Download Shriram One app
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)

T&C Apply

  • Yes
  • No
stickyTab

Fixed Deposit In Rishikesh

A fixed deposit (FD) is a secure way to grow your savings by investing a lump sum for a fixed period at a predetermined interest rate. It is preferred by individuals seeking stability and assured returns without market-linked risks. A Fixed Deposit in Rishikesh can be a trusted choice for building wealth steadily. Shriram Finance offers Shriram Fixed Deposit to help residents of Rishikesh save confidently. With competitive interest rates and flexible tenures, this FD suits a wide range of savers. There are added benefits too—senior citizens and women investors can enjoy special interest rates. Whether you're saving for a future goal or simply wish to park your money in a safe investment, an FD in Rishikesh from Shriram Finance offers reliability and peace of mind. Start your fixed deposit journey today with Shriram Finance and watch your savings grow steadily over time.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit accumulates interest within the account, allowing it to grow alongside the principal amount. Rather than receiving payouts during the tenure, the investor is paid the full amount at maturity. This total includes both the initial deposit and the compounded interest. Cumulative FDs suit those looking to build long-term savings without needing regular returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit is ideal for those who need frequent income, as it pays interest monthly, quarterly, or annually. It operates on simple interest and is often chosen by individuals seeking regular cash flow. These FDs offer more liquidity, making them suitable for those with routine expenses.

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

Being aware of the fixed deposit features and benefits can help with clearer financial decisions. Below is a brief overview of what our fixed deposit has to offer

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

Shriram Fixed Deposit Interest Rates in Rishikesh

The FD rates in Rishikesh differ from one financial institution to another. By comparing the options, you can make the most of your investment. These rates typically vary based on the tenure chosen and the type of institution. 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Rishikesh

To open a fixed deposit with Shriram Finance, certain eligibility criteria must be met. The following requirements are generally needed to proceed with an FD application

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

How to Invest in Fixed Deposit with Shriram in Rishikesh

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can apply for a fixed deposit either online or by visiting a nearby branch. Keep your documents handy to ensure the process is smooth. The steps below explain how to invest in an FD through our online 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 Rishikesh?

When your fixed deposit matures, you can renew your Shriram FD in Rishikesh to keep enjoying its benefits. This can be done online, through the mobile app, or by visiting a branch. The online renewal steps are listed below

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 Rishikesh

Shriram Finance has FD branches in Rishikesh to serve your fixed deposit needs. We have professionals who can help you open fixed deposit or manage the existing Unnati Fixed Deposit Scheme accounts. A complete list of branches is provided below

Rishikesh

  • 1st Floor, Kaushik Complex, Gali No 29, Amit Gram ByPass Road Gumaniwala RISHIKESH, UTTARAKHAND Pincode249201 Phone18001034959

Rishikesh-Dehradun

  • 1st Floor, Mishra Tower, 90, Railway Road RISHIKESH, UTTARAKHAND Pincode249201 Phone18001034959

Haridwar-Dehradun

  • First Floor, Khasra No. 2435/2 and 2436, Demand Reg. No. 279/156, Arya Nagar, Jwalapur HARIDWAR, UTTARAKHAND Pincode249407 Phone18001036369
View All Branches

Shriram FD Customer Care in Rishikesh

In case of any help with your FD, our Fixed Deposit Customer Care team is ready to assist. Call us for prompt support and answers to any queries related to your investment. The contact details are mentioned below

Toll Free

Shriram FD Status in Rishikesh

You have the option to track your Fixed Deposit status in Rishikesh through our digital services or by getting in touch with customer service. It’s helpful to stay informed about your deposit’s maturity and interest payments.

Fixed Deposit in Major Cities in India

Fixed deposit in Mumbai
Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

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

With Shriram Finance, you can start an FD with as little as Rs.5000. Any additional amount must be invested in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in rishikesh?

The interest rate on FD in rishikesh 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 rishikesh?

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

Yes, premature withdrawal of an FD is permitted, but it may attract penalties or lower interest. Always check the terms before proceeding.

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

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

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

Yes, there is usually a penalty for premature withdrawal of a fixed deposit. This penalty often involves a reduction in interest rates applicable to the deposit.

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

Yes, you can change the nominee for your FD account in rishikesh. This process typically requires submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in rishikesh?

Yes, you can open multiple fixed deposits in rishikesh across different financial institutions or within the same financial institution.

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

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

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

Yes, joint FDs are allowed, depending on the terms of the financial institution.

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

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 rishikesh?

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 rishikesh?

Yes, FD interest rates can differ based on tenure. Typically, longer tenures may offer higher interest rates compared to shorter ones due to the extended commitment from the depositor.

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

To close a Shriram FD prematurely, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to the direction of the RBI, a deposit receipt cannot be prematurely closed before three months from the date of deposit/renewal except in case of 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.