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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 Jorhat

Residents of Jorhat are prioritising secure and consistent ways to grow their savings. A fixed deposit is one such trusted option that offers both safety and assured returns. With Shriram Fixed Deposit, you can enjoy competitive interest rates, tenure flexibility, and a low-risk investment experience that suits all kinds of savers. Opening an FD in Jorhat with Shriram Finance is a straightforward process—it requires minimal paperwork and comes with the added benefit of responsive customer support. Whether you’re saving for your future, planning for a major life event, or simply making better use of idle funds, this FD works well across different life stages. Salaried professionals, small entrepreneurs, and retirees are opting for a Fixed Deposit in Jorhat as a reliable tool for financial growth. If you’re looking for a safe and steady savings option, take the next step with a Shriram FD in Jorhat and build a secure financial cushion for tomorrow.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

In a Cumulative Fixed Deposit, the interest accrued during the term is not paid out but added back to the deposit. This reinvestment supports growth through compounding. When the deposit matures, a lump sum is paid to the investor, combining the original amount and the total interest. It’s a suitable option for those who prefer to save over the long term and don’t require income during the period.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit pays interest at fixed intervals, making it easier to maintain a steady income. Interest is based on simple interest and can be paid monthly, quarterly, or yearly. It offers more liquidity than cumulative options and works well for people with regular 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

Knowing our fixed deposit features and benefits can make it easier to plan your finances. Here is a brief summary of the important points:

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 Jorhat

The FD rates in Jorhat vary based on the financial service provider. Comparing options helps you find more rewarding returns. The rates usually depend on the tenure and the institution. 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 Jorhat

To open a fixed deposit in Jorhat, you must fulfil a few eligibility criteria. Generally, these are as follows.

    • 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 Jorhat

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can choose to open a fixed deposit through our online portal or by visiting a nearby branch. Keep your documents ready for a smooth application process. Here’s a simple step-by-step guide for online FD opening.

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 Jorhat?

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

Shriram Finance has FD branches in Jorhat that cater to fixed deposit services. Our representatives can help you open fixed deposit accounts or manage your Unnati Fixed Deposit Scheme. See the list below for our Jorhat locations

Jorhat - I

  • Madhu Market, 2nd Floor, Above Indusind Bank, J.B.Road, Malow Ali JORHAT,ASSAM Pincode: 785001 Phone:18001036369

Jorhat

  • 1st Floor,At Rkmahabir Prasad Building,Radhia Babu Lane (Kachori Goli),A T Road JORHAT,ASSAM Pincode: 785001 Phone:18001036369

Biswanath Chariali

  • 1st Floor, Opposite Netralaya Eye Hospital, NH 15, Bniswanath Chariali BISWANATH,ASSAM Pincode: 784176 Phone:18001036369
View All Branches

Shriram FD Customer Care in Jorhat

If you need help with your FD, our dedicated Fixed Deposit Customer Care team is available. Contact us using the numbers provided below for any assistance.

Toll Free

Shriram FD Status in Jorhat

You can check the status of your Fixed Deposit in Jorhat using our online facilities or by reaching out to customer support. This helps you stay aware of upcoming maturity dates and interest schedules.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore

Fixed Deposit FAQs

What is the minimum deposit amount for a Fixed Deposit in Jorhat?

For a fixed deposit with Shriram Finance in Jorhat, the minimum acceptable deposit is Rs.5,000, with any further investment to be made in Rs.1,000 increments.

What is the interest rate on Fixed Deposits in Jorhat?

The interest rate on FD in Jorhat stands at 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 Jorhat?

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

Yes, you have the option to withdraw their fixed deposit before the completion of its term. It is crucial to understand that doing so might result in a reduced interest rate or the imposition of withdrawal penalties.

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

Yes, it is possible to open a fixed deposit account in the name of a minor. A guardian must provide consent and manage the account.

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

Yes, if you choose to withdraw a fixed deposit before maturity, a penalty is usually applied. This is commonly in the form of a lower interest rate.

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

Yes, the nomination for a fixed deposit in Jorhat can be changed. This requires the submission of a formal request along with the necessary identification documents of the new nominee.

Can I open multiple Fixed Deposits in Jorhat?

Yes, you can open multiple fixed deposit accounts in Jorhat, whether all with one financial institution or with a selection of different ones.

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

In most cases, there is no fixed maximum amount for investing in a fixed deposit. However, it is advisable to consult the details of the specific fixed deposit scheme you are interested in, as it might have its own investment ceilings.

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

Yes, joint fixed deposit accounts are available according to the terms of the financial institution.

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

Yes, several financial institutions in Jorhat offer fixed deposit schemes tailored for senior citizens, often featuring higher interest yields. Shriram Finance, for instance, provides an additional 0.50%* p.a. for senior citizens.

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

When considering fixed deposits with Shriram Finance in Jorhat, senior citizens receive an interest rate that is 0.50%* p.a. higher than the standard rate applicable to other depositors.

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

Yes, fixed deposits interest rates vary based on the tenure. Generally, longer-term deposits offer higher interest rates as a result of the extended duration of the investment.

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

The process for prematurely closing a fixed deposit in Jorhat necessitates the submission of the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per Reserve Bank of India (RBI) rules, fixed deposits cannot be closed within the first three months unless in the event 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.