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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 Kullu

A fixed deposit (FD) is a secure way to save money, offering fixed returns over a chosen period. In Kullu, many residents opt for fixed deposits to preserve their earnings while ensuring consistent returns. It appeals to individuals who prefer steady growth without the uncertainties of market-linked options. Whether saving for future plans or simply setting aside funds, a Fixed Deposit in Kullu suits different financial goals. Shriram Finance offers fixed deposits starting from Rs.5,000, making it easy to begin your savings journey. With competitive interest rates, flexible tenures, and a simple application process, a Shriram Fixed Deposit is a reliable option. Minimal documentation makes it even more convenient. If you're considering an FD in Kullu, this could be a practical and rewarding choice. Take the next step with Shriram Finance and start saving with confidence.

Types of Fixed Deposits

Following are the various types of fixed deposits in Kullu to achieve your financial goals

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit is an investment option where interest earned is not disbursed regularly but instead reinvested with the principal amount. This compounding mechanism enhances the overall return, as interest accumulates on the expanding principal. Upon maturity, investors receive a single payment containing both the initial investment and accrued interest. Cumulative FDs are most suitable for individuals focused on long-term growth without requiring regular income, using compounding to optimise returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit distributes interest at regular intervals, creating a steady flow of income. It's particularly appropriate for those requiring consistent payouts. Interest calculations follow simple interest principles and can be remitted monthly, quarterly, or annually. This arrangement provides foreseeable returns and improved liquidity in comparison to cumulative FDs, making it ideal for addressing recurring financial obligations.

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

When considering your savings strategy, understanding the fixed deposit features and benefits is paramount. Let's explore some key advantages

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 Kullu

The FD rates in Kullu often differ substantially between banks and financial institutions. Comparing these rates is essential to maximise your investment returns. Typically, interest rates are determined by factors such as the deposit duration and the type of institution offering 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 Kullu

Before starting a fixed deposit account, you must fulfil specific fixed deposit eligibility criteria in Kullu. Generally, the following eligibility requirements apply for FD

  • IndividualEligibility Criteria
    • 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 Kullu

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can open a fixed deposit account online or attend a branch to finalise the application process. Having all required documents prepared will ensure a seamless experience. The standard procedure for investing in FD online typically involves these steps

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 Kullu?

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

Shriram Finance maintains FD branches in Kullu dedicated to addressing your fixed deposit requirements. These branches are staffed with knowledgeable professionals who offer expert guidance on how to open fixed deposit or administer existing Unnati Fixed Deposit Scheme accounts. The following is a list of Shriram Finance branches in Kullu

Kullu

  • 1st Floor, Vijay Complex, NH 21, Near Axis Bank, Gandhi Nagar KULLU,HIMACHAL PRADESH Pincode: 175101 Phone:18001036369

Manali

  • 1st Floor, Thakur Complex, Kanchani Kot, Palchan KULLU,HIMACHAL PRADESH Pincode: 175103 Phone:18001034959

Anni

  • First Floor, Above ICICI Bank, Kiran Bazar, Post Office - Anni, Tehsil - Anni, Anni KULLU,HIMACHAL PRADESH Pincode: 172026 Phone:18001036369
View All Branches

Shriram FD Customer Care in Kullu

In case of any enquiries or require assistance regarding your fixed deposit account, our Fixed Deposit Customer Care team is available to support you. You can contact them via telephone for immediate assistance with your investments. Our customer care numbers are listed below

Toll Free

Shriram FD Status in Kullu

To verify your Shriram Fixed Deposit status in Kullu, you can choose to utilise our online services or contact our customer care. Monitoring your FD status helps you remain informed about maturity dates and interest accruals.

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 Kullu?

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

The interest rate on FD in Kullu 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 Kullu?

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

Yes, premature withdrawal of a fixed deposit is allowed in Kullu; however, it may incur penalties or reduced interest rates. It’s advisable to check the specific terms before proceeding.

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

Yes, you can open a fixed deposit account in the name of a minor with a guardian's consent 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 involves a reduction in interest rates applicable to the deposit.

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

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

Can I open multiple Fixed Deposits in Kullu?

Yes, you can open multiple fixed deposits in Kullu across different financial institutions or within the same financial institution.

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

Generally, there is no upper limit; however, some financial institutions may have specific schemes with defined limits.

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

Yes, you can open a fixed deposit account in a joint account in Kullu subject to the financial institution’s terms and conditions.

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

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 Kullu?

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 Kullu?

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

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

To close a Shriram FD prematurely, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to the direction of the RBI, a deposit receipt cannot be prematurely closed before three months from the date of deposit/renewal except in case of death of the depositor.

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.