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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 Ranaghat

A Fixed Deposit in Ranaghat provides a methodical savings option that integrates principal security with income generation. The FD in Ranaghat creates transparent frameworks that support informed decision-making. This detailed guide offers essential insights about fixed deposits, from prevailing interest offerings to liquidity features, enabling you to formulate investment strategies that accommodate immediate financial requirements while building toward future economic stability in this evolving municipality.

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 operates through interest retention rather than payout, with earnings progressively added to your principal. This creates a growing compounding mechanism that enhances your wealth accumulation, producing returns on both your initial investment and previously accumulated interest. When your deposit matures, you receive the full amount comprising your original sum plus all compounded earnings. This format particularly advantages those pursuing significant long-term capital appreciation without requiring regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit facilitates interest distribution at predetermined intervals, establishing a reliable income flow. These disbursements, calculated using simple interest principles, can be arranged monthly, quarterly, or yearly according to your needs. This approach delivers steady returns and better access to funds compared to cumulative options, especially benefiting those with recurring 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 major advantages and characteristics of fixed deposits is vital for making well-informed financial decisions. The fundamental components of FD include:

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
Static Alt Text
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 Ranaghat

FD rates in Ranaghat display significant variance among different banks and NBFCs. Judicious savers diligently evaluate numerous options before finalising their investment. The earnings you receive generally depend on factors including your chosen investment period and the specific financial institution maintaining 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

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 Ranaghat

To arrange for a Shriram Finance fixed deposit in Ranaghat, candidates must meet specified eligibility benchmarks. The categories authorised to initiate fixed deposits in Ranaghat incorporate.

    • 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 Ranaghat

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Arranging a fixed deposit is convenient using online platforms or by making an in-person appearance at a Ranaghat branch to submit your paperwork. Prepare all essential identity and residential proof documents beforehand for an efficient enrollment process. Generally, these methodical steps permit you to set up an FD via internet-based channels.

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 Ranaghat?

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

As questions surface or you seek greater insight into your fixed deposit account, our dedicated Fixed Deposit Customer Care team in Ranaghat is available to offer in-depth explanations. Connect with our phone assistance line for prompt help with your investments. Our complete customer support contact details remain available whenever necessary.

Karimpur

  • First Floor, Plot No. 530, Village - Karimpur Road, Near Sudha Smrity School, Post Office - Karimpur, Police Station - Karimpur NADIA,WEST BENGAL Pincode: 741152 Phone:18001036369

Plassey

  • S/O Kalipada Gupta, Second Floor, Mira Netaji Market, Arnopurna Anusthan Bari, Near Station, Police Station - Kaliganj, Village - Mirabazer, Plassey NADIA,WEST BENGAL Pincode: 741156 Phone:18001034959

Sonamukhi

  • First Floor, Rajlaxmi Market, Near Police Station, Near Electric Office, Thanagora, Sonamukhi BANKURA,WEST BENGAL Pincode: 722207 Phone:18001034959
View All Branches

Shriram FD Customer Care in Ranaghat

As inquiries come up or you require further understanding of your fixed deposit account, our expert Fixed Deposit Customer Care team in Ranaghat is available to offer thorough explanations. Connect with our phone helpline for prompt support with your investments. Our complete customer service contact details are always obtainable when needed.

Toll Free

Shriram FD Status in Ranaghat

To examine your Shriram Fixed Deposit status in Ranaghat, leverage our secure digital platform or reach out to our attentive customer care team. Routine monitoring of your FD status allows you to remain knowledgeable about upcoming maturity dates and interest progressions.

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Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Ranaghat 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 Ranaghat?

The interest rate on FD in Ranaghat 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 Ranaghat?

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

Yes, premature withdrawal of a fixed deposit is allowed in Ranaghat; however, it may involve penalties or decreased interest rates. It's advisable to check the specific terms before proceeding.

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

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

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

Yes, penalties generally apply for premature withdrawal of a fixed deposit. This penalty typically involves a reduction in the applicable interest rates for the deposit.

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

Yes, you can alter the nominee for your FD account in Ranaghat. This procedure usually requires submitting a request form with valid identification documents of the new nominee.

Can I open multiple Fixed Deposits in Ranaghat?

Yes, you can establish multiple fixed deposits in Ranaghat across different financial institutions or within the same banking organisation.

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

Generally, there is no maximum limit; however, some financial institutions may have specific schemes with defined limits.

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

Yes, you can create a fixed deposit account in a joint account in Ranaghat according to the financial institution's terms and conditions.

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

Yes, many financial organisations offer preferential fixed deposit interest rates for senior citizens compared to regular deposits. For instance, Shriram Finance provides 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 Ranaghat?

Shriram Finance offers an additional 0.50%* p.a. interest rate for senior citizens compared to standard depositors.

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

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

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

To close a Shriram FD prematurely, present the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI directives, a deposit receipt cannot be prematurely closed within three months from the date of deposit/renewal 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.