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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 Puri

Beyond its spiritual significance, Puri offers residents substantial opportunities for financial advancement. Exploring a Fixed Deposit in Puri provides locals with a steady investment alternative that combines financial security with consistent returns. The FD in Puri establishes clear parameters that facilitate effective financial planning. This guide delivers crucial information regarding fixed deposits, spanning from current interest offerings to premature withdrawal options, supporting you in crafting investment decisions that harmonise with immediate monetary requirements while advancing your extended financial journey.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit works through interest reinvestment rather than payout, with earnings systematically added to your principal. This creates a growing compounding mechanism that enhances your wealth accumulation, generating returns on both your initial investment and previously earned interest. At maturity, you receive the entire sum comprising your original deposit plus all compounded gains. This structure particularly suits those pursuing significant long-term capital appreciation without requiring regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides for interest distribution at specified intervals, establishing a consistent income flow. These disbursements, calculated using simple interest methodology, can be scheduled monthly, quarterly, or yearly according to your preference. This approach delivers steady returns and improved access to funds compared to cumulative options, especially benefiting those with recurring expense obligations.

retirement

Fixed Deposit for NRI

Non-Resident Indians retain investment opportunities through authorised physical banking facilities throughout India.

Life assured income

FD for Monthly Income

This carefully structured format ensures depositors receive interest payments every month, facilitating regular financial management.

cash

Fixed Deposit for Senior Citizens

This thoughtfully designed deposit category offers elderly investors a significant interest advantage of 0.50%* p.a.

coin

Fixed Deposit for Women

Female depositors enjoy favourable conditions with an enhanced interest rate of 0.05%* p.a. above standard offerings.

In addition, our FDs can support planning for important life events

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

Being well-informed about the significant features and advantages of fixed deposits leads to better investment choices. The core elements of FD incorporate

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

Shriram Fixed Deposit Interest Rates in Puri

FD rates in Puri present substantial variations across numerous banks and NBFCs. Discerning savers consistently review different possibilities before directing their funds. The yields you earn generally relate to factors including your selected investment timeframe and the specific financial organisation securing your deposit. 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

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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Puri

When applying for a Shriram Finance fixed deposit in Puri, individuals must comply with established eligibility standards. The entities qualified to commence fixed deposits in Puri encompass

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

How to Invest in Fixed Deposit with Shriram in Puri

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Beginning a fixed deposit is simple using digital services or by making a personal appearance at a Puri branch to provide your documents. Arrange all necessary identity verification and residence proof papers in advance for an efficient registration process. Typically, these methodical steps enable you to open an FD through online platforms.

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 Puri?

When your FD term concludes, exploring the advantages of choosing to renew your Shriram FD in Puri could further strengthen your financial foundation. Visit our website or contact a local branch to handle your renewal. These steps guide you through completing your FD renewal via our online channels

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 Puri

Shriram Finance has carefully arranged FD branches in Puri to accommodate your fixed deposit needs. These customer-dedicated offices include skilled financial consultants who deliver personalised direction on how to open fixed deposit accounts or supervise current Unnati Fixed Deposit Scheme investments. Below is the compilation of Shriram Finance branches in Puri

Puri

  • House of Biswa Ranjan Dash, 1st Floor, Near Atul Showroom, Atharanala, NH-203, P.O. Gopinathpur, P.S. Puri Sadar PURI, ODISHA Pincode752002 Phone18001034959

Puri-Bhubaneswar

  • Dada Math Lane, P.O. - Puri-2, P.S. Near Gundicha Temple, KumbharPada, Puri - Bhubaneswar PURI, ODISHA Pincode752002 Phone18001034959

Bhubaneswar

  • 2nd Floor, Gitanjali Complex, above State Bank of India, Lewis Road BHUBANESWAR, ODISHA Pincode751002 Phone18001036369
View All Branches

Shriram FD Customer Care in Puri

As questions surface or you need enhanced understanding of your fixed deposit account, our professional Fixed Deposit Customer Care team in Puri is available to provide in-depth explanations. Reach our phone assistance line for prompt guidance with your investments. Our detailed customer support contact details remain obtainable whenever necessary.

Toll Free

Shriram FD Status in Puri

To monitor your Shriram Fixed Deposit status in Puri, employ our efficient digital interface or contact our attentive customer support personnel. Regular review of your FD status ensures you remain knowledgeable about approaching maturity dates and interest developments.

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 Puri?

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

What is the interest rate on Fixed Deposits in Puri?

The interest rate on FD in Puri 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 Puri?

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

Yes, premature withdrawal of a fixed deposit is allowed in Puri; however, it may involve penalties or decreased interest rates. It is advisable to check the specific terms before proceeding.

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

Yes, you can start a fixed deposit account in a minor's name with guardian consent with Shriram Fixed Deposit.

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

Yes, penalties generally apply for premature withdrawal of a fixed deposit. This penalty typically involves a reduction in the applicable interest rates for the deposit.

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

Yes, you can update the nominee for your FD account in Puri. This procedure usually requires submitting a request form with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Puri?

Yes, you can establish multiple fixed deposits in Puri across different financial institutions or within the same financial organisation.

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

Generally, there is no maximum limit; however, some financial institutions may have specific schemes with defined limits.

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

Yes, you can create a fixed deposit account in a joint account in Puri according to the financial institution's terms and conditions.

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

Yes, many financial organisations offer preferential fixed deposit interest rates for senior citizens compared to standard deposits. For instance, Shriram Finance provides an 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 Puri?

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 Puri?

Yes, FD interest rates can vary based on tenure. Generally, longer tenures may provide higher interest rates compared to shorter ones due to the extended commitment period from the depositor.

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

To close a Shriram FD prematurely, present the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI directives, a deposit receipt cannot be prematurely closed within three months from the date of deposit/renewal except in case of 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.