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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 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

interest rates

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.

achievement

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.

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
  • 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

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

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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

  • IndividualEligibility 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

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 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

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 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

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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.