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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 Lawngtlai

For individuals in Lawngtlai looking to manage their savings with more structure, a Fixed Deposit in Lawngtlai can be a practical choice. It allows you to invest a specific amount for a fixed duration and earn interest at a steady rate. This guide provides useful information on how to open an FD in Lawngtlai with Shriram Finance. You’ll learn about available tenures, interest payout options, and important factors to consider before investing. Whether you are saving for a future goal or looking for a consistent way to grow your funds, this guide will support your decision-making with clarity.

Types of Fixed Deposits

Look at these fixed deposit categories to bolster your financial plans

interest rates

Cumulative Fixed Deposit

This investment method doesn't dispense periodic interest payments. Instead, the interest generated is added to your principal amount. This results in a compounding effect, allowing your capital to grow more rapidly over time. Interest is earned on both your initial deposit and previously accumulated interest. At maturity, you receive the full amount - your original deposit plus all interest earned. Cumulative FDs are ideal for those seeking long-term growth without requiring regular income, as they use compound interest to strengthen returns.

achievement

Non-Cumulative Fixed Deposit

With this selection, you receive interest at regular intervals, providing a steady stream of income. Your earnings are calculated using simple interest formulas and can be paid monthly, quarterly, or yearly. This option offers reliable returns and better access to your funds compared to cumulative deposits, making it appropriate for meeting ongoing financial needs.

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

Detailed analysis of fixed deposit aspects and benefits is vital in forming productive investment methods. The principal characteristics of FD involve

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 Lawngtlai

FD rates in Lawngtlai fluctuate based on the bank and tenure period. Financial institutions each offer their own interest rates, making it valuable to compare possibilities. Whether you need regular income or hope to expand your savings over time, opting for a fixed deposit that harmonises with your financial plan can lead to improved financial planning. Always confirm your deposit selection aligns with your financial requirements for more efficient fund handling. Consider features like auto-renewal systems and nomination facilities. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. Get an 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Lawngtlai

Shriram Finance has determined particular eligibility standards for potential fixed deposit investors in Lawngtlai. The groups qualified to make fixed deposit investments in Lawngtlai consist of

  • 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 Lawngtlai

Shriram Finance makes available the Shriram Unnati Fixed Deposit in Lawngtlai, accessible either digitally or at a physical location. It gives various durations and reasonable interest rates. Get your paperwork ready for a straightforward procedure. Observe the directions below to initiate a Shriram Unnati Fixed Deposit via their online platform.

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 Lawngtlai?

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

Shriram Finance has FD branches in Lawngtlai for coordinating or opening fixed deposits. Experienced advisors direct you through account initiation, renewals, and several concerns. Stopping at a branch assists in identifying a fixed deposit that aligns with your financial objectives.

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 Lawngtlai

In case you require information concerning your fixed deposit account, you can get in touch with the Fixed Deposit Client Care team in Lawngtlai. They are on hand to supply guidance. The client care contact specifics are noted below for straightforward reference.

Toll Free

Shriram FD Status in Lawngtlai

For your fixed deposit in Lawngtlai, the online portal and customer care offer easy ways to track your account. You can view interest rates and maturity periods, ensuring you have all the information needed to manage your deposit confidently.

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 Lawngtlai?

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

The interest rate on FD in Lawngtlai 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 Lawngtlai?

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

Yes, premature withdrawal of a fixed deposit is allowed in Lawngtlai; 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 Lawngtlai 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 Lawngtlai?

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

Can I open multiple Fixed Deposits in Lawngtlai?

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

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

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 Lawngtlai?

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

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

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 Lawngtlai?

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 Lawngtlai?

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 Lawngtlai?

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.