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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 Katihar

Establishing a Fixed Deposit in Katihar allows residents to participate in disciplined wealth creation without exposure to market volatility. The FD in Katihar provides structured financial instruments with clear terms for predictable outcomes. From comparing interest rates to understanding liquidity provisions, this guide covers critical information about fixed deposit investments, enabling you to align financial strategies with both current requirements and future objectives.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations.

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit operates through interest reinvestment rather than payout, with earnings systematically added to your principal sum. This creates a growing compounding mechanism that accelerates your wealth growth, producing returns on both your initial investment and previously accumulated interest. Upon maturity, you receive the full amount comprising your original deposit plus all compounded earnings. This approach particularly benefits investors seeking significant long-term capital appreciation without needing regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest payments at scheduled intervals, establishing a dependable income flow. These distributions, calculated using simple interest methodology, can be arranged monthly, quarterly, or annually based on your preferences. This structure delivers consistent returns and better liquidity compared to cumulative options, especially beneficial for those managing recurring 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

Recognising the primary benefits and attributes of fixed deposits contributes to building strategic financial planning. The crucial components of FD consist of:

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 Katihar

FD rates in Katihar exhibit significant variation among various banking and non-banking institutions. Astute investors carefully analyse multiple alternatives before determining where to direct their savings. The interest you receive generally depends on elements including your chosen deposit timeframe and the particular financial entity protecting your investment. 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

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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 Katihar

Securing a Shriram Finance Fixed Deposit in Katihar requires meeting established eligibility parameters. The entities qualified to start fixed deposits in Katihar include.

    • 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 Katihar

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Setting up a fixed deposit is uncomplicated whether you utilise internet platforms or decide to visit a Katihar branch physically to submit your documentation. Collect all essential identity and address verification materials beforehand for a fluid application experience. Generally, these structured steps allow you to create an FD through digital channels.

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 Katihar?

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

To meet your fixed deposit requirements, Shriram Finance has thoughtfully positioned FD branches in Katihar. These client-focused centres employ experienced financial consultants who deliver customised guidance on how to open fixed deposit accounts or keep track of current Unnati Fixed Deposit Scheme investments. Here is a listing of Shriram Finance branches in Katihar.

Katihar

  • At Laljee Complex, Mirchai Bari Chowk, PO and PS Katihar KATIHAR,BIHAR Pincode: 854105 Phone:18001036369

Barsoi

  • 1st Floor, Sultanpur , Barsoi Bazar ,Near State Bank of India, above Jio Mobile Office, Main Road, Karanja KATIHAR,BIHAR Pincode: 855102 Phone:18001036369

Mohania

  • At Krishna Puri, Ward No-16, Above Bank of India, NH-2, Mohania KAIMUR (BHABUA),BIHAR Pincode: 821109 Phone:18001034959
View All Branches

Shriram FD Customer Care in Katihar

If you have queries or seek further clarity regarding your fixed deposit account, our expert Fixed Deposit Customer Care team in Katihar is ready to deliver extensive support. Reach out to our telephone helpline for swift assistance with your investments. Our full customer service contact information is available whenever required.

Toll Free

Shriram FD Status in Katihar

To verify your Shriram Fixed Deposit status in Katihar, employ our user-friendly online system or contact our committed support representatives. Periodic review of your FD status enables you to stay updated on approaching maturity dates and interest accumulation.

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 Katihar?

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

The interest rate on FD in Katihar 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 Katihar?

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

Yes, premature withdrawal of a fixed deposit is acceptable in Katihar; however, it may incur penalties or lower interest rates. It's sensible to verify the specific conditions before taking this step.

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

Yes, you can create a fixed deposit account in a minor's name with guardian authorisation with 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 entails a reduction in the interest rates that would be applicable to the deposit.

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

Yes, you can update the nominee for your FD account in Katihar. This procedure typically requires submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Katihar?

Yes, you can establish multiple fixed deposits in Katihar with different financial organisations or within the same financial provider.

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

Typically, there is no upper limit; however, some financial institutions may have specific schemes with established limitations.

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

Yes, you can initiate a fixed deposit account in a joint account in Katihar according to the financial institution's terms and requirements.

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

Yes, numerous financial institutions offer preferential fixed deposit interest rates for senior citizens compared to regular deposits. For example, Shriram Finance offers an 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 Katihar?

Shriram Finance grants an extra 0.50%* p.a. interest rate for senior citizens in contrast to regular depositors.

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

Yes, FD interest rates can differ based on tenure. Generally, longer tenures may provide higher interest rates compared to shorter ones due to the extended commitment duration from the depositor.

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

To prematurely close a Shriram FD, present the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI directives, a deposit receipt cannot be prematurely closed before three months from the deposit/renewal date except in case 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.