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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 Munger

Investing in a Fixed Deposit in Munger creates a foundation for systematic savings growth through established investment patterns. The FD in Munger delivers confidence through transparent terms and predictable returns. This comprehensive guide examines key aspects of fixed deposit accounts, from interest structures to maturity options, equipping you to make informed financial choices that balance immediate responsibilities with long-term aspirations.

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 functions by retaining interest rather than distributing it, with earnings progressively incorporated into your principal amount. This establishes an expanding compounding effect that enhances your wealth accumulation, generating returns on both your initial investment and previously earned interest. When your deposit reaches maturity, you receive the comprehensive sum comprising your original deposit plus all compounded earnings. This format particularly advantages those pursuing substantial long-term capital growth without requiring periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit enables interest payouts at predetermined intervals, creating a reliable income stream. These disbursements, calculated using simple interest principles, can be scheduled monthly, quarterly, or yearly according to your needs. This approach provides steady returns and greater access to earnings compared to cumulative options, especially advantageous for those with recurring financial obligations.

retirement

FD for Monthly Income

This systematically structured format ensures Munger depositors receive interest payments every month, supporting consistent financial management and budgeting.

Life assured income

Fixed Deposit for NRI

Non-Resident Indians with ties to Munger retain investment opportunities through authorised physical banking locations throughout India.

cash

Fixed Deposit for Senior Citizens

This thoughtfully designed investment option offers elderly residents of Munger an attractive interest premium of 0.50%* p.a. above standard rates.

coin

Fixed Deposit for Women

Female depositors in Munger enjoy favourable conditions with an enhanced interest rate of 0.05%* p.a. beyond regular offerings.

In addition, our FDs can support planning for important life events

  • Fixed Deposit for Children
  • FD for Retirement Fund
  • 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

Understanding the fundamental advantages and features of fixed deposits helps in establishing effective investment strategies. The vital elements of FD include

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

Shriram Fixed Deposit Interest Rates in Munger

FD rates in Munger demonstrate considerable diversity between different financial organisations. Prudent savers methodically assess available options before committing their capital. Your interest earnings typically vary according to factors such as your selected investment period and the specific financial institution maintaining your deposit. 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.

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 Munger

Accessing a Shriram Fixed Deposit in Munger necessitates fulfillment of particular eligibility prerequisites. The groups permitted to initiate fixed deposits in Munger comprise

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

How to Invest in Fixed Deposit with Shriram in Munger

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit is straightforward whether you choose online methods or elect to visit a Munger branch in person to present your paperwork. Gather all necessary identification and residence proof documents in advance for a smooth application procedure. Typically, these methodical processes permit you to establish an FD using electronic platforms.

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

    Complete the payment online and add nominee details.

  • Step 5

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Munger?

As your FD reaches its maturity date, weighing the advantages of renewing your Shriram FD in Munger could support your continued financial journey. Explore our website or connect with a branch in your vicinity to manage your renewal. Use this guide to successfully navigate your FD renewal through our online portal

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 Select the FD amount and tenure.
Review
Step 5 Review and confirm the terms of the renewed FD investment and confirm the renewal.
Confirm
Step 6 Once the renewal process is complete, a confirmation of the FD renewal will be sent to you.

Shriram Fixed Deposit Branches in Munger

Shriram Finance has carefully established FD branches in Munger to serve your fixed deposit aspirations. These service-dedicated offices feature capable financial advisors who offer detailed assistance on how to open fixed deposit accounts or monitor ongoing Unnati Fixed Deposit Scheme portfolios. Below is an overview of Shriram Finance branches in Munger

Munger

  • 1st Floor, Chhoti Mirjapur, Jamalpur Road, P.S - Kasim Bazar MUNGER,BIHAR Pincode 811201 Phone18001034959

Jamui

  • 1st Floor, Above Sonalika Showroom, Jamui - Lakhisarai main road, Near Dhramkanta JAMUI,BIHAR Pincode 811307 Phone18001036369

Begusarai

  • 2nd Floor, Osho House Nh-31,Kapasiya BEGUSARAI,BIHAR Pincode 851101 Phone18001036369
View All Branches

Shriram FD Customer Care in Munger

When concerns arise or you need more details about your fixed deposit account, our professional Fixed Deposit Customer Care team in Munger stands prepared to offer comprehensive guidance. Contact our phone support line for efficient help with your investments. Our complete customer service information remains accessible whenever needed.

Toll Free

Shriram FD Status in Munger

For examining your Shriram Fixed Deposit status in Munger, leverage our efficient digital platform or connect with our dedicated customer service personnel. Consistent tracking of your FD status helps you maintain awareness of forthcoming maturity timeframes and interest growth.

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 Munger?

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

What is the interest rate on Fixed Deposits in Munger?

The interest rate on FD in Munger 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 Munger?

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

Yes, premature withdrawal of a fixed deposit is available in Munger; however, it might result in penalties or decreased interest rates. It is beneficial to review the specific terms before proceeding.

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

Yes, you can open a fixed deposit account for a minor with guardian consent with Shriram Fixed Deposit.

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

Yes, there is commonly a penalty for premature withdrawal of a fixed deposit. This penalty generally includes a reduction in the interest rates that would be applied to the deposit.

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

Yes, you can modify the nominee for your FD account in Munger. This process usually requires submitting an application form along with valid identification proof of the new nominee.

Can I open multiple Fixed Deposits in Munger?

Yes, you can create multiple fixed deposits in Munger across various financial institutions or within the same banking establishment.

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

Generally, there is no ceiling limit; however, certain financial institutions may feature specific plans with predetermined limits.

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

Yes, you can establish a fixed deposit account in a joint account in Munger subject to the financial institution's policies and guidelines.

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

Yes, many financial institutions provide enhanced fixed deposit interest rates for senior citizens compared to standard deposits. For instance, Shriram Finance provides an 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 Munger?

Shriram Finance extends 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 Munger?

Yes, FD interest rates can vary based on tenure. Typically, longer tenures might offer higher interest rates compared to shorter ones due to the extended commitment period from the depositor.

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

To prematurely close a Shriram FD, provide the original deposit receipt with a Rs.1 revenue stamp, a written request, and a cancelled cheque. According to RBI guidelines, a deposit receipt cannot be prematurely closed before three months from the deposit/renewal date except in case of 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.