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)

T&C Apply

Terms and Conditions

Your Consent to Proceed
To help us serve you better, we need your permission for a few things. Please read and agree before continuing.
*By proceeding, you indicate that you are subscribing to our service and promotional calls.

1. Sharing & Using Your Information

You allow Shriram Finance Limited (SFL) to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when SFL considers such disclosure/ fetching as necessary, with/ from

Our employees, contracted agents and service providers
Credit bureaus, auditors, government and regulatory bodies
KYC agencies (UIDAI, CERSAI)

We do this to:

Help you apply and complete your onboarding
Verify your identity and do KYC checks
Follow legal and regulatory requirements
Check your creditworthiness
Process your data securely for risk review, scoring, and support
Contact you for service-related matters
Report defaults and recover overdue amounts if needed

2. Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

3. Privacy Policy

You confirm that you've read and understood our Privacy Policy, and you agree to review any updates we may make from time to time.

4. Terms & Conditions

You also agree to our Terms & Conditions, which govern your use of our services. Please read them carefully before proceeding.

5. Help from Our Support Team

You give us permission to share your details with our service partners. They may contact you to help you complete your application or guide you through the onboarding process. This consent will override any registrations with NCPR/NDNC.

KYC related Terms and Conditions

CKYC Consent -

I hereby authorize SFL to verify/check/obtain/download/upload/update my KYC details from/with the Central KYC Registry(CERSAI):

By verifying such details through the CKYC number (i.e. KYC Identifier Number - KIN) provided by me or
By obtaining such CKYC number/KIN, through details shared by me for this Application Form.
I hereby consent for receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.

Aadhaar based authentication (Aadhaar eKYC) or verification (Aadhaar OKYC) facility provided by Unique Identification Authority of India "UIDAI" -

E-KYC Consent -

At my own discretion, I voluntarily opt to perform and avail Aadhaar based authentication (eKYC) or verification (OKYC) from UIDAI and hereby submit to the SFL, the physical copy of Aadhaar card / physical e-Aadhaar / masked Aadhaar / Aadhaar Secure QR code / offline electronic Aadhaar xml as issued by UIDAI (Aadhaar), Aadhaar number, Virtual ID, e-Aadhaar, Aadhaar Letter, XML file, date of birth, Aadhaar holder name, photo, demographic information, face authentication details and/or biometric information (collectively, "Information") for the purpose of establishing my identity / address proof or in the capacity of guardian of my minor child's identity / address.
I am informed by the SFL that in connection with Aadhaar e-KYC or Aadhaar OKYC services, SFL shall share Aadhaar number and/or biometrics with CIDR/UIDAI, and in response, the CIDR/UIDAI shall share with SFL, the authentication data or verification data such as Aadhaar Holder Name, Date of Birth, Address, Photo, and Registered Mobile Number.

PURPOSE: I for myself/as guardian of minor child, authorise and give my consent to the SFL, for following informed purposes: -

Above mentioned information shall be used for KYC and periodic KYC updation process as per the PML Act, 2002 and rules thereunder and RBI guidelines, or for establishing my identity, carrying out my identification, e-KYC, or OKYC, or Yes/No Authentication, demographic or other authentication / verification / identification as may be permitted as per applicable law, for all accounts, facilities, services and relationships of/through the SFL, existing and future.
Collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/verification/ identification records:for the informed purposes above, as well as for regulatory and legal reporting and filings and/or where required under applicable law; producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration.
I further understand that Aadhaar number and core biometrics will not be stored/ shared except as per laws/regulations and for CIDR/UIDAI submission.
I shall be submitting to the Company any one of the Officially Valid documents such as Aadhaar, Voter ID, Driving License or Passport for customer due diligence/KYC process.

CONSENT DATA AND INFORMATION SHARING FROM FOR DIGILOCKER PROVIDED BY MEIT (Ministry of Electronics and Information Technology):

I authorise and give my consent to the SFL to obtain, share and store Certified Copy of Officially Valid Documents (OVD) or equivalent e-documents of OVD including documents issued through secured cloud based Digilocker platform of MeIT for the purpose of availing Financial Products from SFL.

KYC through Video Customer Identification Process(VCIP) – If I opt for VCIP Mode, I hereby agree and acknowledge/authorise:

That video based KYC validation (” Video KYC process”) has been provided as alternate method for establishing my identity with SFL
That my KYC will be completed by SFL, through Video KYC process, in accordance with process provided under the prevailing regulation, including Master Direction Know Your Customer (KYC) Direction, 2016, issued by Reserve Bank of India(“RBI”) and the amendments thereof.
All particulars, information and details to be provided by me in relation to this Video KYC process represent the true, correct and upto date information of myself in all respects.
That Video KYC process shall include but shall not be limited to the following steps concluded by authorised officer of SFL:
Live capturing of photo, along with live GPS co-ordinate (Geo-tagging) of the customer undertaking the VCIP and date time stamp where such live photo is being taken;
Permanent Account Number (PAN) is mandatory for onboarding through V-CIP mode and capturing clear image of PAN card during the V-CIP process. The PAN details will be verified from the verification facility of the issuing authority.
If Aadhaar card is permitted to be accepted as a documentary proof under law/regulation, the same will be obtained as contemplated under the prevalent law/regulation.
Video recording of the interaction (for concluding Video KYC) will be stored by SFL in accordance with applicable law/regulation.

Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

Fixed Deposit in Murwara

Murwara's evolution as a developing urban area in Madhya Pradesh presents favourable circumstances for financial advancement. A Fixed Deposit in Murwara offers residents a reliable approach to savings connecting capital preservation with earnings potential. The FD in Murwara creates transparent frameworks that assist investors in planning with certainty. This informative handbook provides fundamental knowledge about fixed deposits, from current returns to access provisions, empowering you to make informed decisions that balance both immediate requirements and future financial aspirations in this growing commercial hub.

Types of Fixed Deposits

Following are the diverse forms of FDs to support your financial ambitions

Cumulative Fixed Deposit

A Cumulative Fixed Deposit is an investment vehicle where interest earned isn't distributed periodically but rather merged with the principal amount. This compounding approach increases the overall yield, as interest develops on the expanding principal. Upon maturity, investors receive a total sum including both the original deposit and accumulated interest. Cumulative FDs are appropriate for those pursuing long-term wealth creation without requiring regular income, employing compounding to enhance returns.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at defined intervals, offering a consistent income stream. It's ideally matched for individuals requiring regular payouts. Interest is determined using simple interest methodology and can be issued monthly, quarterly, or annually. This choice delivers dependable yields and better liquidity compared to cumulative FDs, making it suitable for managing recurring expenses.

Fixed Deposit for NRI

Non-Resident Indians have the opportunity to make investments in FDs through physical application channels within India.

FD for Monthly Income

This arrangement allows for consistent monthly interest credits.

FD for Senior Citizens

This dedicated FD variety provides an additional 0.50%* p.a. interest rate for elderly investors.

Fixed Deposit for Women

Female investors enjoy an extra 0.05%* p.a. interest benefit.

Additionally, our FDs can support various other financial objectives

Fixed Deposit for Children
FD for Retirement Fund
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

Wondering what makes fixed deposits a worthwhile investment in Murwara? Review these key features and benefits of FD

Flexible tenureFlexible tenure

Low minimum investment amountLow minimum investment amount

Predictable returnsPredictable returns

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Compounding benefitsCompounding benefits

Attractive interest ratesAttractive interest rates

Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors

Shriram Fixed Deposit Interest Rates in Murwara

The FD rates in Murwara exhibit significant variation across different financial service providers. Potential depositors should thoroughly assess available options to maximise their yield. Principal determinants of interest returns include the selected investment tenure and the specific organisation offering the deposit scheme. 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
12	7.00
^{(Digital Only)}15	7.25
18- 23	7.15
24- 35	7.25
36-60	7.60

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.
12	6.79	6.82	6.88	7.00
^{(Digital Only)}15	7.02	7.06	7.12	7.25
18 - 23	6.93	6.97	7.03	7.15
24 - 35	7.02	7.06	7.12	7.25
36 - 60	7.35	7.39	7.46	7.60

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 %

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Murwara

Prior to investing in a fixed deposit in Murwara, applicants must meet specific qualification criteria. These investor categories are permitted to establish fixed deposits with Shriram Finance in Murwara

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

How to Invest in Fixed Deposit with Shriram in Murwara

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Murwara residents can establish a fixed deposit account by utilising Shriram Finance's online services or by directly visiting a Murwara branch to process their application. Having all mandatory documents prepared will facilitate a seamless enrollment experience. The conventional procedure for initiating an online FD in Murwara generally incorporates these phases

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 Murwara?

As your FD completes its term, you might choose to renew your Shriram FD in Murwara for sustained growth. Use our website/mobile app or visit our branches to continue your investment journey. These are the standard steps to renew FD online

Shriram Fixed Deposit Branches in Murwara

To accommodate your fixed deposit goals, Shriram Finance has established FD branches in Murwara. These strategically situated centres house qualified financial advisors who deliver tailored assistance on how to open fixed deposit or oversee active Unnati Fixed Deposit Scheme accounts. Below is the directory of Shriram Finance branches in Murwara

Katni

First Floor, House No. 38, Ward No. 43, Maharana Pratap, Jabalpur Road KATNI,MADHYA PRADESH Pincode 483501 Phone18001036369

Katni - I

Nehru Ward ,Baragwa KATNI,MADHYA PRADESH Pincode 483501 Phone18001036369

Katni - II

2nd Floor,Madhuwan 2 Complex ,Jawahar Lal Nehru Ward Bhargava KATNI,MADHYA PRADESH Pincode 483501 Phone18001036369

View All Branches

Shriram FD Customer Care in Murwara

For inquiries or guidance regarding your fixed deposit account, our Fixed Deposit Customer Care professionals stand ready to provide support. Reach our specialists by phone for swift help with your investment queries. Our customer assistance details are conveniently accessible when you require support.

Toll Free

Shriram FD Status in Murwara

To inquire about your Shriram Fixed Deposit status in Murwara, utilise our intuitive digital services or contact our dedicated support personnel. Keeping tabs on your FD status ensures timely awareness of approaching maturity periods and earned interest gains.

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 Murwara?

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

What is the interest rate on Fixed Deposits in Murwara?

The interest rate on FD in Murwara 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 Murwara?

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

Yes, customers can access early withdrawal of their fixed deposit in Murwara; however, this option typically involves certain penalties or interest reductions. We suggest reviewing the specific conditions carefully before making your decision.

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

Yes, establishing a fixed deposit account for a minor in Murwara is available through Shriram Fixed Deposit when appropriate guardian consent is submitted.

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

Yes, terminating a fixed deposit prior to its maturity date generally results in a penalty. This usually manifests as a reduced interest rate applied to your deposit amount.

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

Yes, modifying the nominee for your FD account in Murwara is permitted. This process typically requires submitting a specified form along with valid identification information of your new nominee.

Can I open multiple Fixed Deposits in Murwara?

Yes, you're allowed to create numerous fixed deposits in Murwara across different financial institutions or within the same banking organisation.

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

In general, there isn't a maximum investment threshold; however, individual financial institutions may implement certain schemes with specific upper limits.

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

Yes, initiating a fixed deposit through a joint account in Murwara is feasible, provided you adhere to the financial institution's particular terms and conditions.

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

Yes, many financial organisations extend preferential fixed deposit interest rates for senior citizens compared to standard deposits. Specifically, 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 Murwara?

Shriram Finance offers a favourable interest rate that is 0.50%* p.a. higher for senior citizens than for regular depositors.

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

Yes, FD interest rates vary according to the chosen tenure. Generally, longer duration commitments attract higher interest rates compared to shorter periods due to the extended financial commitment from the depositor.

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

To prematurely close a Shriram FD, submit the original deposit receipt with a Rs.1 revenue stamp affixed, accompanied by a formal request letter and a cancelled cheque. As per RBI guidelines, a deposit cannot be closed before 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.

Non Resident Indian