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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 Moradabad

Moradabad, known for its craftsmanship and growing financial awareness, offers various savings options to support long-term goals. Among these, a Fixed Deposit in Moradabad is a practical choice for individuals who prefer a clear and consistent approach to growing their money. It allows you to invest a fixed amount for a selected period and receive interest at regular intervals or on maturity. This guide will help you explore the key aspects of opening an FD in Moradabad with Shriram Finance. From selecting the right tenure to understanding interest payouts, it provides useful tips for making informed decisions. Whether you are saving for a future plan or looking to manage your funds better, this guide aims to support your financial journey.

Types of Fixed Deposits

Consider these fixed deposit options to meet your financial goals

interest rates

Cumulative Fixed Deposit

This type of investment does not offer periodic interest payments. Instead, the interest earned is added back to your principal, creating a compounding effect. Your money grows faster over time as interest is earned on both the original deposit and accumulated interest. When the deposit matures, you receive the full amount your initial investment plus all the interest earned. Cumulative FDs are ideal for those seeking long-term growth without requiring regular income, as they use compound interest to increase returns.

achievement

Non-Cumulative Fixed Deposit

This option provides interest payments at fixed intervals, such as monthly, quarterly, or annually. Interest is calculated using simple interest methods. Non-cumulative FDs offer predictable returns and better access to your funds compared to cumulative deposits, making them suitable for managing 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.

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

Saving with fixed deposits in Moradabad can help you achieve your financial goals efficiently. Understanding their features and benefits enables you to choose the right plan that suits your needs. Key aspects of fixed deposits are listed below to assist with your decision-making process.

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 Moradabad

FD rates in Moradabad are influenced by the institution and the length of the deposit. Interest rates vary, so assessing multiple options is key. You can select between receiving interest periodically or allowing it to compound over time. A suitable fixed deposit plan helps fulfil financial objectives efficiently. 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 %

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Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Moradabad

Before starting a fixed deposit account in Moradabad, you should confirm that you meet the eligibility requirements. Generally, these categories can open an FD, and understanding the rules helps in completing the process without issues.

  • 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 Moradabad

Shriram Finance provides the Shriram Unnati Fixed Deposit in Moradabad, offering application options online and through branches. This fixed deposit comes with flexible durations and practical interest rates. Prepare your documents ahead of time to speed up the process. 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 Moradabad?

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

At FD branches in Meerut, Shriram Finance facilitates opening fixed deposits and addressing account-related queries. Staff members assist with renewals, applications, and more. Visiting the branch also helps you explore the features of different fixed deposit plans.

Moradabad

  • 1st Floor, Ratan Prem Complex, Above ING Vshya Bank, Near Sai Hospital, Delhi Road MORADABAD,UTTAR PRADESH Pincode: 244001 Phone:18001034959

Muradabad

  • No : A-16, 2nd Floor, Gandhi Nagar, Above Akbar Travels, Opposite Loveena Resturant, Rampur Road MORADABAD,UTTAR PRADESH Pincode: 244001 Phone:18001034959

Bareilly

  • 1st Floor, M.R. Plaza, Opposite M.J.P. Rohilkhand University BAREILLY,UTTAR PRADESH Pincode: 243001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Moradabad

For help with your FD account, you can contact the Fixed Deposit Customer Care team. Those in Moradabad can use the information below to connect with the team and get assistance with any account-related concerns.

Toll Free

Shriram FD Status in Moradabad

Stay informed about your FD deposit in Moradabad by using the online portal or reaching out to customer care. These resources provide details on interest rates and maturity updates, allowing you to manage your financial plans more effectively.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai
Fixed deposit in pune
Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

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

The interest rate on FD in Moradabad 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 Moradabad?

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

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 Moradabad 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 Moradabad?

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

Can I open multiple Fixed Deposits in Moradabad?

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 Moradabad?

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 Moradabad?

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

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

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 Moradabad?

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 Moradabad?

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 Moradabad?

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.