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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 Patna

For many in Patna, saving money is not just about setting it aside, it’s about making it grow with time. A Fixed Deposit in Patna offers a straightforward way to earn returns over a fixed period, making it a useful option for those planning for future goals. This guide provides a clear understanding of how an FD in Patna with Shriram Finance can support your savings journey. It covers the key features, available tenures, and interest payout options to consider. Whether you are new to fixed deposits or reviewing your investment choices, this guide will help you make confident and informed financial decisions.

Types of Fixed Deposits

Shriram Finance in Patna offers two fixed deposit options that cater to different financial needs.

interest rates

Cumulative Fixed Deposit

This type of investment does not provide regular interest payouts. Instead, the interest earned is added back to your principal amount, creating a compounding effect. Over time, your money grows faster as interest is earned on both the original deposit and the accumulated interest. When the deposit matures, you receive the entire amount together, your initial investment plus all the interest earned. Cumulative FDs are suitable for those looking for long-term growth without needing regular income, as they use compound interest to increase returns over time.

achievement

Non-Cumulative Fixed Deposit

This option pays interest at fixed intervals, such as monthly, quarterly, or annually, providing a steady income stream. The interest is calculated using simple interest methods. Non-cumulative FDs offer predictable returns and better access to your funds compared to cumulative deposits, making them a good choice for managing 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

  • Fixed Deposit for Children
  • FD for Wedding Expenses
  • 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

Fixed deposits in Patna provide a structured way to save and grow your money. Understanding their features and benefits allows you to choose the most suitable option for your financial goals. Some of their main features are outlined below to assist with your decision.

Flex Tenure
Flexible tenureFlexible tenure
Attractive Interest
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors
Compounding Benefit
Predictable returnsPredictable returns
Static Alt Text
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
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 Patna

FD rates in Patna are influenced by the bank and the duration of the deposit. Since interest rates differ, evaluating available options is beneficial. Based on your preference, you may select periodic interest payments or allow the amount to grow. A well-chosen fixed deposit scheme can support your financial aspirations. 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

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 Patna

You should verify your eligibility before opening a fixed deposit account in Patna. Usually, these categories are allowed to open an FD, so reviewing the specific requirements of the institution is necessary to ensure you qualify.

  • IndividualEligibility Criteria
    • Companies
    • Partnership Firm
    • 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 Patna

In Patna, Shriram Finance provides the Shriram Unnati Fixed Deposit with options to apply online or through branches. This fixed deposit includes flexible durations and practical interest rates. To simplify the process, have your documents prepared. Below are the steps to open your 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 Patna?

At the end of the deposit tenure, you may opt to renew your Shriram FD in Patna and keep benefiting from the fixed deposit features. You can renew it online through the website or app, or by visiting a branch. The steps below explain how to renew your FD 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 Patna

At FD branches in Patna, Shriram Finance offers services to open fixed deposits or resolve account-related concerns. Assistance is available for renewals, applications, and other needs. A visit to our branch helps you learn about various fixed deposit features.

Patna

  • Luv Kush Towers Complex, Room No. 502, Exhibition Road PATNA, BIHAR Pincode800001 Phone18001034959

Patna - I

  • 2nd Floor Jakariyapur Bypass Road P.O.-Purbi Lakshmi Nagar P.S.- Ramkrishna Nagar Jaganpura Near Krishna Niketan School PATNA, BIHAR Pincode800027 Phone18001034959

Patna - II

  • 2nd & 3rd Floor, Pragati Complex, Behind Reserve Bank of India, Salimpur Ahra, Exhibition Road PATNA, BIHAR Pincode800001 Phone18001034959
View All Branches

Shriram FD Customer Care in Patna

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 Patna

An FD returns calculator helps you calculate your potential earnings for FD returns. Simply input details like the deposit amount, interest rate, and duration to get an estimate of your returns, simplifying your fixed deposit planning process.

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Patna?

The interest rate on FD in Patna 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 Patna?

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

Yes, premature withdrawal of a fixed deposit usually incurs a penalty, which typically involves a reduction in the applicable interest rate.

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

Yes, with Shriram Fixed Deposit, you can open a fixed deposit account for a minor as long as the guardian provides their consent.

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

Yes, premature withdrawal of a fixed deposit usually results in a penalty that reduces the applicable interest rate on the deposit.

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

Yes, you can update the nominee for your FD account in Patna by submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Patna?

Yes, opening multiple fixed deposits is permitted both within one financial institution and across several institutions.

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

There is usually no upper limit on fixed deposits unless specified under particular schemes offered by financial institutions.

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

Yes, you can open a fixed deposit account in a joint account in Patna subject to the financial institutions terms and conditions.

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

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 Patna?

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 Patna?

Yes, FD interest rates can vary depending on the tenure. Longer tenures generally provide different rates compared to shorter ones due to the duration of commitment.

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

To close a Shriram Fixed Deposit prematurely, you need to submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, premature closure is not permitted within three months of deposit/renewal unless it is 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.