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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 Jammu

Building a steady financial foundation often begins with disciplined savings. In Jammu, fixed deposits remain a popular option among individuals who prefer a straightforward approach to managing their money. With fixed tenures and regular interest payouts, they offer clarity and structure to savings. This guide outlines how you can open a Fixed Deposit in Jammu with Shriram Finance. A Shriram Fixed Deposit allows you to choose the investment amount and duration, along with the flexibility to receive interest at regular intervals or maturity. If you are considering starting an FD in Jammu, this guide will help you understand the process and support you in making a well-informed financial decision.

Types of Fixed Deposits

Shriram Finance in Jammu provides the below fixed deposit types that suit different saving habits.

interest rates

Cumulative Fixed Deposit

A cumulative fixed deposit works by adding the interest you earn back into your principal. You don’t receive the interest until the end of the term. The total amount grows due to compounding. When the fixed deposit matures, you receive the combined amount. This is good if you are looking to save for a longer period without needing frequent income.

achievement

Non-Cumulative Fixed Deposit

A non-cumulative fixed deposit pays out interest regularly—either monthly, quarterly, or yearly—depending on your choice. This gives you a steady income that can help manage daily or routine expenses. The interest is calculated using a clear method, and payments are done on schedule. You can choose the fixed deposit that fits your financial situation and preferences. These options are designed to help you achieve your goals, whether that’s income support or growing your savings over time.

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

Being aware of the features and benefits of fixed deposits is vital for making informed investment choices in Jammu. Below are the significant features and benefits of FD:

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 Jammu

FD rates in Jammu differ across banks and financial institutions, depending on factors such as the tenure of the deposit and the institution providing the fixed deposit. Comparing these rates is vital to finding options that align with your financial goals. By assessing available choices, you can choose a fixed deposit that fits your needs, whether you prioritise regular income or long-term savings growth. 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 Jammu

To start a fixed deposit account in Jammu, you need to meet certain eligibility conditions for fixed deposits. Typically, these criteria are as follows for fixed deposits.

    • 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 Jammu

Shriram Finance offers competitive interest rates and flexible tenures with its Shriram Unnati Fixed Deposit. In Jammu, you can open an account conveniently through the online platform or by visiting a branch. Keep all necessary documents handy to make the application process smooth. The steps below explain how to invest in 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 Jammu?

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

Shriram Finance operates FD branches in Jammu to meet your fixed deposit requirements. At these branches, skilled staff are available to help you open fixed deposits or manage your existing Shriram Unnati Fixed Deposit accounts. Below is a list of Shriram Finance branches in Jammu.

Jammu

  • Ravi Complex,1st Floor, Above Union Bank of India, Kunjwani Bye Pass, Gangyal JAMMU,JAMMU AND KASHMIR Pincode: 180010 Phone:18001036369

Jammu - I

  • No:13B,1st Floor, Shastri Nagar, Near Nirankari Bhawan JAMMU,JAMMU AND KASHMIR Pincode: 180001 Phone:18001036369

Samba

  • 1st Floor, Above IDBI Bank, Pathankot Jammu National Highway - 44, Near Bus Stand Samba JAMMU,JAMMU AND KASHMIR Pincode: 184121 Phone:18001034959
View All Branches

Shriram FD Customer Care in Jammu

For any concerns or queries about your fixed deposit account, our Fixed Deposit Customer Care team is here to assist you. You can call us for prompt support regarding your investments. Below are the customer care contact numbers.

Toll Free

Shriram FD Status in Jammu

To stay updated on your Shriram Fixed Deposit in Jammu, you can use the online services available or contact customer care for assistance. This ensures you have all the information you need about maturity dates and interest earnings, helping you make informed financial decisions.

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 Jammu?

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

The interest rate on FD in Jammu 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 Jammu?

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

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 Jammu 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 Jammu?

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

Can I open multiple Fixed Deposits in Jammu?

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 Jammu?

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 Jammu?

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

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

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 Jammu?

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 Jammu?

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 Jammu?

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.