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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 Noida

Planning for the future often begins with the right savings decision. In a fast-developing city like Noida, a Fixed Deposit in Noida has become a preferred option for individuals aiming to grow their savings over a fixed term without frequent market involvement. This guide offers useful insights into how an FD in Noida with Shriram Finance can align with your financial objectives. It walks you through available tenures, interest payout choices, and things to keep in mind before investing. Whether you are saving for a specific goal or simply want your money to grow steadily, this guide will help you take informed steps towards building a stronger financial foundation.

Types of Fixed Deposits

Examine these fixed deposit varieties to help achieve your financial aims

interest rates

Cumulative Fixed Deposit

This savings method doesn't offer regular interest payouts. Instead, the interest earned is reinvested with your initial deposit. This creates a compounding effect, allowing your money to grow more rapidly over time. Interest accumulates on both your original amount and previously earned interest. Upon maturity, you receive the entire sum - your initial deposit plus all accrued interest. Cumulative FDs are well-suited to those aiming for long-term growth without requiring regular income, as they utilise compound interest to enhance returns.

achievement

Non-Cumulative Fixed Deposit

This type provides interest at set intervals, offering a consistent income stream. Your earnings are calculated using simple interest methods and can be paid monthly, quarterly, or annually. This option delivers predictable returns and improved access to your funds compared to cumulative deposits, making it appropriate for covering 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.

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

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

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

In Noida, knowing the features and advantages of fixed deposits can help you make smarter saving choices. Fixed deposits offer a straightforward method for growing savings over a set period. Comparing different plans allows you to select one that matches your financial objectives. Below are some main benefits of fixed deposits to guide your decisions.

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

Shriram Fixed Deposit Interest Rates in Noida

FD rates in Noida vary according to the financial institution and investment tenure. Each provider has its own set of interest rates, making it advantageous to compare them. Whether you need periodic interest payments or prefer to let your money grow, selecting a fixed deposit that matches your savings plan can contribute to better financial decision-making. Always ensure your deposit choice corresponds with your financial goals for more effective money management. Consider factors such as lock-in period and interest calculation methods. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. GGet 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: 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

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Investment amount

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STEP 04

Tenure up to

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Min 12 months

Max 60 months

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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 Noida

Eligibility conditions must be met before opening a fixed deposit in Noida. Financial institutions typically outline the basic requirements for creating a fixed deposit account. These criteria are commonly applicable to various providers.

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

How to Invest in Fixed Deposit with Shriram in Noida

Shriram Finance offers the Shriram Unnati Fixed Deposit in Noida, which can be opened online or at a branch. This deposit provides flexible tenures and suitable interest rates. Ensure your documents are prepared for a hassle-free experience. Below are the steps to guide you through opening a Shriram Unnati Fixed Deposit 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 Noida?

Once your deposit matures, you have the option to renew your Shriram FD in Noida and continue enjoying fixed deposit returns. The renewal process can be done online through the website or app, or by visiting a nearby branch. Below are the steps to guide you through renewing your fixed deposit online.

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 Noida

Shriram Finance provides FD branches in Noida where you can manage or open fixed deposits. Trained staff assist with account opening, renewals, and other queries. Visiting a branch helps you choose a fixed deposit that matches your financial requirements.

Noida

  • Plot No.8/3, Upper Ground, J.S. Plaza Tugalpur Road, near to Pari Chowk, Metro Knowledge Park-1, Greater Noida, Tugalpur NOIDA, UTTAR PRADESH Pincode201308 Phone18001034959

Noida II

  • First Floor, E - 46, Sector - 3 NOIDA, UTTAR PRADESH Pincode201301 Phone18001034959

Noida III

  • 414, Ocean Complex, Sector 18 NOIDA, UTTAR PRADESH Pincode201301 Phone18001034959
View All Branches

Shriram FD Customer Care in Noida

For any queries or support related to your fixed deposit account, our Fixed Deposit Customer Care team is here to assist you. You can reach us by phone for prompt help with your investments. Below are the customer care contact numbers

Toll Free

Shriram FD Status in Noida

You can keep track of your fixed deposit in Noida by using the online portal or contacting customer care. These services provide access to interest earnings and maturity details, helping you manage and review your deposit effectively.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Noida?

The interest rate on FD in Noida 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 Noida?

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

Yes, you can withdraw a fixed deposit before its maturity in Noida; however, this may involve a penalty, typically resulting in a reduced interest rate.

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

Yes, opening a fixed deposit account for a minor in Noida is possible with Shriram Finance, provided the guardian consents and submits the necessary documents.

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

Yes, withdrawing a fixed deposit before maturity in Noida usually incurs a penalty, often leading to a lower interest rate on the deposit.

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

Yes, you can update the nominee for your FD in Noida by submitting a formal request along with valid identification for the new nominee.

Can I open multiple Fixed Deposits in Noida?

Yes, you are allowed to open multiple fixed deposits in Noida, either within the same financial institution or across different ones.

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

Generally, there is no upper limit on the amount you can invest in a fixed deposit in Noida unless specified by particular schemes.

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

Yes, a fixed deposit can be opened jointly in Noida, subject to the terms and conditions of the financial institution.

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

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 Noida?

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 Noida?

Yes, in Noida, fixed deposit interest rates may vary based on the chosen tenure, with different durations attracting different rates.

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

To close your Shriram Fixed Deposit early in Noida, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI guidelines, premature closure within three months is not permitted unless due to 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.