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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 Namchi

A fixed deposit (FD) is one of the most trusted saving options for individuals who wish to earn steady returns without taking market risks. It allows you to invest a lump sum for a fixed tenure and earn interest at a predetermined rate. Over time, this makes it easier to build a financial cushion for future needs. A Fixed Deposit in Namchi is a sensible choice for many residents who are looking for a stable and low-risk investment. With Shriram Finance, opening an FD is both convenient and rewarding. You can start with a minimum deposit of just Rs.5000, making it accessible even for first-time investors. Shriram Fixed Deposit offers competitive interest rates that help your money grow steadily throughout the chosen tenure. The application process is simple and can be completed either online or by visiting the nearest branch. With minimal documentation required, getting started is quick and hassle-free. If you’re planning to secure your savings while earning fixed returns, an FD in Namchi with Shriram Finance could be the right move.

Types of Fixed Deposits

Following are the various forms of FDs to achieve your financial goals

interest rates

Cumulative Fixed Deposit

With a Cumulative Fixed Deposit, interest remains within the account, compounding with the principal throughout the term. Rather than receiving periodic interest payments, investors collect the full amount at maturity comprising both the initial investment and accumulated compound interest. Cumulative FDs are ideal for individuals seeking to build wealth over time without requiring interim income.

achievement

Non-Cumulative Fixed Deposit

Non-Cumulative Fixed Deposits provide regular interest payouts monthly, quarterly or annually. Operating on simple interest principles, these deposits offer greater flexibility for those needing consistent income. They're particularly suitable for investors who need to cover regular 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.

Also, our FDs can be used for various other financial goals

  • 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

Being aware of the fixed deposit features and benefits can help you plan your investments better. Here is a concise list of the main features and benefits of our fixed deposit

Flex Tenure
Compounding benefitsCompounding benefits
Attractive Interest
Predictable returnsPredictable returns
Compounding Benefit
Low minimum investment amountLow minimum investment amount
Static Alt Text
Attractive interest ratesAttractive interest rates
Predictable Return
Flexible tenureFlexible tenure
Cumulative
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
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 Namchi

The FD rates in Namchi differ across banks and financial institutions. By comparing available rates, you can potentially maximise your returns. These rates typically vary depending on the investment duration and the type of institution. 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: 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 Namchi

To open a fixed deposit account with Shriram Finance, you'll need to meet specific eligibility requirements. Generally, the following criteria must be fulfilled when applying for an FD

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

How to Invest in Fixed Deposit with Shriram in Namchi

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You may apply for an FD account online or visit your nearest branch. Ensure you have all required documents prepared to prevent delays. The following steps outline how to invest in an 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 Namchi?

Upon your fixed deposit reaching maturity, you can renew your Shriram FD in Namchi to continue enjoying the benefits. This renewal can be completed online, through our mobile application or by visiting any of our branches. The steps for renewing your FD online are outlined below

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 Namchi

Our FD branches in Namchi feature experts ready to help you open fixed deposit accounts or manage existing Unnati Fixed Deposit Schemes. Branch locations include

Gangtok

  • Second Floor, Adampool Rumtek Road, Near Tata Showroom, Gangtok,Sikkim Pincode 737102 Phone18001036369

Singtam

  • Manju Prasad Building, 2nd Floor, Singtam Bazar, Above IDBI Bank, Dikchu Road SINGTAM,SIKKIM Pincode 737134 Phone18001034959

Jorethang

  • First Floor, Jorethang Bazar, Nayabazar, Forest Block, Beside RTO & Police Station, Jorethang WEST SIKKIM,SIKKIM Pincode 737121 Phone18001036369
View All Branches

Shriram FD Customer Care in Namchi

If you require any assistance regarding your FD, our dedicated Fixed Deposit Customer Care team remains available to provide support. Please contact us for immediate assistance and expert answers to any queries related to your investment. The complete contact information is detailed below

Toll Free

Shriram FD Status in Namchi

To conveniently check your Fixed Deposit status in Namchi, you may utilise our user-friendly digital services or reach out directly to our responsive customer service team. Staying informed about your deposit's maturity timeline and scheduled interest payments is always advantageous for effective financial planning.

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 namchi?

Shriram Finance allows you to begin a fixed deposit by investing a minimum of Rs.5000. Any further investment must be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in namchi?

The interest rate on FD in namchi 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 namchi?

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

Yes, you can withdraw an FD early in Namchi. However, this might result in a penalty or reduced interest. It is wise to check the specific terms first.

Can I open a Fixed Deposit in namchi 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 namchi?

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

Can I open multiple Fixed Deposits in namchi?

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

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

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 namchi?

Yes, joint fixed deposits are allowed in Namchi, but they are subject to the terms and conditions of the provider.

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

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 namchi?

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 namchi?

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 namchi?

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.