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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 Pune

Investing in fixed deposits is a straightforward way to earn predictable returns while maintaining flexibility in your financial planning. In Pune, Fixed Deposit in Pune provides a dependable way to grow your savings with tailored tenure options and competitive interest rates. Fixed deposits are ideal for individuals looking for steady earnings without the complexities of market-linked investments. This guide will explain how FD in Pune can be a valuable addition to your financial portfolio, helping you plan for both immediate needs and long-term aspirations.

Types of Fixed Deposits

Shriram Finance offers fixed deposit options in Pune that are meant to support different savings goals.

interest rates

Cumulative Fixed Deposit

A cumulative fixed deposit means the interest earned is added to the principal and reinvested. There are no periodic payouts during the term. This causes the deposit to grow gradually, giving you the total amount at maturity. It is suitable if you do not need a regular income and are planning for long-term savings.

achievement

Non-Cumulative Fixed Deposit

A non-cumulative fixed deposit gives you interest payouts monthly, quarterly, or yearly. These payments can help cover routine spending or support other financial needs. The interest is calculated using a simple method and is paid on time. This deposit type suits those who want fixed returns at intervals. Both types of fixed deposits are designed to be practical and helpful. You can choose the one that works better for your needs either regular earnings or growing your savings.

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

Understanding the features and benefits of fixed deposits is essential for making thoughtful investment decisions in Pune. Here are the notable features and benefits of FD

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

Shriram Fixed Deposit Interest Rates in Pune

FD rates in Pune vary among banks and financial institutions, influenced by factors like the tenure of the deposit and the type of institution offering it. Comparing these rates is essential for identifying options that suit your financial objectives. By evaluating current offerings, you can select a fixed deposit that meets your requirements, whether you are seeking regular payouts or long-term savings growth. 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 Pune

Before opening a fixed deposit account in Pune, you need to meet specific eligibility criteria for fixed deposits. Typically, these criteria are as follows for fixed deposits

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

How to Invest in Fixed Deposit with Shriram in Pune

Shriram Finance provides flexible tenure options and competitive interest rates for its Shriram Unnati Fixed Deposit. In Pune, you can choose to open an account online or visit a branch for assistance. Ensure that all required documents are ready to make the application process easy. The steps below outline how to invest in 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 Pune?

When your fixed deposit reaches maturity, you can renew your Shriram FD in Pune to extend its benefits further. The renewal process is straightforward and can be done online through the website or mobile app, or by visiting a branch. Below are the general steps for 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 Pune

Shriram Finance provides services through FD branches in Pune to address your fixed deposit needs. The staff at these locations are equipped to assist you with opening fixed deposits or managing your Shriram Unnati Fixed Deposit accounts. Below is a list of Shriram Finance branches in Pune

Kamshet

  • 1st Floor, Navghane Complex, Old Mumbai-Pune Highway, Ganeshwadi, Kamshet, Taluka - Maval PUNE,MAHARASHTRA Pincode 410405 Phone18001036369

Pune - II

  • 107, Ajinkyatara Building, 1st Floor, Ganesh Mala, Near Hotel Sawai PUNE,MAHARASHTRA Pincode 411030 Phone18001034959

Wakad

  • Office No. 204, 2nd Floor, Sanskruti House, above Royal Enfield Showroom, Wakad PUNE,MAHARASHTRA Pincode 411057 Phone18001034959
View All Branches

Shriram FD Customer Care in Pune

For any queries or assistance regarding your fixed deposit account, our Fixed Deposit Customer Care team is available to help. You can reach out via phone for prompt support regarding your investments. Below are our customer care numbers:

Toll Free

Shriram FD Status in Pune

For individuals with a Shriram Fixed Deposit in Pune, checking the status is simple using online services or by contacting customer care. This helps you stay informed about maturity dates and interest earnings, ensuring you can plan your financial goals effectively.

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 Pune?

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

What is the interest rate on Fixed Deposits in Pune?

The interest rate on FD in Pune 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 Pune?

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

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 Pune in the name of a minor?

Yes, you can open a fixed deposit account in the name of a minor with the consent of a guardian under the Shriram Fixed Deposit scheme in Pune.

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

Yes, withdrawing your fixed deposit before its maturity date generally involves a penalty, often through reduced interest rates.

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

Yes, you can update your FD account’s nominee by completing a request form and providing valid identification details for the new nominee.

Can I open multiple Fixed Deposits in Pune?

Yes, you can hold multiple fixed deposits either at one financial institution or spread across different ones.

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

Fixed deposits generally do not have an upper limit unless specific schemes impose restrictions set by financial institutions.

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

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

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

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 Pune?

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 Pune?

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 Pune?

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.