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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 Karimganj

If you’re looking for a secure investment that grows your money steadily, a fixed deposit (FD) might be worth considering. With assured interest and no market risks, many people see it as a reliable financial choice. A Fixed Deposit in Karimganj helps you put your savings to good use while staying stress-free. Opening an FD with Shriram Finance is quick and convenient. The minimum deposit amount is just Rs.5,000, and you can apply online or visit your nearest branch. With flexible tenure options and competitive rates, Shriram Fixed Deposit supports your savings goals at every stage. The process is designed to be smooth, requiring only a few basic documents. Whether you’re saving for a short-term plan or a long-term milestone, our FD in Karimganj gives you the structure and returns you need. Take your first step towards financial security with Shriram Fixed Deposit.

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, interest accumulates within the account, compounding with the principal throughout the term. Rather than receiving periodic interest, investors get the complete sum at maturity—comprising both the initial deposit and the compounded interest. Cumulative FDs are well-matched for people aiming to grow their capital over time without needing interim earnings.

achievement

Non-Cumulative Fixed Deposit

Non-Cumulative Fixed Deposits deliver regular interest payments—monthly, quarterly or annually. Working on simple interest principles, these deposits support those who depend on recurring income. They provide greater flexibility regarding liquidity and suit investors who need to cover routine expenses.

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

Understanding the fixed deposit features and benefits can direct your financial planning more effectively. Below is a brief list of the primary features and benefits of our fixed deposit:

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 Karimganj

The FD rates in Karimganj vary across different banks and financial institutions. By examining and comparing rates, you increase your chances of maximising returns. These rates predominantly differ according to tenure and type of financial 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

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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 Karimganj

Opening a fixed deposit account with Shriram Finance requires meeting certain eligibility standards. The following criteria must be satisfied to apply for an FD.

    • 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 Karimganj

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You may apply for an FD account online or visit a nearby branch. Ensure all documents are prepared to prevent any hold-ups. The following steps detail how to proceed with an online FD investment.

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 Karimganj?

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

Shriram Finance has established accessible FD branches in Panipat to address your fixed deposit requirements. Our team includes experienced professionals to help you open fixed deposit accounts or efficiently manage your existing Unnati Fixed Deposit Scheme arrangements. A full directory of branch locations is available below.

Karimganj

  • 2nd Floor, Above IDBI Bank Ltd, Bridge Road, Karimganj Bazar SRIBHUMI,ASSAM Pincode: 788711 Phone:18001036369

Lakhimpur

  • 2nd Floor, Borah Bajaj, Near Petrol Pump, Above Axis Bank, Town Banlow, Khelmati LAKHIMPUR,ASSAM Pincode: 787001 Phone:18001036369

Lakhimpur - I

  • Second Floor, Above Fra Motors ,NH 15, Hatlilung Bantow, District-Lakhimpur , Khelmati LAKHIMPUR,ASSAM Pincode: 787031 Phone:18001036369
View All Branches

Shriram FD Customer Care in Karimganj

For any assistance related to your FD, our specialised Fixed Deposit Customer Care team remains at your service. Feel free to call us for immediate support and clear explanations regarding any investment-related questions. The contact information is listed below.

Toll Free

Shriram FD Status in Karimganj

To conveniently track your Fixed Deposit status in Panipat, you may utilise our secure digital services or engage directly with our customer service representatives. Monitoring your FD helps you stay aware of upcoming maturity and interest updates.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

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

The minimum required deposit for opening a fixed deposit with Shriram Finance in Karimganj is Rs.5,000. Any additional amounts should be invested in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Karimganj?

The current FD interest rate offered in Karimganj 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 Karimganj?

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

Yes, fixed deposits in Karimganj can be withdrawn prematurely. However, it may come with penalties or reduced returns, so do check the conditions before opting for it.

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

Yes, you can open a fixed deposit account in the name of a minor, but a guardian’s consent is required.

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

Yes, premature withdrawal of a fixed deposit usually results in a penalty, typically through a lower interest rate.

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

Yes, you can change the nominee for your FD account in Karimganj. A formal request and valid ID of the new nominee will be required.

Can I open multiple Fixed Deposits in Karimganj?

Yes, you can open multiple fixed deposits in Karimganj, either with the same financial institution or across different ones.

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

Generally, there’s no set upper limit for fixed deposit investments. However, individual schemes may set their own defined maximum limits.

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

Yes, you can open a fixed deposit in a joint account in Karimganj, as long as it complies with the institution’s policies.

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

Yes, several institutions provide exclusive schemes for senior citizens with additional interest rates benefits. 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 Karimganj?

Shriram Finance provides an additional interest rate of 0.50%* p.a. for senior citizens compared to regular depositors.

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

Yes, interest rates for FD accounts depend on how long the money is invested. Longer tenures tend to offer better rates.

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

To close a Shriram Finance fixed deposit prematurely, submit the original deposit certificate bearing a Rs.1 revenue stamp, a written application, and a cancelled cheque. Reserve Bank of India (RBI) guidelines state that fixed deposits cannot be closed prematurely within three months of deposit or renewal, except 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.