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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 Khanna

A fixed deposit is a secure way to grow your money over a fixed period while earning a predictable return. It appeals to those who prefer steady savings without the stress of market volatility. In Khanna, many residents, including salaried professionals and small business owners, opt for this investment to meet their long-term goals. For those considering a Fixed Deposit in Khanna, Shriram Finance presents an option that balances convenience and value. Shriram Fixed Deposit comes with flexible tenure choices and competitive interest rates. Women and senior citizens enjoy additional rate benefits, making the scheme even more attractive. With a low entry amount and a simple application process, opening an FD account is quick and hassle-free. If you're planning to set aside funds for education, retirement or future expenses, an FD in Khanna with Shriram Finance can help you grow your savings with confidence.

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 is a term deposit where interest earned is added back to your main amount rather than paid out. This means your money grows faster as you earn interest on both your original deposit and the added interest. When the term ends, you get one payment with both your starting amount and all the built-up interest. Cumulative FDs are good for people looking to grow their money over time who don't need regular income payments.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit gives you interest at set times, providing a regular income. It's ideal for people who need frequent payments. Interest is worked out using simple interest and can be paid monthly, quarterly or yearly. This option gives you steady returns and easier access to your money compared to cumulative FDs, making it good for handling everyday 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 is important when choosing the right investment option. Here are the main features and advantages of an FD:

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 Khanna

The FD rates in Khanna change from one bank or financial company to another. Comparing these rates is important to get better returns. Interest rates usually depend on how long you invest, and which bank or company offers the FD. 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 Khanna

Before opening a fixed deposit, you need to meet certain fixed deposit eligibility criteria in Khanna. The standard requirements for opening an FD account 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 Khanna

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. Ensure your documents are ready to make the application process seamless. Below are the steps to invest 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 Khanna?

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

Shriram Finance has established FD branches in Khanna to meet all your fixed deposit requirements. Our knowledgeable team can guide you on how to open fixed deposit accounts or handle your Unnati Fixed Deposit Scheme. Below is a list of our Khanna branches.

Khanna

  • First Floor, Ward No. 24, Near Indian Bank, GT Road KHANNA,PUNJAB Pincode: 141401 Phone:18001036369

Jagraon

  • Gill Market, Mandi Road, Near Sherpura Chowk, ,Jagraon LUDHIANA,PUNJAB Pincode: 142026 Phone:18001036369

Samrala

  • First Floor, Above Corporative Bank, Khewat No. 844 1-2.5, Marla, Bank Colony, Chandigarh Road, Samrala LUDHIANA,PUNJAB Pincode: 141114 Phone:18001034959
View All Branches

Shriram FD Customer Care in Khanna

For any queries or assistance regarding your fixed deposit, our Fixed Deposit Customer Care team is available to help. You can contact us for prompt support. The customer care numbers are provided below.

Toll Free

Shriram FD Status in Khanna

To track your fixed deposit status in Khanna, you can use our online services or contact customer care directly. Keeping an eye on your FD status ensures you stay informed about maturity dates and accrued interest.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai
Fixed deposit in pune
Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

To open a fixed deposit with Shriram Finance in Khanna, the minimum deposit amount required is Rs.5,000. Additional deposits can be made in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Khanna?

The interest rate for fixed deposits in Khanna 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 Khanna?

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

Yes, premature withdrawal of a fixed deposit is permitted in Khanna; however, it may involve penalties or reduced interest rates based on the terms of the FD scheme. It’s advisable to review the applicable conditions before opting for early withdrawal.

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

Yes, you can open a fixed deposit account in the name of a minor with the consent of a guardian.

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

Premature withdrawals usually incur penalties, which are often applied as reduced interest rates on the deposit.

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

Yes, you can update or change the nominee details for your fixed deposit account by submitting a formal request along with valid identification documents for the new nominee.

Can I open multiple Fixed Deposits in Khanna?

Yes, you can hold multiple fixed deposits either within the same institution or across different financial institutions.

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

There is generally no upper limit on FD investments. However, specific schemes may have caps depending on institutional guidelines.

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

Yes, joint fixed deposit accounts are allowed in Khanna. This will be subject to the terms and conditions of the financial institution.

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

Yes, many financial institutions offer additional interest rates for senior citizens on fixed deposits, typically 0.50%* p.a. on fixed deposits for senior citizens.

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

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 Khanna?

Yes, FD interest rates vary based on tenure; longer durations generally offer higher returns as institutions reward extended investment periods with better rates.

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

If you need to close your Shriram Fixed Deposit early in Khanna, you'll need to provide the original FD receipt with a Rs.1 revenue stamp, a written request for premature withdrawal, and a cancelled cheque to confirm your account. Please note that Reserve Bank of India (RBI) rules state you cannot close an FD within three months of opening or renewal, unless it's due to the unfortunate event of the depositor's passing.

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.