Invest in Shriram Unnati Fixed Deposit Maximise your returns & earn up to 7.80%* p.a.

(Inclusive of 0.50%* p.a. for senior citizens & 0.05%* p.a. for women depositors)

T&C Apply

Terms and Conditions

Your Consent to Proceed
To help us serve you better, we need your permission for a few things. Please read and agree before continuing.
*By proceeding, you indicate that you are subscribing to our service and promotional calls.

1. Sharing & Using Your Information

You allow Shriram Finance Limited (SFL) to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when SFL considers such disclosure/ fetching as necessary, with/ from

Our employees, contracted agents and service providers
Credit bureaus, auditors, government and regulatory bodies
KYC agencies (UIDAI, CERSAI)

We do this to:

Help you apply and complete your onboarding
Verify your identity and do KYC checks
Follow legal and regulatory requirements
Check your creditworthiness
Process your data securely for risk review, scoring, and support
Contact you for service-related matters
Report defaults and recover overdue amounts if needed

2. Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

3. Privacy Policy

You confirm that you've read and understood our Privacy Policy, and you agree to review any updates we may make from time to time.

4. Terms & Conditions

You also agree to our Terms & Conditions, which govern your use of our services. Please read them carefully before proceeding.

5. Help from Our Support Team

You give us permission to share your details with our service partners. They may contact you to help you complete your application or guide you through the onboarding process. This consent will override any registrations with NCPR/NDNC.

KYC related Terms and Conditions

CKYC Consent -

I hereby authorize SFL to verify/check/obtain/download/upload/update my KYC details from/with the Central KYC Registry(CERSAI):

By verifying such details through the CKYC number (i.e. KYC Identifier Number - KIN) provided by me or
By obtaining such CKYC number/KIN, through details shared by me for this Application Form.
I hereby consent for receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.

Aadhaar based authentication (Aadhaar eKYC) or verification (Aadhaar OKYC) facility provided by Unique Identification Authority of India "UIDAI" -

E-KYC Consent -

At my own discretion, I voluntarily opt to perform and avail Aadhaar based authentication (eKYC) or verification (OKYC) from UIDAI and hereby submit to the SFL, the physical copy of Aadhaar card / physical e-Aadhaar / masked Aadhaar / Aadhaar Secure QR code / offline electronic Aadhaar xml as issued by UIDAI (Aadhaar), Aadhaar number, Virtual ID, e-Aadhaar, Aadhaar Letter, XML file, date of birth, Aadhaar holder name, photo, demographic information, face authentication details and/or biometric information (collectively, "Information") for the purpose of establishing my identity / address proof or in the capacity of guardian of my minor child's identity / address.
I am informed by the SFL that in connection with Aadhaar e-KYC or Aadhaar OKYC services, SFL shall share Aadhaar number and/or biometrics with CIDR/UIDAI, and in response, the CIDR/UIDAI shall share with SFL, the authentication data or verification data such as Aadhaar Holder Name, Date of Birth, Address, Photo, and Registered Mobile Number.

PURPOSE: I for myself/as guardian of minor child, authorise and give my consent to the SFL, for following informed purposes: -

Above mentioned information shall be used for KYC and periodic KYC updation process as per the PML Act, 2002 and rules thereunder and RBI guidelines, or for establishing my identity, carrying out my identification, e-KYC, or OKYC, or Yes/No Authentication, demographic or other authentication / verification / identification as may be permitted as per applicable law, for all accounts, facilities, services and relationships of/through the SFL, existing and future.
Collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/verification/ identification records:for the informed purposes above, as well as for regulatory and legal reporting and filings and/or where required under applicable law; producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration.
I further understand that Aadhaar number and core biometrics will not be stored/ shared except as per laws/regulations and for CIDR/UIDAI submission.
I shall be submitting to the Company any one of the Officially Valid documents such as Aadhaar, Voter ID, Driving License or Passport for customer due diligence/KYC process.

CONSENT DATA AND INFORMATION SHARING FROM FOR DIGILOCKER PROVIDED BY MEIT (Ministry of Electronics and Information Technology):

I authorise and give my consent to the SFL to obtain, share and store Certified Copy of Officially Valid Documents (OVD) or equivalent e-documents of OVD including documents issued through secured cloud based Digilocker platform of MeIT for the purpose of availing Financial Products from SFL.

KYC through Video Customer Identification Process(VCIP) – If I opt for VCIP Mode, I hereby agree and acknowledge/authorise:

That video based KYC validation (” Video KYC process”) has been provided as alternate method for establishing my identity with SFL
That my KYC will be completed by SFL, through Video KYC process, in accordance with process provided under the prevailing regulation, including Master Direction Know Your Customer (KYC) Direction, 2016, issued by Reserve Bank of India(“RBI”) and the amendments thereof.
All particulars, information and details to be provided by me in relation to this Video KYC process represent the true, correct and upto date information of myself in all respects.
That Video KYC process shall include but shall not be limited to the following steps concluded by authorised officer of SFL:
Live capturing of photo, along with live GPS co-ordinate (Geo-tagging) of the customer undertaking the VCIP and date time stamp where such live photo is being taken;
Permanent Account Number (PAN) is mandatory for onboarding through V-CIP mode and capturing clear image of PAN card during the V-CIP process. The PAN details will be verified from the verification facility of the issuing authority.
If Aadhaar card is permitted to be accepted as a documentary proof under law/regulation, the same will be obtained as contemplated under the prevalent law/regulation.
Video recording of the interaction (for concluding Video KYC) will be stored by SFL in accordance with applicable law/regulation.

Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

Fixed Deposit in Mamit

A Fixed Deposit in Mamit lets you lock your money for a set time period in return for higher interest rates. Many investors use FD in Mamit to save for specific goals like home repairs, education fees, or family occasions. This guide explains in simple terms how fixed deposits work, current interest rate ranges, and how to choose the right deposit period based on your financial goals.

Types of Fixed Deposits

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

Cumulative Fixed Deposit

A Cumulative Fixed Deposit keeps your earned interest with your principal deposit rather than distributing it. This creates a growth-enhancing effect as you earn interest on both your original amount and previously accumulated interest. When your deposit term completes, you receive everything at once—your initial deposit plus all built-up interest. This option is ideal for those seeking maximum growth who don't require regular income from their investment.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest at regular periods, providing a steady income stream. The interest is determined using simple interest formulas and can be sent to you monthly, quarterly, or yearly. This option offers reliable returns and improved access to your earnings compared to cumulative FDs, making it beneficial for managing recurring expenses.

FD for Senior Citizens

This FD type provides an additional 0.50%* p.a. interest rate for senior citizens.

Fixed Deposit for Women

Women depositors receive an extra 0.05%* p.a. interest rate.

Fixed Deposit for NRI

Non-Resident Indians can invest in FDs through offline channels in India.

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 7.80%* 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

Prudent financial planning requires systematic assessment of fixed deposit benefits and characteristics. The fundamental components of FD comprise

Predictable returnsPredictable returns

Flexible tenureFlexible tenure

Attractive interest ratesAttractive interest rates

Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Low minimum investment amountLow minimum investment amount

Compounding benefitsCompounding benefits

Shriram Fixed Deposit Interest Rates in Mamit

FD rates in Mamit display considerable diversity among different financial organisations. Prudent investors methodically assess numerous possibilities before selecting where to invest their savings. The interest yields usually change according to aspects like your chosen duration and the individual financial entity administering your funds. 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 7.80%* 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
12	6.75
^{(Digital Only)}15	7.05
18- 23	7.00
24- 35	7.05
36-60	7.25

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.
12	6.55	6.59	6.64	6.75
^{(Digital Only)}15	6.83	6.87	6.93	7.05
18 - 23	6.79	6.82	6.88	7.00
24 - 35	6.83	6.87	6.93	7.05
36 - 60	7.02	7.06	7.12	7.25

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 %

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Mamit

Shriram Finance has established distinct eligibility standards for aspiring fixed deposit holders in Mamit. The entities qualified to make fixed deposit investments in Mamit include

Eligibility 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 Mamit

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit offers adaptability with possibilities to proceed digitally or by visiting a Mamit branch for application management. Collect all essential documentation beforehand for a seamless setup journey. Typically, follow these step-by-step steps to invest in FD online

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 Mamit?

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

Shriram Fixed Deposit Branches in Mamit

Shriram Finance features strategically located FD branches in Mamit to satisfy your fixed deposit objectives. These client-focussed facilities are equipped with knowledgeable financial experts who offer tailored counsel on how to open fixed deposit accounts or handle ongoing Unnati Fixed Deposit Scheme arrangements. Below is the list of Shriram Finance branches in Mamit

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 Mamit

When questions occur or you seek information about your fixed deposit account, our knowledgeable Fixed Deposit Customer Care representatives are prepared to address your inquiries. Connect via our telephone helpline for quick assistance regarding your investments. Complete customer care contact information is easily available for your convenience.

Toll Free

Shriram FD Status in Mamit

Check your Shriram Fixed Deposit status in Mamit through our comprehensive online services or by connecting with our knowledgeable customer service representatives. Routine verification of your FD status helps you remain aware of forthcoming maturity dates and interest earnings.

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 Mamit?

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

The interest rate on FD in Mamit is 7.80%* 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 Mamit?

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

Yes, premature withdrawal of fixed deposits is permitted in Mamit; however, this facility may result in certain financial consequences such as penalties or interest adjustments. Reviewing the specific conditions is essential before proceeding with early withdrawal.

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

Yes, creating a fixed deposit account for a minor in Mamit is possible with guardian supervision through Shriram Fixed Deposit programs.

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

Yes, withdrawing from a fixed deposit before maturity generally incurs penalties. These typically take the form of reduced interest rates applied to your deposit amount.

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

Yes, updating the nominee designation for your FD account in Mamit is an available option. This process usually requires submitting a formal application form with valid identification documentation of the new nominee.

Can I open multiple Fixed Deposits in Mamit?

Yes, establishing several fixed deposits in Mamit is feasible, whether distributed across different financial institutions or maintained within the same organisation.

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

Generally, no upper investment limitation exists; however, specific financial institutions may implement their own thresholds for particular deposit programs.

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

Yes, initiating a fixed deposit through a joint account in Mamit is doable, subject to compliance with the financial institution's specific terms and requirements.

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

Yes, many financial organisations offer enhanced fixed deposit interest rates for senior citizens. Specifically, Shriram Finance provides an additional 0.50%* p.a. interest benefit for senior citizen depositors.

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

Shriram Finance extends senior citizens an enhanced interest rate of 0.50%* p.a. above the rate offered to regular depositors in Mamit.

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

Yes, interest rates for fixed deposits vary based on tenure selection. Generally, deposits with extended commitment periods may offer more favorable interest rates compared to shorter-term options due to the longer financial commitment.

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

To initiate premature closure of a Shriram FD in Mamit, you must present the original deposit certificate with a Rs.1 revenue stamp affixed, accompanied by a formal request letter and a cancelled cheque. In accordance with RBI regulations, deposits cannot be closed before completing three months from the deposit/renewal date except in cases of depositor 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.

Non Resident Indian