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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 Motihari

For families in Motihari looking to grow their savings safely, fixed deposits offer a time-tested solution. A Fixed Deposit in Motihari helps your money earn more than it would in a regular savings account, without any risk of loss. Many FD in Motihari include special rates for senior citizens and choices for how you receive your interest. This guide explains in simple terms how to select the most suitable fixed deposit term, the current interest rate, and how to calculate exactly how much money you'll receive when your deposit reaches maturity.

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 allows your earned interest to stay with your main deposit rather than being distributed. This creates a growth-multiplying effect as you earn interest on both your original amount and previously accumulated interest. When your deposit period concludes, you receive everything at once your initial deposit plus all built-up interest. This option works best for those seeking maximum growth who don't require regular income from their investment.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at regular time periods, creating a steady income stream. The interest is figured using simple interest calculations and can be sent to you monthly, quarterly, or yearly. This option delivers dependable returns and improved access to your earnings compared to cumulative FDs, making it suitable for managing recurring expenses.

retirement

Fixed Deposit for NRI

Non-Resident Indians can invest in FDs through physical banking channels in India while residing abroad.

Life assured income

Fixed Deposit for Women

Female investors receive an additional 0.05%* p.a. interest benefit.

cash

FD for Monthly Income

This structure allows for monthly interest payments to help support your regular financial requirements.

coin

FD for Senior Citizens

This specialised deposit category provides elderly investors with an extra interest rate of 0.50%* p.a.

Furthermore, our FDs can facilitate various additional financial objectives

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

Developing robust investment approaches depends on systematic assessment of fixed deposit qualities and advantages. The fundamental components of FD incorporate

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

Shriram Fixed Deposit Interest Rates in Motihari

FD rates in Motihari reveal significant fluctuations between different financial organisations. Strategic investors regularly assess several possibilities before deciding where to direct their money. The interest proceeds usually differ based on parameters like your preferred duration and the particular financial entity administering your investment. 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Motihari

Shriram Finance has established precise eligibility guidelines for potential fixed deposit customers in Motihari. The groups qualified to make fixed deposit investments in Motihari include

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

How to Invest in Fixed Deposit with Shriram in Motihari

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Creating a fixed deposit offers versatility with options to proceed digitally or by visiting a Motihari branch for application handling. Collect all required documentation beforehand for a hassle-free setup process. Typically, follow these ordered steps to invest in FD 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 Motihari?

As your fixed deposit duration finishes, you might find value in choosing to renew your Shriram FD in Motihari for ongoing wealth enhancement. Our website, mobile app, or local branches provide convenient renewal options. Follow these steps to complete your FD renewal digitally

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 Motihari

Shriram Finance presents strategically positioned FD branches in Motihari to address your fixed deposit goals. These customer-focused centres employ knowledgeable financial experts who deliver customised counsel on how to open fixed deposit accounts or oversee current Unnati Fixed Deposit Scheme plans. Below is the list of Shriram Finance branches in Motihari

Motihari

  • Second Floor, Above Fincare Small Finance Bank, NH - 28, Chhota Bariyarpur, Ward No - 39, Near Jawa Showroom MOTIHARI,BIHAR Pincode 845401 Phone18001034959

Motihari - I

  • Daggi Complex, 2nd Floor, In Front of Durga Mandir, Balua Chowk MOTIHARI,BIHAR Pincode 845401 Phone18001034959

Motihari - II

  • 1St Floor, Near Sonalika Tractor Agency, Chhatauni, Bhawanipur Zirat MOTIHARI,BIHAR Pincode 845401 Phone18001034959
View All Branches

Shriram FD Customer Care in Motihari

When doubts occur or you need information about your fixed deposit account, our experienced Fixed Deposit Customer Care team is prepared to respond to your inquiries. Connect through our telephone helpline for immediate assistance with your investments. Complete customer care contact information is easily obtainable for your use.

Toll Free

Shriram FD Status in Motihari

Monitor your Shriram Fixed Deposit status in Motihari through our comprehensive online services or by connecting with our knowledgeable customer service representatives. Routine examination of your FD status helps you remain cognizant of approaching maturity dates and interest accumulations.

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Motihari?

The interest rate on FD in Motihari 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 Motihari?

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

Yes, premature withdrawal of fixed deposits is available in Motihari; however, this facility may involve certain financial implications such as penalties or interest adjustments. Reviewing the specific conditions is recommended before proceeding with early withdrawal.

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

Yes, creating a fixed deposit account for a minor in Motihari is an option with guardian supervision through Shriram Fixed Deposit services.

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

Yes, early withdrawal from a fixed deposit typically results in penalties. These generally take the form of reduced interest rates applicable to your deposit.

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

Yes, updating the nominee for your FD account in Motihari is permissible. This process usually involves submitting a formal request form with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Motihari?

Yes, establishing several fixed deposits in Motihari 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 Motihari?

Generally, no upper investment limit exists; however, individual financial institutions may establish specific thresholds for certain deposit schemes.

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

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

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

Yes, many financial organisations offer enhanced fixed deposit interest rates for senior citizens. In particular, 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 Motihari?

Shriram Finance grants senior citizens an additional 0.50%* p.a. interest advantage compared to regular depositors in Motihari.

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

Yes, interest rates for fixed deposits vary based on tenure selection. Generally, deposits with longer commitment periods may offer higher interest rates compared to shorter durations due to the extended financial commitment.

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

To initiate premature closure of a Shriram FD in Motihari, you must present the original deposit certificate with a Rs1 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.