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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 Raigarh

A Fixed Deposit in Raigarh allows residents to establish a structured savings approach with predictable returns. FD in Raigarh provide transparent guidelines that support informed investment decisions. This guide outlines key information about fixed deposits, from current interest rates to withdrawal provisions, empowering you to make choices that balance current financial requirements with long-term stability in this developing urban centre. Types of Fixed Deposits

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 implements an interest retention strategy where earnings continuously merge with your principal amount rather than being distributed. This creates an accelerating compounding mechanism that enhances your wealth growth, generating returns on both your initial investment and previously earned interest. At term completion, you collect the entire amount including your original deposit and all accumulated earnings. This approach particularly benefits investors focused on substantial long-term capital appreciation without requiring regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates regular interest distributions at predetermined intervals, establishing a reliable revenue stream. Calculated through simple interest principles, these payments can be scheduled monthly, quarterly, or yearly according to your needs. This arrangement provides predictable earnings and superior liquidity compared to cumulative options, especially supporting those with recurring financial obligations.

retirement

Fixed Deposit for Women

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

Life assured income

FD for Senior Citizens

This specially tailored deposit option provides elderly depositors with a significant interest advantage of 0.50%* p.a.

cash

FD for Monthly Income

This purposefully designed structure ensures monthly interest payments to depositors, supporting regular financial management.

coin

Fixed Deposit for NRI

Non-Resident Indians can participate in FD programs through authorised physical banking channels within India.

Our Fixed Deposits further support planning for significant life expenses

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

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

Discerning the main features and advantages of fixed deposits is essential for making rational investment selections. The key aspects of FD consist of

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

Shriram Fixed Deposit Interest Rates in Raigarh

FD rates in Raigarh show clear variations among different banks and NBFCs. Wise investors regularly review several alternatives before depositing their funds. Your returns typically change according to factors including your chosen maturity duration and the specific financial organisation holding 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 %

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Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Raigarh

Establishing a Shriram Finance fixed deposit in Raigarh requires meeting certain eligibility standards. The categories eligible to start fixed deposits in Raigarh comprise

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

How to Invest in Fixed Deposit with Shriram in Raigarh

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Upon your FD maturity date, weighing the benefits of deciding to renew your Shriram FD in Raigarh could foster sustained financial development. Visit our website or approach a local branch to handle your renewal. These steps explain how to complete your FD renewal through our digital system

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 Raigarh?

At your FD maturity milestone, weighing the advantages of deciding to renew your Shriram FD in Raigarh may contribute to sustained financial growth. Access our online resources or approach a nearby branch to process your renewal. The following sequence outlines how to complete your FD renewal through our digital services

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 Raigarh

Shriram Finance provides ideally situated FD branches in Raigarh to accommodate your fixed deposit needs. These customer-centric establishments feature experienced financial consultants who give personalised advice on how to open fixed deposit accounts or administer existing Unnati Fixed Deposit Scheme arrangements. Below is the list of Shriram Finance branches in Raigarh

Raigarh

  • 2nd Floor, Aditya Business Park, Opposite Modi Plaza, Dhimrapur Road, Jagatpur RAIGARH, CHHATTISGARH Pincode496001 Phone18001034959

Raigarh - I

  • First Floor, Rahul Complex, O.P. Jindal Road, Jagatpur RAIGARH, CHHATTISGARH Pincode496001 Phone18001034959

Sarangarh

  • 1st Floor, Above Astbhuji Indian Gas Agency Pratapganj, Sarangarh RAIGARH, CHHATTISGARH Pincode496445 Phone18001034959
View All Branches

Shriram FD Customer Care in Raigarh

When inquiries develop or you desire more insight into your fixed deposit account, our knowledgeable Fixed Deposit Customer Care professionals in Raigarh are available to supply in-depth responses. Reach our telephone helpline for efficient guidance about your investments. Our detailed customer service contact information is consistently retrievable when required.

Toll Free

Shriram FD Status in Raigarh

For reviewing your Shriram Fixed Deposit status in Raigarh, access our thorough digital services or contact our helpful customer assistance representatives. Frequent monitoring of your FD status ensures you stay updated about approaching maturity timelines and interest additions.

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Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in Raigarh?

The interest rate on FD in Raigarh 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 Raigarh?

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

Yes, early withdrawal from fixed deposits is permitted in Raigarh, although it typically results in certain penalties or reduced interest earnings. Customers are advised to verify the specific conditions before initiating withdrawal.

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

Yes, you can open a fixed deposit account for a minor in Raigarh with appropriate guardian supervision through Shriram Fixed Deposit services.

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

Yes, withdrawing from a fixed deposit before maturity generally incurs a penalty, usually implemented as a downward adjustment of the interest rate applicable to the deposit.

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

Yes, updating the nominee for your FD account in Raigarh is possible. This typically requires submitting a formal application along with proper identification documents for the new nominee.

Can I open multiple Fixed Deposits in Raigarh?

Yes, you have the flexibility to maintain several fixed deposits in Raigarh across different financial institutions or within the same banking organisation.

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

In general, there is no defined upper limit, though specific financial institutions may enforce maximum thresholds for particular deposit schemes.

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

Yes, creating a fixed deposit through a joint account in Raigarh is feasible, provided you adhere to the financial institution's terms and requirements.

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

Yes, many financial organisations offer specialised fixed deposit schemes with preferential interest rates for senior citizens in Raigarh. Specifically, Shriram Finance provides an additional 0.50%* p.a. interest rate for senior citizen depositors.

What is the difference between FD interest rates for regular and senior citizens in Raigarh?

At Shriram Finance, senior citizens enjoy a preferential interest rate that is 0.50%* p.a. higher than the standard rate offered to regular depositors.

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

Yes, interest rates for fixed deposits vary based on the investment period. Typically, longer commitment durations offer more attractive rates compared to shorter terms due to the extended investment timeframe.

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

To prematurely terminate a Shriram FD in Raigarh, you need to submit the original deposit certificate with a Rs.1 revenue stamp affixed, along with a written request and a cancelled cheque. As per RBI guidelines, deposits cannot be closed before completing three months from the date of deposit/renewal except in cases of depositor's demise.

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.