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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 Jawalamukhi

In Jawalamukhi, many individuals prefer low-risk savings options that offer steady and secure returns. One such option is a fixed deposit (FD), which continues to be a dependable choice for those planning ahead. Whether you’re saving for a major expense or simply want your money to grow without market-related worries, an FD in Jawalamukhi can help you stay on track. Shriram Finance offers a trusted way to invest through fixed deposits. With competitive interest rates, flexible tenure, and a low minimum investment, the Shriram Fixed Deposit suits a variety of savings goals. It’s easy to get started. You can either apply online from the comfort of your home or visit a nearby branch. The application process is simple and requires minimal paperwork. If you’re looking for a safe and convenient way to build your savings, consider opening a Fixed Deposit in Jawalamukhi with Shriram Finance today. Take the first step towards steady financial growth.

Types of Fixed Deposits

Following are the various forms of FDs to achieve your financial goals.

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit does not disburse interest at regular intervals; instead, the interest earned is added to the principal amount, resulting in a compounding effect. This approach enhances overall returns as the investment grows over time. Upon maturity, the investor receives a lump sum comprising both the initial deposit and the accumulated interest. It is ideal for individuals seeking long-term capital growth without requiring periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit pays out interest at predetermined intervals, offering a steady income stream. These payments, based on simple interest, can be scheduled monthly, quarterly, or annually. This structure provides greater liquidity and is well-suited for individuals who prefer regular payouts to meet ongoing financial requirements.

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

It is essential to understand the fixed deposit features and benefits when planning your savings. Below are some key characteristics and advantages of an 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 Jawalamukhi

The FD rates in Jawalamukhi differ across banks and financial institutions. Comparing these rates thoroughly can help optimise returns. The applicable rate typically depends on factors such as the deposit tenure and the type of institution chosen. 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 Jawalamukhi

Certain eligibility criteria must be fulfilled to open a fixed deposit in Jawalamukhi. Generally, these are standard requirements that need to be met before applying for an FD account.

    • 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 Jawalamukhi

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can open a fixed deposit account either online or by visiting a branch in person. To make the process seamless, ensure you have all the required documents ready in advance. Below are the typical steps for investing in an 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 Jawalamukhi?

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

To address any queries regarding fixed deposits, Shriram Finance operates FD branches in Jawalamukhi. At these branches, experienced staff members provide expert guidance on how to open fixed deposit accounts or manage existing Unnati Fixed Deposit Scheme accounts effectively. A comprehensive list of Shriram Finance branches in Jawalamukhi is provided below

Kangra

  • Village Birta PO Kangra, Second Floor, Near Indian Oil Petrol Pump KANGRA,HIMACHAL PRADESH Pincode: 176001 Phone:18001036369

Jawalamukhi

  • First Floor, Ward No. 6, Village - Suknal, Post Office and Tehsil - Jawalamukhi KANGRA,HIMACHAL PRADESH Pincode: 176031 Phone:18001036369

Kangara - I

  • Near Fortis Hospital, D/Sala Road KANGRA,HIMACHAL PRADESH Pincode: 176001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Jawalamukhi

If you require help or have questions about your FD account, our Fixed Deposit Customer Care team is available to assist you. Support is just a phone call away, and our team ensures timely guidance whenever required. The contact numbers are listed below.

Toll Free

Shriram FD Status in Jawalamukhi

You can monitor your Fixed Deposit status in Jawalamukhi through online services or by contacting our customer care team directly. Keeping track of your FD helps you stay informed about interest earnings and maturity details with ease.

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 Jawalamukhi?

The minimum investment required to open a fixed deposit with Shriram Finance in Jawalamukhi is Rs.5,000, with additional deposits accepted in multiples of Rs.1,000 thereafter.

What is the interest rate on Fixed Deposits in Jawalamukhi?

The interest rate offered by Shriram Finance on FDs 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 Jawalamukhi?

Yes, you can open a FD account online with Shriram Finance in Jawalamukhi. The process is simple and convenient, involving the following 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 Jawalamukhi?

Yes, you can withdraw your FD early in Jawalamukhi but be aware that there might be penalties, or you might get a lower interest rate. It's always a good idea to check the terms first.

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

Yes, you can open a fixed deposit account in the name of a minor, but it needs to be done with the consent and under the supervision of a guardian.

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

Yes, fixed deposits are generally subject to a penalty for premature withdrawal. This usually means you'll get a reduced interest rate.

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

Yes, you can change the nominee for your FD account in Jawalamukhi by submitting a request form along with the new nominee's ID.

Can I open multiple Fixed Deposits in Jawalamukhi?

Yes, you can have more than one fixed deposit in Jawalamukhi, either with the same bank or spread across different financial institutions.

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

Usually, there's no limit to how much you can invest in a fixed deposit. However, some specific schemes might have their own upper limits set by the institution.

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

Yes, you can open a fixed deposit account jointly with others in Jawalamukhi. However, you'll need to check the specific terms and conditions of the financial institution.

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

Yes, many institutions offer higher interest rates on FDs for senior citizens. For example, Shriram Finance provides an additional 0.50%* p.a. for senior citizen depositors.

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

With Shriram Finance FDs in Jawalamukhi, senior citizens get an additional 0.50%* p.a. in interest compared to regular investors.

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

Yes, the interest rates on fixed deposits in Jawalamukhi depend on how long you invest. Longer tenures typically offer higher returns.

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

To close your Shriram FD prematurely in Jawalamukhi, you need to submit the original deposit receipt affixed with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per Reserve Bank of India (RBI) guidelines, an FD cannot be closed within three months of deposit or 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.