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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 Kolkata

Have you considered fixed deposits as part of your savings strategy? In Kolkata, Fixed Deposit in Kolkata offers a straightforward way to grow your money over time. With flexible tenure options and competitive returns, fixed deposits are ideal for those seeking steady earnings without market-linked risks. Whether you prefer regular payouts or maturity-based earnings, this guide will help you understand how FD in Kolkata can support both short-term and long-term financial goals while ensuring consistent growth.

Types of Fixed Deposits

Shriram Finance in Kolkata provides the below fixed deposit types that suit different saving habits.

interest rates

Cumulative Fixed Deposit

A cumulative fixed deposit works by adding the interest you earn back into your principal. You don’t receive the interest until the end of the term. The total amount grows due to compounding. When the fixed deposit matures, you receive the combined amount. This is good if you are looking to save for a longer period without needing frequent income.

achievement

Non-Cumulative Fixed Deposit

A non-cumulative fixed deposit pays out interest regularly either monthly, quarterly, or yearly depending on your choice. This gives you a steady income that can help manage daily or routine expenses. The interest is calculated using a clear method, and payments are made on schedule. You can choose the fixed deposit that fits your financial situation and preferences. These options are designed to help you achieve your goals, whether that’s income support or growing your savings over time.

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.

Also, our FDs can be used for various other financial goals

  • Fixed Deposit for Children
  • FD for Retirement Fund
  • FD for Wedding Expenses
  • FD for Home Expenses

The FD interest rate is 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 a Non-Cumulative Fixed Deposit pay out interest at regular intervals (monthly, quarterly, half-yearly, or yearly).

Shriram Fixed Deposit Features and Benefits

Being aware of the features and benefits of fixed deposits is vital for making informed investment choices in Kolkata. Below are the significant features and benefits of FD

Flex Tenure
Flexible tenureFlexible tenure
Attractive Interest
Predictable returnsPredictable returns
Compounding Benefit
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors
Static Alt Text
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
Predictable Return
Low minimum investment amountLow minimum investment amount
Cumulative
Attractive interest ratesAttractive interest rates
Low Investment
Compounding benefitsCompounding benefits

Shriram Fixed Deposit Interest Rates in Kolkata

FD rates in Kolkata differ across banks and financial institutions, depending on factors such as the tenure of the deposit and the institution providing the fixed deposit. Comparing these rates is vital to finding options that align with your financial goals. By assessing available choices, you can choose a fixed deposit that fits your needs, whether you prioritise regular income or long-term savings growth. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. GGet an interest rate of up to 8.15%* p.a. inclusive of 0.50%* p.a. for Senior Citizens and 0.05%* 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.

Note: Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit / renewal.

The above additional interest rates will be applied on the yearly rate, which will be factored correspondingly into the calculation of compounding interest rates for periods shorter than a year, including monthly, quarterly, and half-yearly rates.

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 Kolkata

To start a fixed deposit account in Kolkata, you need to meet certain eligibility conditions for fixed deposits. Typically, these criteria are as follows for fixed deposits

  • IndividualEligibility Criteria
    • Hindu Undivided Family
    • Partnership Firm
    • Companies
    • Indian Residents
    • Trust and Foundation
    • Non-Resident Indians (NRIs)
    • Unincorporated Association or Body of Individual

How to Invest in Fixed Deposit with Shriram in Kolkata

Shriram Finance offers competitive interest rates and flexible tenures with its Shriram Unnati Fixed Deposit. In Kolkata, you can open an account conveniently through the online platform or by visiting a branch. Keep all necessary documents handy to make the application process smooth. The steps below explain how to invest in a Shriram Unnati Fixed Deposit 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 Kolkata?

When your fixed deposit matures, you have the option to renew your Shriram FD in Kolkata and continue enjoying its benefits. You can complete the renewal process online via the website or mobile app or visit a branch for assistance. Below are the 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 Kolkata

Shriram Finance operates FD branches in Kolkata to meet your fixed deposit requirements. At these branches, skilled staff are available to help you open fixed deposits or manage your existing Shriram Unnati Fixed Deposit accounts. Below is a list of Shriram Finance branches in Kolkata

Kolkata Zonal Office

  • Shrachi Towers, 4th Floor, 686 Anandapur, Near Ruby Hospital KOLKATA,WEST BENGAL Pincode 700107 Phone18001036369

Kolkata - South

  • Ground Floor, EP-21, Sahid Purnendu Nagar,Thakurpukur KOLKATA,WEST BENGAL Pincode 700063 Phone18001036369

Kolkata Retail

  • 2nd Floor, 56/2Hazra Road,T.S-Gariahat,Kolkata Gariahat Market KOLKATA,WEST BENGAL Pincode 700019 Phone18001036369
View All Branches

Shriram FD Customer Care in Kolkata

For any queries or support related to your fixed deposit account, our Fixed Deposit Customer Care team is here to assist you. You can reach us by phone for prompt help with your investments. Below are the customer care contact numbers

Toll Free

Shriram FD Status in Kolkata

To stay updated on your Shriram Fixed Deposit in Kolkata, you can use the online services available or contact customer care for assistance. This ensures you have all the information you need about maturity dates and interest earnings, helping you make informed financial decisions.

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 Kolkata?

The minimum deposit amount for a fixed deposit in Kolkata for Shriram FD is Rs.5000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Kolkata?

The interest rate on FD in Kolkata 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 Kolkata?

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

Yes, premature withdrawal of a fixed deposit usually incurs a penalty, which typically involves a reduction in the applicable interest rate.

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

Yes, with Shriram Fixed Deposit, you can open a fixed deposit account for a minor as long as the guardian provides their consent.

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

Yes, premature withdrawal of a fixed deposit usually results in a penalty that reduces the applicable interest rate on the deposit.

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

Yes, you can update the nominee for your FD account in Kolkata by submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Kolkata?

Yes, opening multiple fixed deposits is permitted both within one financial institution and across several institutions.

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

There is usually no upper limit on fixed deposits unless specified under particular schemes offered by financial institutions.

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

Yes, you can open a fixed deposit account in a joint account in Kolkata subject to the financial institutions terms and conditions.

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

Yes, many financial institutions offer additional fixed deposit interest rates for senior citizens compared to regular deposits. For instance, Shriram Finance offers 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 Kolkata?

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 Kolkata?

Yes, FD interest rates can vary depending on the tenure. Longer tenures generally provide different rates compared to shorter ones due to the duration of commitment.

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

To close a Shriram Fixed Deposit prematurely, you need to submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, premature closure is not permitted within three months of deposit/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.