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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 Manali

In Manali, many rely on seasonal earnings and there’s a growing preference for safe and consistent savings tools. A fixed deposit (FD) remains one of the most trusted options for those who value financial stability. It’s suitable for individuals planning future expenses, saving for retirement, or simply wanting steady returns without the ups and downs of the market. Shriram Fixed Deposit offers a dependable solution with competitive interest rates. With our flexible tenure options and a low minimum investment, your money grows at a fixed rate. Whether you’re saving for a short-term goal or setting funds aside for the long run, this option gives you the freedom to choose what works best for your needs. Starting an FD in Manali is a simple process. You can either apply online or walk into a nearby branch. The documentation is minimal, and the staff is always ready to guide you through. If you’re looking for a secure way to grow your savings, consider opening a Fixed Deposit in Manali with Shriram Finance today.

Types of Fixed Deposits

Following are the various forms of FDs to achieve your financial goals

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit functions as a term deposit where interest is not distributed periodically but instead reinvested alongside the principal amount. This compounding approach enhances the overall yield, as interest grows on the increasing principal. At the conclusion of the term, investors collect a single payment that includes both the initial deposit and all accumulated interest. Cumulative FDs are particularly beneficial for those seeking long-term growth without requiring regular income, harnessing compounding to maximise returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest at regular intervals, establishing a consistent income stream. It's well-suited for those needing regular payouts. Interest is determined using simple interest calculations and may be distributed monthly, quarterly, or annually. This arrangement ensures predictable returns and superior liquidity compared to cumulative FDs, making it appropriate for addressing recurring 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.

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

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

A solid understanding of fixed deposit features and benefits is essential. Here are some of the main advantages

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

Shriram Fixed Deposit Interest Rates in Manali

The FD rates in Manali differ among banks and financial institutions. Comparing these rates is vital to maximise your investment gains. Typically, interest rates are affected by factors including the deposit duration and the institution type offering the FD. 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 Manali

Shriram Fixed Deposit Eligibility Criteria in Manali Before creating a fixed deposit account, you must meet particular fixed deposit eligibility criteria in Manali. The following are typically the eligibility requirements for FD

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

How to Invest in Fixed Deposit with Shriram in Manali

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You have the option to open a fixed deposit account online or visit a branch to complete the application process. Ensuring all necessary documents are prepared will facilitate a smooth experience. The general steps for online FD investment are

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 Manali?

When your FD reaches maturity, you may consider options to renew your Shriram FD in Manali for ongoing benefits. Please visit our website, mobile application or branches to renew your fixed deposit. The typical steps for online FD renewal include

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 Manali

Shriram Finance provides FD branches in Manali dedicated to serving your fixed deposit requirements. These branches employ experienced staff who offer professional guidance on how to open fixed deposit or manage existing Unnati Fixed Deposit Scheme accounts. Below is a list of Shriram Finance branches located in Manali

Manali

  • 1st Floor, Thakur Complex, Kanchani Kot, Palchan KULLU,HIMACHAL PRADESH Pincode 175103 Phone18001034959

Kullu

  • 1st Floor, Vijay Complex, NH 21, Near Axis Bank, Gandhi Nagar KULLU,HIMACHAL PRADESH Pincode 175101 Phone18001036369

Anni

  • First Floor, Above ICICI Bank, Kiran Bazar, Post Office - Anni, Tehsil - Anni, Anni KULLU,HIMACHAL PRADESH Pincode 172026 Phone18001036369
View All Branches

Shriram FD Customer Care in Manali

If you have any queries or require assistance with your fixed deposit account, our Fixed Deposit Customer Care team is available to help. You can contact them by phone for prompt support regarding your investments. Our customer care numbers are provided below

Toll Free

Shriram FD Status in Manali

To check your Shriram Fixed Deposit status in Manali, you may use our online services or contact our customer care team. Monitoring your FD status ensures you remain informed about 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 manali?

The minimum you can invest in Shriram Fixed Deposit in Manali is Rs.5000. After that, deposits must be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in manali?

The interest rate on FD in manali 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 manali?

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

Yes, you can withdraw your fixed deposit early in Manali, but keep in mind there might be a penalty or a lower interest rate. It is smart to check the terms before you decide to close it early.

Can I open a Fixed Deposit in manali 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 manali?

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

Can I open multiple Fixed Deposits in manali?

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

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

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 manali?

Yes, you can open a joint fixed deposit account in Manali, but it's important to be aware of the terms and conditions set by the financial institution.

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

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 manali?

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 manali?

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 manali?

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.