGURI,WEST BENGAL Pincode: 736122 Phone:18001036369

Dhupguri

  • 1st Floor,Thana Para,Ward No.13, Near Dhupguri Police Station, Dhupguri JALPAIGURI,WEST BENGAL Pincode: 735210 Phone:18001036369
View All Branches

Shriram FD Customer Care in Jalpaiguri

Whenever questions emerge or you seek additional clarity about your fixed deposit account, our expert Fixed Deposit Customer Care team in Jalpaiguri is at your service to offer detailed explanations. Connect with our telephone support centre for swift guidance with your investments. Our comprehensive customer support information remains available whenever necessary.

Toll Free

Shriram FD Status in Jalpaiguri

To track your Shriram Fixed Deposit status in Jalpaiguri, access our user-friendly online platform or reach out to our helpful customer care staff. Periodic assessment of your FD status allows you to stay informed about upcoming maturity timelines and interest progressions.

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 Jalpaiguri?

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

The interest rate on FD in Jalpaiguri 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 Jalpaiguri?

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

Yes, premature withdrawal of a fixed deposit is permitted in Jalpaiguri; however, it may trigger penalties or reduced interest rates. It's recommended to verify the specific conditions before proceeding.

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

Yes, you can establish a fixed deposit account under a minor's name with guardian consent with Shriram Fixed Deposit.

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

Yes, a penalty typically applies for premature withdrawal of a fixed deposit. This penalty usually involves a reduction in the interest rates applicable to the deposit.

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

Yes, you can modify the nominee for your FD account in Jalpaiguri. This process normally requires submitting a request form with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Jalpaiguri?

Yes, you can create multiple fixed deposits in Jalpaiguri across various financial institutions or within the same financial organisation.

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

Generally, no upper limit exists; however, certain financial institutions may feature specific schemes with defined limits.

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

Yes, you can establish a fixed deposit account in a joint account in Jalpaiguri subject to the financial institution's policies and requirements.

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

Yes, numerous financial institutions provide enhanced fixed deposit interest rates for senior citizens compared to standard deposits. For example, Shriram Finance offers an 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 Jalpaiguri?

Shriram Finance provides an extra 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 Jalpaiguri?

Yes, FD interest rates may vary based on tenure. Typically, longer tenures might offer higher interest rates compared to shorter ones due to the extended commitment from the depositor.

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

To prematurely close a Shriram FD, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, a deposit receipt cannot be prematurely closed before three months from the date of deposit/renewal except in case 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.