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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 Kohima

A fixed deposit is an investment option that offers consistent returns over a fixed duration at a predetermined interest rate. In Kohima, Shriram Finance offers fixed deposits with interest rates of up to 8.15%* p.a. and added rate advantages for women and senior citizens. With flexible tenure choices from 12 to 60 months and a low entry amount of Rs.5,000, our Fixed Deposit in Kohima suits a wide range of investors. Depending on your preference, you can select cumulative schemes for a maturity payout or non-cumulative ones for regular interest income. Compounded interest ensures your savings grow steadily over time. With a simple online process, investing in an FD in Kohima is both convenient and effective. Secure your savings with a trusted name and enjoy worry-free financial growth. Explore our fixed deposit options today.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

In this type of fixed deposit, the interest is compounded by adding it to the principal amount over the full tenure. This increases the final maturity amount. When the term ends, the depositor receives the original investment plus the accumulated interest in a single payout. It’s an ideal option for those aiming for long-term financial growth and who can wait until maturity for returns.

achievement

Non-Cumulative Fixed Deposit

This type of fixed deposit pays out interest at set intervals, which are monthly, quarterly, or yearly, based on your preference. The interest is calculated using simple interest. It provides better cash flow flexibility, making it suitable for those who rely on regular income.

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 how fixed deposits work and their benefits allows you to make better financial plans. Here is a quick overview of the main features and benefits of an FD:

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
Static Alt Text
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 Kohima

The FD rates in Kohima are not the same across all financial providers. Taking time to compare them can help you earn better returns. These rates mostly vary based on the deposit period and the type of 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 Kohima

There are certain eligibility conditions you need to meet to open a fixed deposit in Kohima. Typically, these 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 Kohima

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can begin your fixed deposit either through an online portal or at one of our branches. Getting your documents in order beforehand will make things easier. Below are the standard 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 Kohima?

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

You are welcome to visit any of our FD branches in Kohima for direct support. Whether it’s opening a new fixed deposit or handling Unnati FD services, our staff is here to help. The local branch list is provided below.

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 Kohima

Need help with your fixed deposit? Get in touch with our Fixed Deposit Customer Care for prompt support. Our team can assist you over the phone with any questions you may have. The contact information is below.

Toll Free

Shriram FD Status in Kohima

Checking the status of your FD in Kohima is simple—just use our online services or contact support. Staying up to date ensures you’re always aware of maturity timelines and interest income.

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 Kohima?

In Kohima, the minimum deposit for Shriram Fixed Deposit is Rs.5,000. Any additional amount must be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Kohima?

The interest rate on FD in Kohima 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 Kohima?

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

Yes, premature withdrawal of a fixed deposit is allowed in Kohima, but it may involve interest rate reductions or penalty charges.

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

Yes, a fixed deposit account in Kohima can be opened in the name of a minor. The account must be managed by a guardian on the minor's behalf.

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

Yes, penalties apply when a fixed deposit is closed before maturity. These are typically in the form of a lower applicable interest rate.

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

Yes, you can change the nominee for your fixed deposit in Kohima by submitting a request form along with valid identity proof of the new nominee.

Can I open multiple Fixed Deposits in Kohima?

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

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

There is generally no maximum limit on how much you can invest in a fixed deposit, although some schemes may have set limits.

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

Yes, joint fixed deposit accounts are permitted in Kohima. The account can be operated jointly, based on the agreed holding pattern.

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

Yes, Shriram Finance offers special fixed deposit schemes in Kohima for senior citizens, with an additional 0.50%* p.a. interest rate.

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

The main difference lies in the interest rate. Senior citizens in Kohima enjoy a 0.50%* p.a. higher interest rate on Shriram fixed deposits compared to standard rates.

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

Yes, interest rates vary based on the duration of the fixed deposit. Typically, longer tenures attract better returns.

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

To close your Shriram fixed deposit before maturity in Kohima, you need to submit the original deposit receipt, a closure request, a cancelled cheque, and a Rs.1 revenue stamp. According to the Reserve Bank of India (RBI), premature closure is not permitted within three months from the date of deposit or renewal unless the depositor has passed away.

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.