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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 Puducherry

Puducherry, known for its calm lifestyle and growing financial awareness, offers several ways to plan your savings effectively. Among these, a Fixed Deposit in Puducherry is a preferred choice for those seeking consistent returns over a fixed period. It helps bring structure and clarity to your financial planning. This guide explains how to open an FD in Puducherry with Shriram Finance. You’ll learn about available tenures, interest payout options, and key factors to consider before investing. Whether you're saving for short-term needs or long-term goals, this guide will help you make well-informed financial decisions.

Types of Fixed Deposits

Explore these fixed deposit options to help meet your financial goals

interest rates

Cumulative Fixed Deposit

This investment does not provide regular interest payouts. Instead, the interest earned is added to your principal amount, creating a compounding effect. Your money grows faster over time as interest is earned on both the original deposit and accumulated interest. At maturity, you receive the total sum your initial deposit plus all the interest earned. Cumulative FDs are suitable for those aiming for long-term growth without needing regular income, as they benefit from compound interest to increase returns.

achievement

Non-Cumulative Fixed Deposit

This option pays interest at regular intervals, such as monthly, quarterly, or yearly. Interest is calculated using simple interest methods. Non-cumulative FDs provide steady returns and better liquidity compared to cumulative deposits, making them ideal for meeting 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 Retirement Fund
  • 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

Fixed deposits in Puducherry provide a dependable way to grow your savings steadily over time. Knowing their features and benefits helps you select an option that matches your financial requirements. Below are some key highlights to guide your decision.

Flex Tenure
Compounding benefitsCompounding benefits
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
Flexible tenureFlexible tenure
Cumulative
Low minimum investment amountLow minimum investment amount
Low Investment
Attractive interest ratesAttractive interest rates

Shriram Fixed Deposit Interest Rates in Puducherry

FD rates in Puducherry depend on factors like the bank and deposit tenure. As interest rates differ, comparing plans can assist in making a choice. You may prefer periodic interest payments or reinvestment for growth. Choosing an appropriate fixed deposit option helps achieve long-term financial goals. 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 Puducherry

In Puducherry, banks set eligibility rules that influence FD rates. Proof of identity and address is required. Minors can invest with a guardian’s consent, and senior citizens may be offered specific benefits depending on the institution.

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

How to Invest in Fixed Deposit with Shriram in Puducherry

Shriram Finance offers the Shriram Unnati Fixed Deposit in Puducherry with options for applying online or at branches. The fixed deposit features flexible tenures and practical interest rates. To streamline the process, get your documents ready beforehand. 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 Puducherry?

Upon reaching maturity, you have the option to renew your Shriram FD in Puducherry and continue enjoying its features. You can complete the renewal process online using the website or app, or by visiting a nearby branch. Below are the steps to renewing 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 Puducherry

Shriram Finance operates through FD branches in Moradabad, offering services to open fixed deposits or manage account concerns. Assistance is available for renewals and applications. A visit to the branch provides details about various fixed deposit options.

Pondicherry III

  • 1st Floor,No.114,Kamarajar Salai Near Balaji Theatre Pondicherry bazaar PUDUCHERRY,PUDUCHERRY Pincode 605011 Phone18001034959

Kalapet

  • No 6, 1st Floor, Gandhi Nagar, ECR Road, Periya Kalapet PUDUCHERRY,PUDUCHERRY Pincode 605014 Phone18001036369

Pondicherry

  • No. 106, Villianur Main Road, Reddiyarpalayam PUDUCHERRY,PUDUCHERRY Pincode 605010 Phone18001034959
View All Branches

Shriram FD Customer Care in Puducherry

If you require assistance with your FD account, the Fixed Deposit Customer Care team is here to help. Those in Puducherry can reach out using the contact details shared below to resolve their queries or issues.

Toll Free

Shriram FD Status in Puducherry

Track your FD deposit in Puducherry through the online portal or by contacting customer care. These services offer access to interest rate details and maturity updates, helping you stay updated on your deposit’s progress and plan accordingly.

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 Puducherry?

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

What is the interest rate on Fixed Deposits in Puducherry?

The interest rate on FD in Puducherry 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 Puducherry?

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

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 Puducherry 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 Puducherry?

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

Can I open multiple Fixed Deposits in Puducherry?

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 Puducherry?

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

Yes, you can open a fixed deposit account in a joint account in Puducherry subject to the financial institution’s terms and conditions.

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

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

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 Puducherry?

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 Puducherry?

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 Puducherry?

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.