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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 Purina

A Fixed Deposit in Purnia enables systematic savings growth through disciplined investment, helping transform regular contributions into meaningful wealth. The FD in Purnia offers clarity through well-defined terms that facilitate confident financial planning. This comprehensive guide examines key aspects of fixed deposit offerings, from interest rates to withdrawal conditions, empowering you to make informed choices that balance current financial responsibilities with future aspirations.

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 functions through interest retention rather than distribution, with earnings systematically added to your principal sum. This creates an expanding compounding mechanism that accelerates your wealth growth, producing returns on both your initial investment and previously accumulated interest. When your deposit matures, you receive the comprehensive amount comprising your original deposit plus all compounded earnings. This approach particularly advantages investors seeking significant long-term capital appreciation without needing periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit enables interest payouts at scheduled intervals, establishing a dependable income flow. These payments, calculated using simple interest methodology, can be arranged monthly, quarterly, or annually based on your preferences. This structure provides consistent returns and greater liquidity compared to cumulative options, especially beneficial for those managing recurring expenses.

retirement

Fixed Deposit for NRI

Non-Resident Indians with connections to Purnia maintain investment access through authorised physical banking locations throughout India.

Life assured income

FD for Monthly Income

This strategically designed format ensures Purnia depositors receive interest disbursements every month, facilitating systematic financial planning and expense management.

cash

Fixed Deposit for Women

Female investors in Purnia enjoy preferential conditions with an enhanced interest rate of 0.05%* p.a. above standard offerings.

coin

Fixed Deposit for Senior Citizens

This thoughtfully crafted deposit category offers elderly residents of Purnia a substantial interest premium of 0.50%* p.a. beyond regular rates.

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

  • Fixed Deposit for Children
  • FD for Retirement Fund
  • FD for Wedding Expenses
  • 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 significant benefits and attributes of fixed deposits aids in formulating effective financial plans. The key aspects of FD include

Flex Tenure
Flexible tenure Flexible tenure
Attractive Interest
Attractive interest ratesAttractive interest rates
Compounding Benefit
Compounding benefits Compounding 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
Predictable returnsPredictable returns
Low Investment
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Shriram Fixed Deposit Interest Rates in Purina

FD rates in Purnia reveal meaningful distinctions between various banks and non-banking financial companies. Informed investors systematically compare numerous possibilities prior to allocating their capital. The interest you earn generally correlates with factors including your selected investment duration and the particular financial organisation managing 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.

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 Purina

Creating a Shriram Fixed Deposit in Purnia requires compliance with specified eligibility standards. The groups permitted to establish fixed deposits in Purnia encompass

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

How to Invest in Fixed Deposit with Shriram in Purina

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Creating a fixed deposit is straightforward whether you select online options or elect to visit a Purnia branch in person to present your documentation. Assemble all necessary identity and address verification materials in advance for a seamless application journey. Generally, these organised steps permit you to establish an FD using electronic services.

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

    Complete the payment online and add nominee details.

  • Step 5

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Purina?

At maturity of your fixed deposit, examining the advantages of renewing your Shriram FD in Purina might help advance your financial goals. Review details on our website or visit a branch close to you to arrange your renewal. This guide outlines how to successfully complete your FD renewal through our online interface

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 Select the FD amount and tenure.
Review
Step 5 Review and confirm the terms of the renewed FD investment and confirm the renewal.
Confirm
Step 6 Once the renewal process is complete, a confirmation of the FD renewal will be sent to you.

Shriram Fixed Deposit Branches in Purina

To facilitate your fixed deposit objectives, Shriram Finance has carefully set up FD branches in Purina. These service-centric locations feature proficient financial advisors who offer specialised assistance on how to open fixed deposit accounts or monitor active Unnati Fixed Deposit Scheme portfolios. Below is a directory of Shriram Finance branches in Purina

Purnea

  • At 1st Floor, IDBI Bank, Navaratan Hata, NH 31, Near Ford Company Chowk PURNIA, BIHAR Pincode854301 Phone18001034959

Purnia - I

  • 2nd Floor, Bharat Tower, Jail Chowk, NH 31 PURNIA, BIHAR Pincode854301 Phone18001034959

Purnea - II

  • 2nd Floor, Vikash Nagar, P.O. Maranga, Landmark Near Mahalaxmi Petrol Pump PURNIA, BIHAR Pincode854301 Phone18001034959
View All Branches

Shriram FD Customer Care in Purina

For any concerns or if you require further information regarding your fixed deposit account, our dedicated Fixed Deposit Customer Care team in Purina is equipped to offer thorough assistance. Get in touch with our telephone helpline for prompt support with your investments. Our comprehensive customer service information is accessible as needed.

Toll Free

Shriram FD Status in Purina

To review your Shriram Fixed Deposit status in Purina, access our robust online portal or contact our specialised customer care team. Regular evaluation of your FD status helps you remain cognizant of nearing maturity timeframes and interest development.

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 Purina?

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

What is the interest rate on Fixed Deposits in Purina?

The interest rate on FD in Purina 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 Purina?

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

Yes, premature withdrawal of a fixed deposit is permissible in Purina; however, it may entail penalties or reduced interest rates. It is advisable to confirm the specific conditions before taking action.

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

Yes, you can set up a fixed deposit account in a minor's name with guardian approval with Shriram Fixed Deposit.

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

Yes, there is typically a penalty for premature withdrawal of a fixed deposit. This penalty often involves a decrease in the interest rates that would otherwise be applicable to the deposit.

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

Yes, you can modify the nominee for your FD account in Purina. This procedure commonly requires submitting a request document along with valid identification information of the new nominee.

Can I open multiple Fixed Deposits in Purina?

Yes, you can establish multiple fixed deposits in Purina with different financial entities or within the same financial service provider.

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

Typically, there is no maximum threshold; however, some financial institutions may have certain schemes with specified limitations.

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

Yes, you can create a fixed deposit account in a joint account in Purina as per the financial institution's terms and regulations.

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

Yes, several financial institutions provide elevated fixed deposit interest rates for senior citizens compared to regular deposits. For example, Shriram Finance offers 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 Purina?

Shriram Finance grants an extra 0.50%* p.a. interest rate for senior citizens in contrast to regular depositors.

Is there a difference between FD interest rates for different tenures in Purina?

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

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

To prematurely close a Shriram FD, present the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, a deposit receipt cannot be prematurely closed before three months from the deposit/renewal date 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.