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 Muzaffarpur

Investing in a Fixed Deposit in Muzaffarpur creates a foundation for systematic savings with defined returns, removing uncertainty from your financial journey. The FD in Muzaffarpur delivers predictability through clear terms and established growth patterns. From understanding interest structures to evaluating maturity options, this guide provides essential insights about fixed deposit accounts, helping you align investment decisions with both short-term needs and long-range objectives.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations

Cumulative Fixed Deposit

A Cumulative Fixed Deposit operates by reinvesting interest rather than paying it out, with earnings progressively incorporated into your principal amount. This establishes a growing compounding effect that enhances your wealth accumulation, generating returns on both your initial investment and previously earned interest. Upon maturity, you receive the full sum comprising your original deposit plus all compounded earnings. This format particularly benefits those pursuing substantial long-term capital appreciation without requiring regular income.

Non-Cumulative Fixed Deposit

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

FD for Monthly Income

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

Fixed Deposit for Senior Citizens

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

Fixed Deposit for NRI

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

Fixed Deposit for Women

Female depositors in Muzaffarpur enjoy favorable 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

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

Recognising the essential advantages and features of fixed deposits contributes to creating prudent investment strategies. The principal elements of FD comprise

Low minimum investment amountLow minimum investment amount

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

Attractive interest ratesAttractive interest rates

Predictable returns Predictable returns

Flexible tenureFlexible tenure

Compounding benefitsCompounding benefits

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Shriram Fixed Deposit Interest Rates in Muzaffarpur

FD rates in Muzaffarpur show substantial diversity among different financial establishments. Thoughtful savers diligently evaluate competing alternatives before deciding where to place their funds. The returns you gain typically depend on variables such as your intended deposit period and the individual financial institution securing 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
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 Muzaffarpur

Starting a Shriram Fixed Deposit in Muzaffarpur necessitates fulfillment of designated eligibility requirements. The entities qualified to open fixed deposits in Muzaffarpur include

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

How to Invest in Fixed Deposit with Shriram in Muzaffarpur

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Initiating a fixed deposit is uncomplicated whether you prefer internet services or choose to visit a Muzaffarpur branch physically to submit your paperwork. Gather all essential identification and residence proof documents beforehand for a smooth application procedure. Typically, these methodical processes allow you to set up an FD through digital platforms.

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 Muzaffarpur?

As your FD completes its term, understanding the benefits of renewing your Shriram FD in Muzaffarpur could support your ongoing financial strategy. Browse our website or approach a local branch to facilitate your renewal. Follow these instructions to smoothly complete your FD renewal using our online system

Shriram Fixed Deposit Branches in Muzaffarpur

Shriram Finance has methodically established FD branches in Muzaffarpur to serve your fixed deposit needs. These customer-dedicated offices employ knowledgeable financial consultants who deliver expert guidance on how to open fixed deposit accounts or track ongoing Unnati Fixed Deposit Scheme investments. Here is a compilation of Shriram Finance branches in Muzaffarpur

Muzaffarpur

2nd Floor, Circuit House Road, In front of Military Canteen, Hanuman Nagar, Maripur Post Office - HPO, Police Station Sadar

Muzaffarpur - I

Nilam Complex, 4th Floor, In Front of Jawahar Cinema, Harisabha Chowk MUZAFFARPUR,BIHAR Pincode 842001 Phone18001034959

Vaishali

Village Belsar P.O. Anirudh Belsar Paterahi Belsar Aniruddha Belsar VAISHALI,BIHAR Pincode 844111 Phone18001034959

View All Branches

Shriram FD Customer Care in Muzaffarpur

When inquiries surface or you seek additional clarity about your fixed deposit account, our knowledgeable Fixed Deposit Customer Care team in Muzaffarpur stands ready to provide detailed guidance. Contact our phone support line for quick help with your investments. Our complete customer service contact details remain available whenever necessary.

Toll Free

Shriram FD Status in Muzaffarpur

For assessing your Shriram Fixed Deposit status in Muzaffarpur, use our thorough digital platform or contact our attentive support personnel. Consistent observation of your FD status enables you to stay informed about forthcoming maturity dates and interest advancements.

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Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Muzaffarpur?

The interest rate on FD in Muzaffarpur 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 Muzaffarpur?

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

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

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

Yes, you can open a fixed deposit account for a minor with guardian authorization 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 Muzaffarpur?

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

Can I open multiple Fixed Deposits in Muzaffarpur?

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

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

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 Muzaffarpur?

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

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

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 Muzaffarpur?

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 Muzaffarpur?

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 Muzaffarpur?

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 directives, 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.

Non Resident Indian