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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 Mangaluru

Mangaluru is a key coastal city with growing commercial activity. It provides several ways for people to manage their finances effectively. Among these, a Fixed Deposit in Mangaluru is a preferred choice for those who value consistent returns and structured savings. It allows you to invest a fixed amount for a selected period, with clarity on interest earnings. This guide provides essential information on how to open an FD in Mangaluru with Shriram Finance. You will learn about available tenures, interest payout options, and tips for selecting a fixed deposit plan that suits your financial needs. With the right approach, you can take confident steps towards building long-term financial stability.

Types of Fixed Deposits

Look at these fixed deposit options to support your financial plans

interest rates

Cumulative Fixed Deposit

This investment does not provide regular interest payments. Instead, the interest earned is added to your principal amount, allowing your money to grow faster through compounding. Interest accumulates on both your original deposit and the interest earned previously. At maturity, you receive the total sum — your initial deposit plus all accumulated interest. Cumulative FDs are suited for those seeking long-term growth without needing regular income, as they benefit from compound interest to increase returns.

achievement

Non-Cumulative Fixed Deposit

This option pays interest at regular intervals, such as monthly, quarterly, or yearly. The interest is calculated using simple interest methods. Non-cumulative FDs provide steady returns and better liquidity compared to cumulative deposits, making them suitable for meeting ongoing expenses.

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

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

Fixed deposits in Mangaluru provide a reliable method for growing your savings over time. Understanding their features and advantages is essential for selecting the right plan that fits your financial objectives. Key highlights are listed below to help guide your decision.

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

Shriram Fixed Deposit Interest Rates in Mangaluru

FD rates in Mangaluru are determined by the bank and the deposit period. Interest rates differ, so reviewing multiple options is essential. Depending on your needs, you can either receive interest regularly or reinvest it to grow your savings. Picking a suitable fixed deposit scheme aids in meeting financial targets. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. GGet 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 Mangaluru

Checking your eligibility is essential before opening a fixed deposit account in Mangaluru. Typically, these categories are permitted to open an FD, so understanding the institution’s criteria will help you prepare the necessary documents.

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

How to Invest in Fixed Deposit with Shriram in Mangaluru

In Mangaluru, Shriram Finance provides the Shriram Unnati Fixed Deposit, allowing applications both online and at branches. The fixed deposit offers flexible durations and practical interest rates. To speed up the process, prepare your documents in advance. Below are the steps to open your Shriram Unnati Fixed Deposit online.

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 Mangaluru?

Upon maturity, you have the option to renew your Shriram FD in Mangaluru and extend its benefits. The renewal can be done online using the website or app, or by visiting a branch near you. Below are the steps for renewing your FD 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 Mangaluru

Through FD branches in Mangaluru, Shriram Finance helps customers open fixed deposits and handle account-related issues. The staff supports renewals, applications, and other queries. Visiting a branch also lets you gain insights into different fixed deposit features.

Mangalore - New

  • D. No.4-76/73,4-76/74, Athikari Acropolis, Shop No. S113, S114, Opposite Surathkal Post Office, Surathkal, Idya MANGALURU,KARNATAKA Pincode 575014 Phone18001034959

Karkala

  • Gopal Towers,1st Floor, Near Bus Stand, Above Sagar Hotel,Karkala MANGALURU,KARNATAKA Pincode 574104 Phone18001036369

Bantwal

  • 1st Floor, Sai Galaxy, B C Road, Jodumarga Post, Bantwal Mooda MANGALURU,KARNATAKA Pincode 574219 Phone18001036369
View All Branches

Shriram FD Customer Care in Mangaluru

For any queries or support related to your fixed deposit account, our Fixed Deposit Customer Care team is here to assist you. You can reach us by phone for prompt help with your investments. Below are the customer care contact numbers

Toll Free

Shriram FD Status in Mangaluru

For calculating FD returns, an FD returns calculator is a helpful tool. Input the deposit amount, interest rate, and duration to estimate your earnings and better plan your fixed deposit investments with accurate projections.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Mangaluru?

The interest rate on FD in Mangaluru 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 Mangaluru?

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

Yes, premature withdrawal of a fixed deposit usually incurs a penalty, which typically involves a reduction in the applicable interest rate.

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

Yes, with Shriram Fixed Deposit, you can open a fixed deposit account for a minor as long as the guardian provides their consent.

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

Yes, premature withdrawal of a fixed deposit usually results in a penalty that reduces the applicable interest rate on the deposit.

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

Yes, you can update the nominee for your FD account in Mangaluru by submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Mangaluru?

Yes, opening multiple fixed deposits is permitted both within one financial institution and across several institutions.

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

There is usually no upper limit on fixed deposits unless specified under particular schemes offered by financial institutions.

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

Yes, you can open a fixed deposit account in a joint account in Mangaluru subject to the financial institutions terms and conditions.

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

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 Mangaluru?

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 Mangaluru?

Yes, FD interest rates can vary depending on the tenure. Longer tenures generally provide different rates compared to shorter ones due to the duration of commitment.

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

To close a Shriram Fixed Deposit prematurely, you need to submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, premature closure is not permitted within three months of deposit/renewal unless it is due to 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.