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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 Jamnagar

A planned savings approach can help you manage your future expenses with greater clarity. In Jamnagar, many individuals choose fixed deposits for their straightforward structure and consistent returns. With a defined tenure and predictable interest payouts, fixed deposits are suitable for those who prefer a more stable saving method. This guide will walk you through the key steps to open a Fixed Deposit in Jamnagar with Shriram Finance. A Shriram Fixed Deposit offers flexible tenure options and the ability to select your preferred interest payout schedule. If you are considering an FD in Jamnagar, this guide will help you make an informed and confident decision about your savings.

Types of Fixed Deposits

In Jamnagar, Shriram Finance offers the following fixed deposits to help with your financial planning.

interest rates

Cumulative Fixed Deposit

This option adds your earned interest to your initial amount and does not pay it out regularly. It allows your deposit to grow with time, as both the deposit and the interest keep increasing. At maturity, you get the full amount, including all interest earned. This option is helpful if you do not need money frequently and can wait until the end of the term.

achievement

Non-Cumulative Fixed Deposit

In this type, interest is paid to you at regular time periods like every month, three months, or once a year. This allows you to use the interest for regular spending. The interest rate is simple to follow, and the payments come on time. This type of FD is useful when you need regular support from your savings. You can decide the better option depending on your income needs.

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

Knowing the features and benefits of fixed deposits is important for making sound investment decisions in Jamnagar. Here are the key 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 Jamnagar

FD rates in Jamnagar vary between banks and financial institutions, influenced by factors such as the tenure of the deposit and the institution offering it. Evaluating these rates is crucial to choosing options that align with your financial goals. By comparing current offerings, you can select a fixed deposit that suits your preferences, whether you aim for regular payouts 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 %

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Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Jamnagar

Opening a fixed deposit account in Jamnagar requires meeting specific eligibility criteria for fixed deposits. These criteria generally include the following 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 Jamnagar

Shriram Finance provides flexible tenure options and competitive interest rates on its Shriram Unnati Fixed Deposit. In Jamnagar, you can open an account either online or by visiting a branch. Having all the required documents ready will help ensure a seamless application process. The steps below detail 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 Jamnagar?

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

Shriram Finance has established FD branches in Jamnagar to cater to your fixed deposit needs. The staff at these branches are well-trained to assist you with opening fixed deposits or handling your Shriram Unnati Fixed Deposit accounts. Below is a list of Shriram Finance branches in Jamnagar.

Jamnagar

  • Office No. 316, Third Floor, Neo Atlantic, Opposite Ambar Cinema, P.N. Marg JAMNAGAR,GUJARAT Pincode: 361008 Phone:18001036369

Jamnagar - I

  • Avanth, P N Marg, Opp. Dhanvantri Ground, 2nd Floor, Near Welcome Tower JAMNAGAR,GUJARAT Pincode: 361008 Phone:18001036369

Jamnagar - II

  • No:401, 4th Floor, Kuber Avenue, Near Gurudwara Chowkdi, Indira Marg JAMNAGAR,GUJARAT Pincode: 361001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Jamnagar

If you require assistance or have questions about your fixed deposit account, our Fixed Deposit Customer Care team is ready to help. You can get in touch with us by phone for quick resolution of your concerns. Below are the customer care contact numbers.

Toll Free

Shriram FD Status in Jamnagar

If you have a Shriram Fixed Deposit in Jamnagar, you can easily check its status using the online services provided or by reaching out to customer care. This helps you stay on top of maturity dates and interest earnings, making it easier to manage your investments.

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 Jamnagar?

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

The interest rate on FD in Jamnagar 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 Jamnagar?

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

Yes, there is generally a penalty for prematurely withdrawing a fixed deposit, which often includes lower interest rates than initially agreed.

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

Yes, you can set up a fixed deposit account in the name of a minor, provided it is done with the consent of a guardian under Shriram Fixed Deposit.

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

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

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

Yes, you can modify the nominee on your FD account by submitting the necessary form and identification details of the new nominee.

Can I open multiple Fixed Deposits in Jamnagar?

Yes, you are allowed to open multiple fixed deposits with different financial institutions or within the same one.

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

In most cases, there is no upper limit on fixed deposits; however, specific schemes may include certain restrictions set by financial institutions.

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

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

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

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 Jamnagar?

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 Jamnagar?

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 Jamnagar?

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.