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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 Nagapattinam

Shriram Finance offers a secure and rewarding option for growing your savings through fixed deposits. A Fixed Deposit in Nagapattinam provides investors with stable and predictable returns, making it an ideal choice for those seeking financial security and steady income. This guide will help you understand the benefits, current interest rates, and key features of fixed deposits available in Nagapattinam, enabling you to make informed decisions to strengthen your financial future in this culturally rich city.

Types of Fixed Deposits

Consider these fixed deposit varieties to support your money goals

interest rates

Cumulative Fixed Deposit

With this deposit type, you won't receive periodic interest payments. Instead, the interest your money earns gets added to your original amount. This creates a growth cycle where your deposit increases faster over time, as you earn interest on both your initial investment and the previously earned interest. When your deposit matures, you receive everything at once your starting amount plus all the accumulated interest. Cumulative FDs are perfect for those seeking long-term growth without needing regular income, using compound interest to achieve the highest possible returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit gives you interest payments at regular intervals, creating a steady income stream. Your earnings are calculated using simple interest methods and can be paid monthly, quarterly, or yearly. This option delivers predictable returns and better access to your money compared to cumulative deposits, making it suitable for meeting 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 important life events

  • FD for Retirement Fund
  • FD for Wedding Expenses
  • Fixed Deposit for Children
  • 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 what fixed deposits offer helps you make informed investment choices. Here are the main advantages

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

Shriram Fixed Deposit Interest Rates in Nagapattinam

Fixed deposit rates in Nagapattinam differ significantly among financial institutions. It's worthwhile to compare rates to ensure you get the best returns. Generally, interest rates are influenced by factors such as your chosen investment period and the type of institution offering the 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 Nagapattinam

Before starting a fixed deposit, you need to ensure you meet the eligibility criteria. Typically, these groups can open an FD

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

How to Invest in Fixed Deposit with Shriram in Nagapattinam

Shriram Finance offers competitive interest rates and flexible terms with their Shriram Unnati Fixed Deposit. You can open an account online or visit a local branch to complete your application. Ensure you have all necessary documents ready for a smooth process. To invest online, follow these general steps

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 Nagapattinam?

When your fixed deposit reaches maturity, you may wish to continue your investment with Shriram FD in Nagapattinam to maintain your savings growth. We offer multiple renewal channels including our official website, mobile application, or any of our physical branches throughout Nagapattinam. For those who prefer online renewal, follow these straightforward steps

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 Nagapattinam

Shriram Finance maintains FD branches across Nagapattinam to address all your fixed deposit requirements. These branches have experienced staff who provide expert guidance on how to open fixed deposit accounts or help manage existing investments within the Unnati Fixed Deposit Scheme. Find us at these Nagapattinam locations

Nagapattinam

  • Pincode 842001

Nagapattinam - I

  • I Floor, Pidari Koil Street NAGAPATTINAM,TAMIL NADU Pincode 611001 Phone18001034959

Kariyapattinam

  • Shriram Finance maintains FD branches across Nagapattinam to address all your fixed deposit requirements. These branches have experienced staff who provide expert guidance on how to open fixed deposit accounts or help manage existing investments within the Unnati Fixed Deposit Scheme. Find us at these Nagapattinam locations
View All Branches

Shriram FD Customer Care in Nagapattinam

Should you have any questions or need assistance with your fixed deposit account, our dedicated Fixed Deposit Customer Care team is ready to help. Simply ring one of our customer service numbers for immediate support regarding your investments. Our helplines are

Toll Free

Shriram FD Status in Nagapattinam

To check your Shriram Fixed Deposit status in Nagapattinam, you can either use our convenient onlnie services or contact our customer care team directly. Regular status checks help you stay updated on maturity dates and interest earnings.

Fixed Deposit in Major Cities in India

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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 Nagapattinam?

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

What is the interest rate on Fixed Deposits in Nagapattinam?

The interest rate on FD in Nagapattinam 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 Nagapattinam?

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

Yes, premature withdrawal of a fixed deposit is allowed in Nagapattinam; however, it may incur penalties or reduced interest rates. It is advisable to check the specific terms before proceeding.

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

Yes, you can open a fixed deposit account in the name of a minor with a guardian's consent with Shriram Fixed Deposit.

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

Yes, there is usually a penalty for premature withdrawal of a fixed deposit. This penalty often involves a reduction in interest rates applicable to the deposit.

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

Yes, you can change the nominee for your FD account in Nagapattinam. This process typically requires submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Nagapattinam?

Yes, you can open multiple fixed deposits in Nagapattinam across different financial institutions or within the same financial institution.

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

Generally, there is no upper limit; however, some financial institutions may have specific schemes with defined limits.

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

Yes, you can open a fixed deposit account in a joint account in Nagapattinam subject to the financial institutions terms and conditions.

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

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 Nagapattinam?

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 Nagapattinam?

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

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

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

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.