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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 Sarkaghat

Many individuals are choosing a Fixed Deposit in Sarkaghat to grow their savings steadily without being affected by market fluctuations. It’s a preferred option for salaried employees, retired individuals, and small business owners who want guaranteed returns. In Sarkaghat, financial planning often leans towards security and stability which makes fixed deposits are a reliable choice. With Shriram Fixed Deposit, you can enjoy competitive interest rates, choose a tenure that suits your goals, and get started with a low minimum amount. Whether you’re saving for your child’s education or building a retirement corpus, an FD in Sarkaghat offers you a strong foundation. Open your account online or visit a nearby Shriram Finance branch today and take a confident step towards your financial future.

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 merges interest with the principal over the chosen tenure instead of offering payouts during the term. The collected interest is reinvested, helping the sum grow through compounding. At FD maturity, the investor receives a lump sum combining the initial deposit and the compounded interest. This option is ideal for those with long-term financial aims who don't need regular payouts.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest at fixed intervals, making it suitable for generating regular income. Interest is calculated on a simple interest basis and can be paid out monthly, quarterly, or annually. Compared to cumulative deposits, they provide greater liquidity and work well for those managing routine 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

Knowing fixed deposit features and benefits allows for more effective financial planning. Below is a summary of the main features and benefits of an FD

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

Shriram Fixed Deposit Interest Rates in Sarkaghat

The FD rates in Sarkaghat vary based on the bank or financial institution. Meticulously comparing these rates can help you obtain better value. The rates typically rely on the deposit period and the institution providing the fixed deposit. 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.

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 Sarkaghat

Meeting specific eligibility criteria is necessary to open a fixed deposit account with Shriram Finance. Usually, the following requirements must be satisfied to apply for an FD

  • IndividualEligibility Criteria
    • 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 Sarkaghat

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You may start an FD either online or by visiting a nearby branch. Ensure all your documents are organised to make the process smooth. Usually, the following steps outline how to invest in 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

    Complete the payment online and add nominee details.

  • Step 5

    Download your FD certificate.

How to Renew Your Shriram Unnati Fixed Deposit in Sarkaghat?

Once your fixed deposit reaches maturity, you may opt to renew your Shriram FD in Sarkaghat to continue enjoying its benefits. You can do this through our website, mobile app or by visiting any of our branches. Below are the typical steps for renewing an 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 Select the FD amount and tenure.
Review
Step 5 Review and confirm the terms of the renewed FD investment and confirm the renewal.
Confirm
Step 6 Once the renewal process is complete, a confirmation of the FD renewal will be sent to you.

Shriram Fixed Deposit Branches in Sarkaghat

Shriram Finance runs FD branches in Sarkaghat to support all your fixed deposit needs. Each branch is staffed with seasoned professionals who can assist you to open fixed deposit or handle your Unnati Fixed Deposit Scheme account. Here's a list of our Sarkaghat branches

Jahu

  • First Floor, VPO Bhamla Tehsil Sarkaghat Dist. Mandi Jahu Bhamla MANDI, HIMACHAL PRADESH Pincode175004 Phone18001036369

Joginder Nagar

  • First Floor, Near Anshdeep Hotel ,Village Dhelu, Tehsil Joginder Nagar MANDI, HIMACHAL PRADESH Pincode175015 Phone18001036369

Aut

  • V.P.O. - Aut, Tehsil - Aut Mandi MANDI, HIMACHAL PRADESH Pincode175121 Phone18001036369
View All Branches

Shriram FD Customer Care in Sarkaghat

If you require support with your FD account, our dedicated Fixed Deposit Customer Care team is here to help you. Just call us for swift assistance with any investment-related concern. You'll find the contact details below

Toll Free

Shriram FD Status in Sarkaghat

You can check your Fixed Deposit status in Sarkaghat using our online platforms or by contacting customer care. Tracking your FD status helps you stay updated about interest earnings and maturity dates.

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Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in sarkaghat for Shriram FD is RsRs.5000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in sarkaghat?

The interest rate on FD in sarkaghat 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 sarkaghat?

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

Yes, premature withdrawal of a fixed deposit is allowed in sarkaghat; however, it may incur penalties or reduced interest rates. It is advisable to check the specific terms before proceeding.

Can I open a Fixed Deposit in sarkaghat 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 sarkaghat?

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

Can I open multiple Fixed Deposits in sarkaghat?

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

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

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 sarkaghat?

Yes, you can open a fixed deposit account in a joint account in sarkaghat subject to the financial institutions terms and conditions.

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

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 sarkaghat?

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 sarkaghat?

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 sarkaghat?

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.