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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 Kiphire

Fixed deposits are a safe investment choice that allow your funds to grow at a fixed interest rate over a specific period. For those in Kiphire seeking stable returns, Shriram Fixed Deposit offers a dependable option. With competitive interest rates of up to 8.15%* p.a., and additional perks for senior citizens and women depositors, it suits various saving needs. You can invest in a Fixed Deposit in Kiphire for tenures ranging from 12 to 60 months, and the minimum amount required is just Rs.5,000. Choose between cumulative and non-cumulative schemes depending on whether you prefer periodic interest income or a lump sum at maturity. Benefit from the power of compounding while enjoying the simplicity of online account opening. Begin your journey towards financial stability with a fixed deposit.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

With a Cumulative Fixed Deposit, the interest is not paid during the term but is added to the principal, allowing it to compound over time. This helps the deposit grow steadily. On maturity, both the original deposit and accumulated interest are paid together as a single amount. It is a suitable choice for those focused on long-term savings without needing regular payouts.

achievement

Non-Cumulative Fixed Deposit

Non-Cumulative Fixed Deposits offer fixed interest payments during the term, which can be taken monthly, quarterly, or annually. Interest is calculated using simple interest. This type of FD is beneficial for individuals who need a steady income stream and greater liquidity.

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

Exploring fixed deposit features and benefits helps you plan for your future more clearly. Here’s a brief overview of what makes an FD a useful investment:

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 Kiphire

The FD rates in Kiphire vary from one financial institution to another. Reviewing and comparing the rates is a wise step to find more rewarding options. These rates generally depend on the duration and the nature of 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

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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 Kiphire

Opening a fixed deposit in Kiphire requires fulfilling a few eligibility criteria. These usually consist of the following.

    • 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 Kiphire

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Fixed deposit accounts can be opened online or at a local branch. Keeping your documents prepared in advance ensures a smooth application process. Follow these steps for applying 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 Kiphire?

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

For face-to-face assistance, drop by one of our FD branches in Kiphire. Our team is happy to help you open fixed deposit or take care of your Unnati FD needs. Please refer to the following list of branch locations.

Shillong

  • 1st Floor, Main Road, Lumbasuk, Lawjynriew, Shillong NONGTHYMMAI,MEGHALAYA Pincode: 793014 Phone:18001034959

Guwahati - I (Chandmari)

  • Senapati Commercial, 2nd Floor, Mani Ram Dewan Road, Near Abishek Motors, Silpukhuri GUWAHATI,ASSAM Pincode: 781003 Phone:18001036369

Dhemaji

  • 1st Floor, Dhemaji Main Town, Chariali Axis Bank Building DHEMAJI,ASSAM Pincode: 787057 Phone:18001036369
View All Branches

Shriram FD Customer Care in Kiphire

If you need any guidance or support regarding your FD, our Fixed Deposit Customer Care is just a call away. The team is available to answer your queries or help you resolve concerns. Contact details are listed below.

Toll Free

Shriram FD Status in Kiphire

To monitor your FD in Kiphire, log into our online portal or call our customer support. Keeping an eye on your investment helps you plan around maturity and interest payments 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 Kiphire?

In Kiphire, the minimum investment amount for a Shriram Fixed Deposit is Rs.5,000. Any additional investment must be made in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Kiphire?

The fixed deposit interest rate offered by Shriram Finance in Kiphire 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 Kiphire?

Yes, you are allowed to open a fixed deposit account with Shriram Finance online in Kiphire. The process is simple and includes 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 Kiphire?

Yes, fixed deposits in Kiphire can be withdrawn before maturity. However, doing so may lead to penalties or reduced returns.

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

Yes, a fixed deposit account can be opened for a minor in Kiphire. The account must be operated and managed by a guardian.

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

Yes, premature withdrawal of a fixed deposit usually involves a penalty, generally through a lower interest rate being applied.

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

Yes, changing nominee details for a fixed deposit in Kiphire is possible. You’ll need to submit a nominee update form along with identity proof.

Can I open multiple Fixed Deposits in Kiphire?

Yes, you can hold multiple fixed deposits in Kiphire. These can be with a single institution or distributed across several.

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

While there’s usually no maximum limit, some fixed deposit schemes in Kiphire may impose an upper investment cap.

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

Yes, fixed deposits can be opened jointly in Kiphire, subject to the terms and conditions of the financial institution.

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

Yes, there are dedicated fixed deposit options for senior citizens in Kiphire. Shriram Finance offers a 0.50%* p.a. extra interest rate to senior depositors.

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

Senior citizens receive a preferential fixed deposit interest rate in Kiphire, with Shriram Finance offering 0.50%* p.a. more than the standard rate.

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

Yes, interest rates for fixed deposits in Kiphire vary based on the tenure. Longer investment periods typically yield higher rates.

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

To close a fixed deposit in Kiphire before its term, provide the original deposit receipt, a formal request letter, a cancelled cheque, and a Rs.1 revenue stamp. As per the Reserve Bank of India (RBI), fixed deposits cannot be closed within three months from the date 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.