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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 Pathankot

A fixed deposit is a low-risk investment that lets you earn interest by locking in a specific amount for a chosen duration. It’s not linked to market movements, so your returns remain unaffected by economic shifts. In Pathankot, many people prefer fixed deposits to maintain financial stability and plan for long-term goals. It’s a trusted option among professionals, families, and retirees alike. For those planning to start a Fixed Deposit in Pathankot, Shriram Finance provides an ideal platform. Shriram Fixed Deposit comes with flexible tenure options, attractive interest rates, and special benefits for senior citizens and women investors. The process to start an FD is straightforward and doesn’t take much time. You only need basic documents to begin. If customer-centric features and consistent returns matter to you, consider starting your FD in Pathankot with Shriram Finance today.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit is a term deposit where interest accumulated isn't distributed regularly but instead reinvested with the principal. This mechanism allows the principal amount to increase, amplifying overall returns through compounding. When the term concludes, depositors receive a single payment comprising both the initial investment and the compounded interest. Cumulative FDs are well-suited for those seeking long-term wealth accumulation without requiring periodic income, leveraging compound interest to maximise earnings.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest at scheduled intervals, providing a reliable income stream. It's perfectly suited for people who depend on regular payouts. Interest calculations follow simple interest principles and may be paid monthly, quarterly or annually. This arrangement guarantees steady returns and presents greater liquidity than cumulative FDs, making it suitable for handling day-to-day 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

Understanding the fixed deposit features and benefits is crucial for selecting appropriate investment options. The following are the primary characteristics and advantages of FD

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

Shriram Fixed Deposit Interest Rates in Pathankot

The FD rates in Pathankot vary significantly amongst banks and financial institutions. Evaluating these rates is vital to maximise your investment returns. Generally, interest rates are determined by variables such as the deposit's tenure and the organisation offering the FD. 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: 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

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I am a Woman

STEP 03

Investment amount

₹

STEP 04

Tenure up to

months

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 Pathankot

Before opening a fixed deposit, you must satisfy certain fixed deposit eligibility criteria in Pathankot. The standard requirements for opening an FD account are as follows

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

How to Invest in Fixed Deposit with Shriram in Pathankot

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You have the option to create a fixed deposit either through online channels or by visiting a local branch. Ensure all necessary paperwork is prepared to facilitate a seamless process. Typically, the following steps describe 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 Pathankot?

Upon your FD reaching maturity, you might wish to renew your Shriram FD in Pathankot to continue enjoying the advantages. Access our website/mobile application or branches to extend your fixed deposit. The general procedure for online FD renewal involves these 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 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 Pathankot

Shriram Finance maintains dedicated FD branches in Pathankot to address your fixed deposit requirements. These locations are staffed with experts who can provide guidance on how to open fixed deposit accounts or handle your current Unnati Fixed Deposit Scheme. Here is a list of our branches in Pathankot

Pathankot

  • First Floor, Aashirbad Complex, Dhangu Road PATHANKOT, PUNJAB Pincode145001 Phone18001034959

Pathankot - I

  • 1st Floor, Dhangu Road, Opp.Venice Hotel PATHANKOT, PUNJAB Pincode145001 Phone18001034959

Patran - Sangrur

  • No X342, 1st Floor, Jakhal Road, Near Bus Stand PATRAN, PUNJAB Pincode147105 Phone18001034959
View All Branches

Shriram FD Customer Care in Pathankot

If you need assistance or have questions regarding your fixed deposit, our Fixed Deposit Customer Care team stands ready to help. You may call us for prompt answers concerning your investment. Our customer service contact numbers are listed below

Toll Free

Shriram FD Status in Pathankot

To check your Shriram Fixed Deposit status in Pathankot, utilise our online services or reach out to customer support. Keeping track of your FD status ensures you remain informed about maturity dates and interest earned.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore

Fixed Deposit FAQs

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

The minimum amount needed to establish a fixed deposit with Shriram Finance in Pathankot is Rs.5000. Further deposits must be made in increments of Rs.1,000.

What is the interest rate on Fixed Deposits in pathankot?

The interest rate on FD in pathankot 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 pathankot?

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

Yes, early withdrawal of a fixed deposit is permitted in Pathankot; however, this might incur penalties or reduced interest rates. It is advisable to verify the applicable conditions beforehand.

Can I open a Fixed Deposit in pathankot 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 pathankot?

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

Can I open multiple Fixed Deposits in pathankot?

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

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

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 pathankot?

Yes, joint fixed deposits are acceptable in Pathankot, subject to the particular terms and conditions of the financial organisation.

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

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 pathankot?

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 pathankot?

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 pathankot?

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.