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 Narmadapuram

A Fixed Deposit in Narmadapuram offers residents a reliable pathway to wealth accumulation combining deposit security with growth potential. The FD in Narmadapuram provides transparent structures that help investors proceed with financial assurance. This guide delivers crucial information about fixed deposits, spanning competitive interest offerings to liquidity arrangements, enabling you to craft financial strategies that support both immediate requirements and long-term financial aspirations in this culturally rich city.

Types of Fixed Deposits

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

Cumulative Fixed Deposit

A Cumulative Fixed Deposit keeps your interest earnings with your original deposit instead of paying them out. This creates compound growth as your interest starts earning its own interest. At the end of your deposit period, you get one large payment that includes both your initial investment and all accumulated interest. This type of FD is ideal for those looking for long-term growth who don't need regular income from their savings.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest payments at specific time intervals, giving you a regular flow of income. The interest uses simple interest calculations and can be distributed monthly, quarterly, or annually. This option delivers consistent earnings and better liquidity compared to cumulative FDs, making it appropriate for handling recurring financial needs.

Fixed Deposit for NRI

Non-Resident Indians have the opportunity to invest in FDs through physical banking channels in India.

FD for Senior Citizens

This specialised deposit type provides an additional interest rate of 0.50%* p.a. for older investors.

Fixed Deposit for Women

Female depositors get an extra 0.05%* p.a. interest rate advantage.

FD for Monthly Income

This setup allows for monthly interest disbursements to support regular expenses.

Furthermore, our FDs can facilitate various additional financial objectives

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

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

Making informed investment decisions requires a detailed understanding of the features and advantages that fixed deposits offer. Primary FD attributes consist of

Predictable returnsPredictable returns

Low minimum investment amountLow minimum investment amount

Attractive interest ratesAttractive interest rates

Flexible tenureFlexible tenure

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Compounding benefitsCompounding benefits

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

Shriram Fixed Deposit Interest Rates in Narmadapuram

FD rates in Narmadapuram present considerable diversity across the banking sector. Thoughtful savers consistently evaluate all feasible choices before committing their funds. Your potential earnings are usually determined by elements including your selected tenure and the specific organisation managing 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
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 Narmadapuram

Shriram Finance stipulates specific eligibility criteria for fixed deposit applications in Narmadapuram. The categories authorised to invest in fixed deposits in Narmadapuram consist of

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

How to Invest in Fixed Deposit with Shriram in Narmadapuram

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Commencing a fixed deposit is accessible through digital platforms or by making a trip to a Narmadapuram branch for application submission. Prepare all essential documents beforehand to ensure a smooth registration process. Generally, the following sequence shows how to invest in FD online

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 Narmadapuram?

Upon your FD's maturity, assessing the proposition to renew your Shriram FD in Narmadapuram might ensure ongoing investment benefits. Utilise our web services, smartphone application, or visit a branch representative to facilitate renewal. The below methodology explains how to renew your deposit via our online platform

Shriram Fixed Deposit Branches in Narmadapuram

Shriram Finance houses FD branches in Narmadapuram to support your fixed deposit goals. These client-oriented facilities are staffed with knowledgeable financial specialists who provide comprehensive guidance on how to open fixed deposit accounts or administer existing Unnati Fixed Deposit Scheme portfolios. Below is the list of Shriram Finance branches in Narmadapuram

Hoshangabad

Plot No.34/18, - 2nd Floor, Above N-Mart HOSHANGABAD,MADHYA PRADESH Pincode 461001 Phone18001036369

Babai

Ground Floor,H.No.211 Ward No.08,Hoshangabad Road Babai HOSHANGABAD,MADHYA PRADESH Pincode 461661 Phone18001036369

Bhopal Regional Office

2nd Floor, Shreeram Tower, Plot No.Z-7 Near Miracle, Hospital M.P. Nagar Zone-I, Ward No.44 BHOPAL,MADHYA PRADESH Pincode 462011 Phone18001036369

View All Branches

Shriram FD Customer Care in Narmadapuram

If inquiries develop or clarification is needed about your fixed deposit account, our specialised Fixed Deposit Customer Care representatives in Narmadapuram remain available to address your questions. Connect via phone for immediate guidance related to your investments. Our comprehensive customer care contact details are readily accessible for your convenience.

Toll Free

Shriram FD Status in Narmadapuram

For evaluating your Shriram Fixed Deposit status in Narmadapuram, harness our effective online facilities or communicate with our responsive customer advisory staff. Periodic verification of your FD status helps you remain updated regarding upcoming maturity milestones and interest developments.

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 Narmadapuram?

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

What is the interest rate on Fixed Deposits in Narmadapuram?

The interest rate on FD in Narmadapuram 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 Narmadapuram?

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

Yes, early access to a fixed deposit is available in Narmadapuram; however, this may trigger penalty charges or diminished interest earnings. It is prudent to review the specific terms before executing a withdrawal.

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

Yes, you can establish a fixed deposit account for a minor in Narmadapuram with guardian consent through Shriram Fixed Deposit.

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

Yes, penalties commonly apply for premature withdrawal of fixed deposits. Such penalties typically manifest as reduced interest rates on your deposit amount.

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

Yes, updating the nominee for your FD account in Narmadapuram is an available option. This process usually requires submitting a designated form along with valid identification documentation of the new nominee.

Can I open multiple Fixed Deposits in Narmadapuram?

Yes, you may create several fixed deposits in Narmadapuram, either with various financial institutions or within a single banking organisation.

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

Generally, there is no upper limit; however, particular financial institutions may implement specific maximum thresholds for certain deposit schemes.

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

Yes, establishing a fixed deposit through a joint account in Narmadapuram is feasible, depending on the financial institution's specific regulations.

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

Yes, numerous financial organisations offer premium fixed deposit interest rates for senior citizens compared to regular 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 Narmadapuram?

Shriram Finance offers senior citizens an enhanced interest rate of 0.50%* p.a. above the standard depositor rates in Narmadapuram.

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

Yes, FD interest rates vary according to tenure selection. Typically, longer investment periods may secure higher interest rates compared to shorter durations due to the extended commitment timeframe.

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

To prematurely terminate a Shriram FD in Narmadapuram, submit the original deposit receipt with a Rs.1 revenue stamp, a formal request letter, and a cancelled cheque. According to RBI guidelines, deposits cannot be closed before three months from the deposit/renewal date except in cases of depositor demise.

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