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

Terms and Conditions

Your Consent to Proceed
To help us serve you better, we need your permission for a few things. Please read and agree before continuing.
*By proceeding, you indicate that you are subscribing to our service and promotional calls.

1. Sharing & Using Your Information

You allow Shriram Finance Limited (SFL) to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when SFL considers such disclosure/ fetching as necessary, with/ from

Our employees, contracted agents and service providers
Credit bureaus, auditors, government and regulatory bodies
KYC agencies (UIDAI, CERSAI)

We do this to:

Help you apply and complete your onboarding
Verify your identity and do KYC checks
Follow legal and regulatory requirements
Check your creditworthiness
Process your data securely for risk review, scoring, and support
Contact you for service-related matters
Report defaults and recover overdue amounts if needed

2. Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

3. Privacy Policy

You confirm that you've read and understood our Privacy Policy, and you agree to review any updates we may make from time to time.

4. Terms & Conditions

You also agree to our Terms & Conditions, which govern your use of our services. Please read them carefully before proceeding.

5. Help from Our Support Team

You give us permission to share your details with our service partners. They may contact you to help you complete your application or guide you through the onboarding process. This consent will override any registrations with NCPR/NDNC.

KYC related Terms and Conditions

CKYC Consent -

I hereby authorize SFL to verify/check/obtain/download/upload/update my KYC details from/with the Central KYC Registry(CERSAI):

By verifying such details through the CKYC number (i.e. KYC Identifier Number - KIN) provided by me or
By obtaining such CKYC number/KIN, through details shared by me for this Application Form.
I hereby consent for receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.

Aadhaar based authentication (Aadhaar eKYC) or verification (Aadhaar OKYC) facility provided by Unique Identification Authority of India "UIDAI" -

E-KYC Consent -

At my own discretion, I voluntarily opt to perform and avail Aadhaar based authentication (eKYC) or verification (OKYC) from UIDAI and hereby submit to the SFL, the physical copy of Aadhaar card / physical e-Aadhaar / masked Aadhaar / Aadhaar Secure QR code / offline electronic Aadhaar xml as issued by UIDAI (Aadhaar), Aadhaar number, Virtual ID, e-Aadhaar, Aadhaar Letter, XML file, date of birth, Aadhaar holder name, photo, demographic information, face authentication details and/or biometric information (collectively, "Information") for the purpose of establishing my identity / address proof or in the capacity of guardian of my minor child's identity / address.
I am informed by the SFL that in connection with Aadhaar e-KYC or Aadhaar OKYC services, SFL shall share Aadhaar number and/or biometrics with CIDR/UIDAI, and in response, the CIDR/UIDAI shall share with SFL, the authentication data or verification data such as Aadhaar Holder Name, Date of Birth, Address, Photo, and Registered Mobile Number.

PURPOSE: I for myself/as guardian of minor child, authorise and give my consent to the SFL, for following informed purposes: -

Above mentioned information shall be used for KYC and periodic KYC updation process as per the PML Act, 2002 and rules thereunder and RBI guidelines, or for establishing my identity, carrying out my identification, e-KYC, or OKYC, or Yes/No Authentication, demographic or other authentication / verification / identification as may be permitted as per applicable law, for all accounts, facilities, services and relationships of/through the SFL, existing and future.
Collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/verification/ identification records:for the informed purposes above, as well as for regulatory and legal reporting and filings and/or where required under applicable law; producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration.
I further understand that Aadhaar number and core biometrics will not be stored/ shared except as per laws/regulations and for CIDR/UIDAI submission.
I shall be submitting to the Company any one of the Officially Valid documents such as Aadhaar, Voter ID, Driving License or Passport for customer due diligence/KYC process.

CONSENT DATA AND INFORMATION SHARING FROM FOR DIGILOCKER PROVIDED BY MEIT (Ministry of Electronics and Information Technology):

I authorise and give my consent to the SFL to obtain, share and store Certified Copy of Officially Valid Documents (OVD) or equivalent e-documents of OVD including documents issued through secured cloud based Digilocker platform of MeIT for the purpose of availing Financial Products from SFL.

KYC through Video Customer Identification Process(VCIP) – If I opt for VCIP Mode, I hereby agree and acknowledge/authorise:

That video based KYC validation (” Video KYC process”) has been provided as alternate method for establishing my identity with SFL
That my KYC will be completed by SFL, through Video KYC process, in accordance with process provided under the prevailing regulation, including Master Direction Know Your Customer (KYC) Direction, 2016, issued by Reserve Bank of India(“RBI”) and the amendments thereof.
All particulars, information and details to be provided by me in relation to this Video KYC process represent the true, correct and upto date information of myself in all respects.
That Video KYC process shall include but shall not be limited to the following steps concluded by authorised officer of SFL:
Live capturing of photo, along with live GPS co-ordinate (Geo-tagging) of the customer undertaking the VCIP and date time stamp where such live photo is being taken;
Permanent Account Number (PAN) is mandatory for onboarding through V-CIP mode and capturing clear image of PAN card during the V-CIP process. The PAN details will be verified from the verification facility of the issuing authority.
If Aadhaar card is permitted to be accepted as a documentary proof under law/regulation, the same will be obtained as contemplated under the prevalent law/regulation.
Video recording of the interaction (for concluding Video KYC) will be stored by SFL in accordance with applicable law/regulation.

Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

Fixed Deposit In Saharanpur

In Saharanpur, many individuals prefer savings instruments that offer both safety and steady growth. One such safe investment option is a fixed deposit, and it continues to be a dependable option for those who want assured returns without the ups and downs of market-linked investments. It's especially suitable for people planning long-term savings, meeting family obligations, or building a financial buffer for the future. Shriram Finance offers a trusted platform for fixed deposit investments, ensuring competitive interest rates and a choice of flexible tenures. With our Fixed Deposit in Saharanpur, you can keep your savings secure while earning consistent returns. With a low minimum investment amount, it becomes accessible even for first-time investors. Opening an FD in Saharanpur is a straightforward process with Shriram Finance. Whether you prefer to visit a branch or complete the steps online, the application is smooth and guided at every step. Take a step towards financial stability. Open a fixed deposit with Shriram Finance and watch your savings grow safely.

Types of Fixed Deposits

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

Cumulative Fixed Deposit

A Cumulative Fixed Deposit does not pay out interest periodically; instead, it adds the earned interest to the principal, creating a compounding effect. This helps boost overall returns as the investment grows over time. At maturity, the investor receives a single payout that includes both the original deposit and accumulated interest. It is best suited for individuals aiming for long-term capital growth without needing regular income.

Non-Cumulative Fixed Deposit

In a Non-Cumulative Fixed Deposit, interest is paid at fixed intervals, providing a consistent income stream. Based on simple interest, these payments can be scheduled monthly, quarterly, or annually. This format offers more liquidity and is an excellent option for individuals who prefer periodic payouts to meet their ongoing financial needs.

FD for Senior Citizens

This FD type provides an additional 0.50%* p.a. interest rate for senior citizens.

Fixed Deposit for Women

Women depositors receive an extra 0.05%* p.a. interest rate.

Fixed Deposit for NRI

Non-Resident Indians can invest in FDs through offline channels in India.

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

It is important to know the fixed deposit features and benefits when planning your savings. Below are some of the main features and advantages of an FD

Low minimum investment amountLow minimum investment amount

Predictable returnsPredictable returns

Flexible tenureFlexible tenure

Compounding benefitsCompounding benefits

Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors

Cumulative and non-cumulative schemes Cumulative and non-cumulative schemes

Attractive interest ratesAttractive interest rates

Shriram Fixed Deposit Interest Rates in Saharanpur

The FD rates in Saharanpur vary across banks and financial institutions. Carefully comparing these rates can help maximise returns. The applicable rate is generally influenced by factors such as deposit tenure and the type of institution selected. 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
12	7.00
^{(Digital Only)}15	7.25
18- 23	7.15
24- 35	7.25
36-60	7.60

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.
12	6.79	6.82	6.88	7.00
^{(Digital Only)}15	7.02	7.06	7.12	7.25
18 - 23	6.93	6.97	7.03	7.15
24 - 35	7.02	7.06	7.12	7.25
36 - 60	7.35	7.39	7.46	7.60

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 %

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Saharanpur

Certain eligibility conditions must be met to open a fixed deposit in Saharanpur. Generally, these are the standard criteria you need to satisfy before applying for an FD account

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

How to Invest in Fixed Deposit with Shriram in Saharanpur

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can apply for a fixed deposit account online or visit a branch for the application process. To ensure a smooth experience, have all necessary documents ready beforehand. The steps below outline the usual process for investing in an FD online

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 Saharanpur?

When your FD matures, you may want to renew your Shriram FD in Saharanpur for continued benefits. Visit our website/mobile app or branches to renew your fixed deposit. Below are the general steps to renew FD online

Shriram Fixed Deposit Branches in Saharanpur

To address your concerns about fixed deposits, Shriram Finance operates FD branches in Saharanpur. At these branches, experienced staff members provide expert guidance on how to open fixed deposit accounts or manage existing Unnati Fixed Deposit Scheme accounts effectively. A detailed list of Shriram Finance branches in Saharanpur is available below

Saharanpur - III

Upper Ground Floor, Parshvanath Plaza, Court Road SAHARANPUR,UTTAR PRADESH Pincode 247001 Phone18001034959

Sharanpur

1st Floor, Shop No 3, D J Complex, Link Road, Darabadi, Ranjeet Nagar SAHARANPUR,UTTAR PRADESH Pincode 247001 Phone18001034959

Chhutmalpur

1st Floor, Village Fatehpur, Shiv Colony, Dehradun Road, Chutmalpur SAHARANPUR,UTTAR PRADESH Pincode 247662 Phone18001036369

View All Branches

Shriram FD Customer Care in Saharanpur

If you have questions or need assistance with your FD account, our Fixed Deposit Customer Care team is here to help you. Support is just a phone call away, and our team ensures prompt guidance whenever needed. The contact numbers are mentioned below

Toll Free

Shriram FD Status in Saharanpur

You can check your Shriram Fixed Deposit status in Saharanpur through online services or by reaching out to our customer care team. Keeping track of your FD allows you to stay updated on interest earnings and maturity details effortlessly.

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 Saharanpur?

The minimum investment required to start an FD with Shriram Finance in Saharanpur is Rs.5000, with additional deposits accepted in multiples of Rs.1,000 thereafter.

What is the interest rate on Fixed Deposits in Saharanpur?

The interest rate offered by Shriram Finance on FDs 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 Saharanpur?

Yes, you can open a FD account online with Shriram Finance in Saharanpur. The process is simple and convenient, involving the following 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 Saharanpur?

Yes, premature withdrawal of a fixed deposit is allowed in Saharanpur; however, it may involve penalties or reduced interest rates. It is advisable to review the terms before opting for early closure.

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

Yes, you can open a fixed deposit account in the name of a minor under the supervision and consent of a guardian.

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

Yes, fixed deposits are generally subject to a penalty for premature withdrawal. This leads to a reduced interest rate being applied to the deposit.

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

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

Can I open multiple Fixed Deposits in Saharanpur?

Yes, it is possible to open multiple fixed deposits in Saharanpur either within the same institution or across different financial institutions.

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

There is generally no upper limit on the amount that can be invested in a fixed deposit; however, certain schemes may impose specific caps based on institutional policies.

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

Yes, joint fixed deposit accounts can be opened in Saharanpur. This will be subject to the terms and conditions of the financial institution.

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

Yes, many institutions offer higher interest rates on FDs for senior citizens, typically 0.50%* p.a. for senior citizen depositors.

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

Senior citizens receive an additional 0.50%* p.a. interest rate compared to regular investors with Shriram Finance FDs in Saharanpur.

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

Yes, interest rates on fixed deposits vary 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 Saharanpur?

To close your Shriram FD prematurely in Saharanpur, you need to submit the original deposit receipt affixed with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per Reserve Bank of India (RBI) guidelines, premature closure within three months of deposit or renewal is not permitted 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.

Non Resident Indian