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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 Rajnandgaon

A Fixed Deposit in Rajnandgaon offers residents a balanced approach to savings, providing stability with opportunities for growth. FD in Rajnandgaon present clear frameworks that simplify the investment journey. Our comprehensive overview delivers essential information about fixed deposits, from current rates to maturity options, helping you formulate investment strategies that address both present needs and future financial ambitions in this district.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit follows an interest capitalisation approach where earnings remain with your principal instead of being paid out. This establishes an intensifying compounding effect that boosts your investment growth, generating returns on both your initial sum and previously accumulated interest. When your term is complete, you receive the full amount containing your original deposit plus all compounded earnings. This method particularly benefits those seeking maximum long-term capital appreciation without needing interim income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers scheduled interest payments at defined intervals, establishing a steady income flow. Using simple interest methodology for calculations, these distributions can be arranged monthly, quarterly, or yearly based on your preferences. This configuration ensures foreseeable earnings and enhanced liquidity versus cumulative options, especially supporting those with ongoing expense requirements.

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.

Our fixed deposits can also help with various life milestones

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

The FD interest rate of 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 Non-Cumulative Fixed Deposit pays out interest at regular intervals.

Shriram Fixed Deposit Features and Benefits

Understanding the primary features and benefits of fixed deposits is crucial for making prudent investment decisions. The core elements of FD comprise:

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

Shriram Fixed Deposit Interest Rates in Rajnandgaon

FD rates in Rajnandgaon present important differences across various banks and NBFCs. Thoughtful savers consistently examine different options before investing their money. The earnings you receive are usually influenced by aspects like your selected time period and the particular financial company administering your deposit. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. Get interest rate of up to 8.15%* p.a. inclusive of 0.50%* 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

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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 Rajnandgaon

To open a Shriram Finance fixed deposit in Rajnandgaon, potential investors must fulfill specific eligibility criteria. The types of investors who can invest in fixed deposits in Rajnandgaon include.

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

How to Invest in Fixed Deposit with Shriram in Rajnandgaon

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. When you reach your FD maturity deadline, assessing the advantages of choosing to renew your Shriram FD in Rajnandgaon may help maintain your financial growth. Use our online resources or contact a nearby branch to manage your renewal. The following sequence details how to finalise your FD renewal via our electronic platform.

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 Rajnandgaon?

Before your fixed deposit matures, you can renew your Shriram FD in Rajnandgaon to continue enjoying its benefits. You can complete the renewal process online through the website or mobile app or by visiting a branch. Below are the general steps 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 Rajnandgaon

Shriram Finance operates thoughtfully arranged FD branches in Rajnandgaon to serve your fixed deposit requirements. These investor-friendly centres employ trained financial professionals who deliver expert assistance on how to open fixed deposit accounts or oversee current Unnati Fixed Deposit Scheme plans. Below is the directory of Shriram Finance branches in Rajnandgaon

Rajnandgaon

  • First Floor, 04-B, Commercial Complex, New Bus Stand, Rajnandgaon RAJNANDGAON,CHHATTISGARH Pincode: 491441 Phone:18001034959

Dongargaon

  • 1st Floor, 77/N, Choukiroad, Sevatatola,Ward No 08, Dongargaon RAJNANDGAON,CHHATTISGARH Pincode: 491661 Phone:18001036369

Ambikapur

  • Dhanjal complex, 2nd floor, Ring Rood , Near Government Polytechnic College AMBIKAPUR,CHHATTISGARH Pincode: 497001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Rajnandgaon

If concerns surface or you need greater clarity regarding your fixed deposit account, our dedicated Fixed Deposit Customer Care representatives in Rajnandgaon stand prepared to provide detailed solutions. Contact our phone service for effective help with your investments. Our comprehensive customer assistance details are readily available whenever necessary.

Toll Free

Shriram FD Status in Rajnandgaon

To check your Shriram Fixed Deposit status in Rajnandgaon, use our extensive online resources or get in touch with our dedicated support professionals. Periodic assessment of your FD status allows you to remain aware of forthcoming maturity periods and interest accruals.

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Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Rajnandgaon for Shriram FD is Rs.5,000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Rajnandgaon?

The interest rate on FD in Rajnandgaon 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 Rajnandgaon?

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

Yes, premature withdrawal of fixed deposits is available in Rajnandgaon, though it generally comes with certain penalties or diminished interest benefits. It's recommended to review the specific terms before proceeding.

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

Yes, you can open a fixed deposit account in Rajnandgaon under a minor's name with proper guardian authorisation through Shriram Fixed Deposit.

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

Yes, early withdrawal from a fixed deposit typically attracts a penalty, which usually takes the form of a reduced interest rate applied to the deposit amount.

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

Yes, modifying the nominee for your FD account in Rajnandgaon is permissible. The process generally involves submitting a formal request along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Rajnandgaon?

Yes, you may establish several fixed deposits in Rajnandgaon with different financial institutions or within the same banking entity.

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

Typically, no upper investment ceiling exists, though individual financial institutions might impose specific limits on certain deposit plans.

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

Yes, establishing a fixed deposit through a joint account in Rajnandgaon is possible, subject to compliance with the financial institution's established guidelines.

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

Yes, numerous financial institutions provide specialised fixed deposit options with enhanced interest rates for senior citizens in Rajnandgaon. For instance, Shriram Finance offers an additional 0.50%* p.a. interest benefit for senior citizen depositors.

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

Shriram Finance provides senior citizens with 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 Rajnandgaon?

Yes, fixed deposit interest rates vary according to the investment duration. Generally, longer commitment periods attract higher interest rates compared to shorter terms due to the extended investment timeframe.

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

For premature closure of a Shriram FD in Rajnandgaon, you must present the original deposit receipt with a Rs.1 revenue stamp affixed, accompanied by a written request and a cancelled cheque. According to RBI regulations, deposits cannot be terminated before completing three months from the initial deposit/renewal date except in cases of depositor mortality.

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.