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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 Malda City

Exploring a Fixed Deposit in Malda City gives residents access to a dependable savings vehicle that balances preservation and growth potential. The FD in Malda City establishes clear parameters that enhance planning confidence. Our thorough analysis presents essential information about fixed deposits, from current rates to liquidity features, supporting you in developing investment strategies that address present financial requirements while building toward future financial security in this cultural landmark.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit operates via interest retention rather than distribution, with earnings progressively integrated into your principal amount. This establishes an expanding compounding effect that enhances your wealth development, producing returns on both your original capital and previously accumulated interest. When your deposit reaches maturity, you collect the full sum including your initial investment plus all compounded earnings. This format especially benefits those seeking substantial long-term asset appreciation without needing periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates interest payouts at predetermined intervals, creating a reliable revenue stream. These payments, determined using simple interest calculations, can be arranged monthly, quarterly, or annually based on your needs. This method delivers steady returns and improved liquidity compared to cumulative alternatives, particularly supporting individuals with ongoing financial commitments.

retirement

FD for Senior Citizens

This thoughtfully crafted deposit category provides elderly investors with a substantial interest enhancement of 0.50%* p.a.

Life assured income

FD for Monthly Income

This strategically organised format ensures investors receive interest disbursements every month, supporting regular financial planning.

cash

Fixed Deposit for Women

Female depositors benefit from preferential conditions with an enhanced interest rate of 0.05%* p.a. above regular rates.

coin

Fixed Deposit for NRI

Non-Resident Indians maintain investment accessibility through sanctioned physical banking locations across India.

In addition, our FDs can support planning for important life events

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

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

Appreciating the distinctive features and benefits of fixed deposits is fundamental to making prudent investment choices. The core attributes of FD include

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

Shriram Fixed Deposit Interest Rates in Malda City

FD rates in Malda City show considerable distinctions among diverse financial establishments and NBFCs. Strategic investors routinely examine multiple alternatives before committing their resources. Your potential yields typically depend on factors such as your designated tenure and the particular banking entity holding your deposit. 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 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 Malda City

For initiating a Shriram Finance fixed deposit in Malda City, potential investors must fulfil defined eligibility protocols. The categories permitted to create fixed deposits in Malda City consist of

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

How to Invest in Fixed Deposit with Shriram in Malda City

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Setting up a fixed deposit is simple using electronic platforms or by visiting a Malda City branch in person to provide your paperwork. Prepare all essential identification and residence proof documents in advance for an efficient application experience. Generally, these organised procedures permit you to establish an FD through online avenues.

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 Malda City?

Upon your FD's maturity, assessing the benefits of selecting to renew your Shriram FD in Malda City could support ongoing financial stability. Access our website or visit a nearby branch to initiate your renewal. The following procedure shows how to finalise your FD renewal using our online services

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 Malda City

Shriram Finance has strategically positioned FD branches in Malda City to serve your fixed deposit needs. These customer-oriented offices house skilled financial consultants who provide customized direction on how to open fixed deposit accounts or manage existing Unnati Fixed Deposit Scheme portfolios. Below is the compilation of Shriram Finance branches in Malda City

Malda

  • NH-34, Sarbamangala Pally, C/O Banamaali Garage, Ps-English Bazar MALDA,WEST BENGAL Pincode 732101 Phone18001034959

Siliguri

  • 2nd Floor, Spencer Plaza, L/M- Vishal Mega Mart, Burdwan Road, Siliguri BAGDOGRA,WEST BENGAL Pincode 734014 Phone18001034959

Siliguri - I

  • First Floor, College More BAGDOGRA,WEST BENGAL Pincode 734014 Phone18001034959
View All Branches

Shriram FD Customer Care in Malda City

When questions develop or you seek enhanced insight into your fixed deposit account, our professional Fixed Deposit Customer Care team in Malda City is prepared to offer comprehensive explanations. Connect with our telephone helpdesk for immediate assistance with your investments. Our detailed customer support information is always available when required.

Toll Free

Shriram FD Status in Malda City

To track your Shriram Fixed Deposit status in Malda City, employ our efficient online platform or reach out to our responsive support team. Consistent review of your FD status allows you to stay updated about upcoming maturity timeframes and interest progressions.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

What is the minimum deposit amount for a Fixed Deposit in Malda City?

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

What is the interest rate on Fixed Deposits in Malda City?

The interest rate on FD in Malda City 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 Malda City?

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

Yes, premature withdrawal of a fixed deposit is permitted in Malda City; however, it may result in penalties or lower interest rates. It is recommended to verify the specific conditions before proceeding.

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

Yes, you can establish a fixed deposit account in a minor's name with guardian consent with Shriram Fixed Deposit.

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

Yes, a penalty typically applies for premature withdrawal of a fixed deposit. This penalty generally involves a reduction in the interest rates applicable to the deposit.

Can I change the nominee for my Fixed Deposit in Malda City?

Yes, you can modify the nominee for your FD account in Malda City. This process usually requires submitting a request form along with valid identification information of the new nominee.

Can I open multiple Fixed Deposits in Malda City?

Yes, you can create multiple fixed deposits in Malda City across various financial institutions or within the same financial organisation.

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

Generally, no upper limit exists; however, certain financial institutions may offer specific schemes with established limits.

Can I open a Fixed Deposit in a joint account in Malda City?

Yes, you can establish a fixed deposit account in a joint account in Malda City subject to the financial institution's terms and policies.

Are there any fixed deposit schemes for senior citizens in Malda City?

Yes, numerous financial institutions provide enhanced fixed deposit interest rates for senior citizens compared to standard deposits. For example, Shriram Finance offers an 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 Malda City?

Shriram Finance provides an extra 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 Malda City?

Yes, FD interest rates may vary based on tenure. Typically, longer tenures might 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 Malda City?

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