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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 Ramgarh

A Fixed Deposit in Ramgarh continues to be a trusted savings method, especially among individuals who prefer steady growth over high-risk investments. Whether you're a retiree seeking regular income or someone planning for a financial goal, a fixed deposit offers a sense of certainty. With Shriram Finance, you can invest a minimum of Rs.5,000 in a fixed deposit and choose from flexible tenures that suit your financial plans. Interest is compounded and paid as per your chosen payout option, making it easier to plan expenses or reinvest earnings. Residents of Ramgarh often rely on fixed deposits when they want to set aside a sum and let it grow quietly in the background. The added advantage of competitive interest rates and simple account setup makes Shriram Fixed Deposit suitable for a wide audience. An FD in Ramgarh provides a dependable route to financial discipline and gradual wealth creation. Explore your options with Shriram Finance today and take the next step towards structured savings.

Types of Fixed Deposits

Following are the various forms of FDs to achieve your financial goals

interest rates

Cumulative Fixed Deposit

In a Cumulative Fixed Deposit, the interest is not paid out at regular periods but is added back to the principal amount. This reinvestment causes the deposit to grow with compound interest. At the end of the term, the total payout includes both the principal, and the interest accrued. Cumulative FDs are ideal for those not needing regular income and are focused on growing their savings over time through compounding.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit gives out interest periodically, which creates a steady income. It’s suited to individuals who prefer regular payments. The interest is calculated on a simple interest basis and is payable monthly, quarterly or yearly. This type ensures predictable returns and greater liquidity than cumulative FDs, making it helpful for meeting recurring financial needs.

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 fixed deposit features and benefits is vital when planning your investments. The following are the key features and benefits associated with an FD:

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 Ramgarh

The FD rates in Ramgarh may differ across banking and financial organisations. Comparing these is important to make the most of your investment. Interest rates are generally based on the deposit tenure and the institution offering the FD. 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

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 Ramgarh

To open a fixed deposit account in Ramgarh, you must meet specific fixed deposit eligibility criteria. These are the standard criteria typically required for FD.

    • 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 Ramgarh

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can open your FD account online or by going to a branch. Having your documents in order will help avoid delays. Follow the steps below for the usual online FD investment process.

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 Ramgarh?

Before your fixed deposit matures, you can renew your Shriram FD in Ramgarh 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 Ramgarh

Shriram Finance operates FD branches in Ramgarh dedicated to helping you with fixed deposit services. Our branch staff are trained to guide you on how to open fixed deposit accounts or maintain existing Unnati Fixed Deposit Scheme accounts. Find the branch list below

Ramgarh

  • 1st Floor NH -33, Murram Kalan P.O.- Gona, Hazaribagh RAMGARH,JHARKHAND Pincode: 829122 Phone:18001034959

Bokaro - I

  • First Floor, Ward No. 30, Telidih Highway More, Chas BOKARO,JHARKHAND Pincode: 827013 Phone:18001034959

Chas

  • 1st Floor, above ICICI Bank Bye Pass Road, Chas BOKARO,JHARKHAND Pincode: 827013 Phone:18001036369
View All Branches

Shriram FD Customer Care in Ramgarh

For any issues or queries regarding your fixed deposit, contact our Fixed Deposit Customer Care team. They’re available by phone to support your investment-related concerns. Our care numbers are listed here.

Toll Free

Shriram FD Status in Ramgarh

To know your Shriram Fixed Deposit status in Ramgarh, you may use our digital platform or get in touch with customer care. It’s important to stay aware of your FD maturity and interest details.

Fixed Deposit in Major Cities in India

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Fixed deposit in Indore
Fixed deposit in Punjab

Fixed Deposit FAQs

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

Shriram Finance accepts fixed deposits in Ramgarh starting from Rs.5,000. Subsequent deposits need to be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Ramgarh?

The interest rate on FD in Ramgarh 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 Ramgarh?

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

Yes, premature withdrawal of a fixed deposit is allowed in Ramgarh; However, this is subject to penalties, or a lower interest rate based on the terms of the FD.

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

Yes, you can open a fixed deposit account in the name of a minor in Ramgarh. A guardian’s consent and supervision are required for such accounts.

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

Yes, withdrawing an FD before maturity typically attracts a penalty. It is often in the form of reduced interest.

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

Yes, the nominee on your fixed deposit account in Ramgarh can be changed. This generally requires submitting a formal request along with valid identification for the new nominee.

Can I open multiple Fixed Deposits in Ramgarh?

Yes, it is possible to open multiple fixed deposits in Ramgarh. You can hold multiple FDs with the same financial institution or different ones.

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

Generally, there isn’t any maximum limit on the amount that can be invested in a fixed deposit. However, certain FD schemes may specify an upper limit based on the institution’s terms.

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

Yes, you can open a fixed deposit in a joint account in Ramgarh, as long as they meet the provider’s policy criteria.

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

Yes, many financial institutions offer additional interest rates for senior citizens on fixed deposits, typically 0.50%* p.a. on fixed deposits for senior citizens.

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

With Shriram Finance, senior citizens can avail an additional 0.50%* p.a. compared to regular depositors.

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

Yes, fixed deposits interest rates in Ramgarh can differ depending on the tenure. Typically, longer tenures tend to offer higher returns due to extended investment periods.

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

The process to close your Shriram FD prematurely in Ramgarh requires submitting the original deposit receipt affixed with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI guidelines, premature closure is not permitted within three months from the date of deposit or renewal, unless it is due to the death of the depositor.

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.