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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 Rajkot

Rajkot, a city known for its entrepreneurial spirit and steady growth, offers various opportunities to build long-term savings. One of the more consistent options is a Fixed Deposit in Rajkot, which allows individuals to invest a specific amount for a fixed period and earn interest with clarity. This guide aims to simplify the process of opening an FD in Rajkot with Shriram Finance. From understanding tenure and interest payout options to learning what suits your financial needs best, you will find helpful details to make confident choices. Whether you're planning for future expenses or just looking to grow your savings steadily, this guide will help you take informed steps.

Types of Fixed Deposits

Shriram Finance in Rajkot offers fixed deposit options tailored to meet different financial preferences.

interest rates

Cumulative Fixed Deposit

With this type, interest is not paid at regular intervals but added back to your deposit. It grows through compounding and is paid along with the principal at maturity. This is suitable for those planning to grow their savings without needing regular payouts.

achievement

Non-Cumulative Fixed Deposit

This option pays interest on a regular basis monthly, quarterly, or yearly based on your choice. It helps support regular expenses and offers a steady source of income. The interest is calculated using a simple method and paid on time. You may choose the deposit type depending on your financial needs. Shriram Finance branches in Rajkot and the online platform are available to help you open and manage your fixed deposit account easily.

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

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

To make informed saving decisions in Rajkot, it helps to know the important features and benefits of fixed deposits. This knowledge supports better financial planning. Key aspects of fixed deposits are mentioned below to help you choose wisely.

Flex Tenure
Attractive interest ratesAttractive interest rates
Attractive Interest
Compounding benefitsCompounding benefits
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
Predictable returnsPredictable returns
Cumulative
Cumulative and non-cumulative schemes Cumulative and non-cumulative schemes
Low Investment
Low minimum investment amount Low minimum investment amount

Shriram Fixed Deposit Interest Rates in Rajkot

FD rates in Rajkot are based on the financial institution and the duration of your deposit. These rates can change, so it is useful to compare them. Whether you are looking for regular payouts or long-term growth, picking the right fixed deposit helps you handle your finances with clarity and meet your personal savings goals more effectively. 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 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 Rajkot

When you are planning to open a fixed deposit in Rajkot, you must meet a few basic eligibility requirements. The common conditions needed to start your fixed deposit are listed below.

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

How to Invest in Fixed Deposit with Shriram in Rajkot

Shriram Finance provides the Shriram Unnati Fixed Deposit in Rajkot with both online and branch-based application options. The fixed deposit offers various tenures and fair interest rates. It is advised to keep your documents ready for a hassle-free experience. The steps outlined below will help you apply online for a Shriram Unnati Fixed Deposit.

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 Rajkot?

When the deposit period ends, you may decide to renew your Shriram FD in Rajkot and continue enjoying fixed deposit benefits. You can carry out the process online via the website or app. You may also visit a nearby branch. The steps outlined below explain how to renew 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 Rajkot

Shriram Finance operates FD branches in Rajkot where you can open fixed deposits and access support services. These branches have experienced staff to assist with queries like account renewals or new deposit applications. A visit to one of these branches can help you better understand your options.

Rajkot

  • 1st Floor, Shree Raghunath Complex, Nana Mava Main Road, Beside Grand Central Mall, Near 150 Ft Ring Road RAJKOT, GUJARAT Pincode360001 Phone18001034959

Rajkot - I

  • Office No.401, 4th Floor, Pinnacle Complex, Bhaktinagar Station Road, Opposite Patel Suzuki, Bhaktinagar RAJKOT, GUJARAT Pincode360002 Phone18001034959

Rajkot - II

  • 5th Floor,Neptune Tower, Kalawad Road, Opposite Jalaram Petrol Pump, Near Kansagara College RAJKOT, GUJARAT Pincode360005 Phone18001034959
View All Branches

Shriram FD Customer Care in Rajkot

For any queries or support related to your fixed deposit account, our Fixed Deposit Customer Care team is here to assist you. You can reach us by phone for prompt help with your investments. Below are the customer care contact numbers

Toll Free

Shriram FD Status in Rajkot

If you have a fixed deposit in Rajkot, you can check its status by visiting the online portal or contacting customer care. These services help you view your maturity details and interest earnings, giving you useful information and enabling easy tracking of your fixed deposit.

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 Rajkot?

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

What is the interest rate on Fixed Deposits in Rajkot?

The interest rate on FD in Rajkot 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 Rajkot?

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

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 Rajkot 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 Rajkot?

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

Can I open multiple Fixed Deposits in Rajkot?

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 Rajkot?

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

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

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

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

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 Rajkot?

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 Rajkot?

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 Rajkot?

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.