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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 Papum Pare

A fixed deposit is a savings option where you deposit a lump sum amount for a fixed period and earn interest on it. It is a popular choice for those who want to grow their money steadily without market-linked risks. With a Fixed Deposit in Papum Pare, individuals are increasingly opting for safer and more stable investment avenues. Shriram Finance offers fixed deposits with multiple advantages. From competitive interest rates to flexible tenure options, it caters to the needs of both salaried individuals and small business owners. The interest earned is predictable and secure, making it suitable for people who prefer long-term financial stability over short-term gains. Shriram Fixed Deposit also offers the convenience of minimal paperwork and reliable customer support. Whether you're planning for future expenses or simply want your savings to grow without risk, this FD can fit into your financial plans with ease. Open an FD in Papum Pare with Shriram Finance and take a steady step towards financial growth.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

In a Cumulative Fixed Deposit, interest is accumulated and paid only at the time of maturity, as it is added to the principal. This compounding process helps your deposit grow over time. Upon maturity, you will receive the total amount, which includes both your initial deposit and the interest earned. This type of FD is ideal for individuals with long-term financial goals who do not require periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit pays interest at regular intervals, making it suitable for individuals who need a steady income stream. The interest is calculated on a simple interest basis and can be received monthly, quarterly, or annually. This type of FD offers better liquidity compared to a cumulative FD and is a good option for those with ongoing financial needs.

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 life milestones

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

The FD interest rate of 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 Non-Cumulative Fixed Deposit pays out interest at regular intervals.

Shriram Fixed Deposit Features and Benefits

Understanding the fixed deposit features and benefits helps you plan your finances more effectively. Below is a quick summary of the main features and benefits of an FD

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

Shriram Fixed Deposit Interest Rates in Papum Pare

The FD rates in Papum Pare may vary depending on the bank or financial institution. Comparing these rates can help you choose an FD that offers better returns. The rates are generally influenced by the term length and the institution you choose. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. Get interest rate of up to 8.15%* p.a. inclusive of 0.50%* 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 Papum Pare

There are specific fixed deposit eligibility rules that must be met to open an FD account in Papum Pare. These usually include the following

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

How to Invest in Fixed Deposit with Shriram in Papum Pare

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can easily apply for a fixed deposit either online or by visiting a nearby branch. Having all the necessary documents ready will make the application process smoother. Here’s a simple outline of the steps to apply for 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 Papum Pare?

Before your fixed deposit matures, you can renew your Shriram FD in Papum Pare to continue enjoying its benefits. You can complete the renewal process online through the website or mobile app or by visiting a branch. Below are the general steps to renew 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 Papum Pare

You can visit our FD branches in Papum Pare for assistance with any fixed deposit-related queries. Our team will be happy to help you open fixed deposit accounts or manage existing Unnati FD schemes. See the list of branches in Papum Pare below

Shillong

  • 1st Floor, Main Road, Lumbasuk, Lawjynriew, Shillong NONGTHYMMAI,MEGHALAYA Pincode: 793014 Phone:18001034959

Guwahati - I (Chandmari)

  • Senapati Commercial, 2nd Floor, Mani Ram Dewan Road, Near Abishek Motors, Silpukhuri GUWAHATI,ASSAM Pincode: 781003 Phone:18001036369

Dhemaji

  • 1st Floor, Dhemaji Main Town, Chariali Axis Bank Building DHEMAJI,ASSAM Pincode: 787057 Phone:18001036369
View All Branches

Shriram FD Customer Care in Papum Pare

If you need any support with your FD, our Fixed Deposit Customer Care team is available to assist you. Contact us using the details provided below for any questions or requests

Toll Free

Shriram FD Status in Papum Pare

To check the status of your Shriram Fixed Deposit in Papum Pare, simply log into our online portal or reach out to customer care. Regularly monitoring your FD status helps you stay updated on interest earnings and maturity details.

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 Papum Pare?

To start Shriram Fixed Deposit in Papum Pare, you need to invest at least Rs.5,000. Any additional contributions should be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Papum Pare?

The current FD interest rate offered in Papum Pare 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 Papum Pare?

Yes, Shriram Finance allows you to open an FD account online in Papum Pare. The steps are simple: 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 Papum Pare?

Yes, you can withdraw your FD before maturity. However, early withdrawal may lead to reduced interest earnings or applicable penalties.

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

Yes, it’s possible to open a fixed deposit account for a minor. A guardian must provide consent and manage the account on the minor's behalf.

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

Yes, withdrawing an FD before its maturity usually comes with a penalty. This is typically reflected in a lower interest rate.

Can I change the nominee for my Fixed Deposit in Papum Pare?

Yes, you can update the nominee details on your FD. You’ll need to submit a request form along with ID proof of the new nominee.

Can I open multiple Fixed Deposits in Papum Pare?

Yes, you may hold more than one FD, either with the same institution or across different financial providers.

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

There’s generally no upper limit on how much you can invest in a fixed deposit. However, some schemes may have specific caps.

Can I open a Fixed Deposit in a joint account in Papum Pare?

Yes, joint FD accounts are allowed in Papum Pare, based on the terms and conditions of the financial institution.

Are there any fixed deposit schemes for senior citizens in Papum Pare?

Yes, many institutions offer special schemes for senior citizens. Shriram provides an extra 0.50%* p.a. over the standard FD rate for senior depositors.

What is the difference between FD interest rates for regular and senior citizens in Papum Pare?

Senior citizens are offered an additional 0.50%* p.a. on fixed deposit interest by Shriram Finance, compared to regular deposit holders.

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

Yes, FD interest rates vary based on the chosen tenure. Generally, longer durations provide higher returns.

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

To close your Shriram Fixed Deposit early, you must provide the original FD receipt, a Rs.1 revenue stamp, a written request, and a cancelled cheque. As per the guidelines of Reserve Bank of India (RBI), premature closure isn’t allowed within three months of opening or renewal, unless the account holder has passed away.

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.