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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 Senapati

A fixed deposit allows you to earn steady interest by locking in a fixed sum for a chosen period. Its returns are not affected by market fluctuations, making it a low-risk investment option. In Senapati, many residents turn to fixed deposits to secure their future and manage long-term savings. It is a trusted choice for professionals, families, and senior citizens. Those planning to start a Fixed Deposit in Senapati can rely on Shriram Finance for a smooth experience. Shriram Fixed Deposit offers flexible durations, attractive rates of return, and special benefits for senior citizens and women. Starting an FD is hassle-free and requires minimal documentation. If you value consistency and customer-first services, opening your FD in Senapati with Shriram Finance is a smart move.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

In a Cumulative Fixed Deposit, interest isn't paid out at intervals but is added back to the principal. This method increases the deposit amount over time, enhancing returns through the effect of compounding. At maturity, the investor receives the original sum along with the compounded interest as a single payout. This type of FD works best for individuals who want to grow their savings over the long term without needing regular income, using compounding to their advantage.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides regular interest payments, making it a practical choice for those needing frequent income. Interest is calculated using simple interest and paid either monthly, quarterly or annually. This setup ensures a steady income flow and better liquidity than cumulative options, making it helpful for everyday expenses and financial planning.

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

It is important to be aware of the fixed deposit features and benefits before investing. The key highlights and benefits of FDs are outlined below

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 Senapati

The FD rates in Senapati can vary depending on the bank or financial institution. It’s important to compare these rates to ensure your investment grows effectively. Typically, rates are influenced by the deposit period and the provider offering the FD. 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

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STEP 04

Tenure up to

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Min 12 months

Max 60 months

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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 Senapati

Opening a fixed deposit in Senapati requires you to meet certain eligibility norms. Below are the standard conditions needed to open an FD account.

    • 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 Senapati

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Fixed deposits can be opened either online or by visiting a nearby Shriram branch. Ensure you have all required documents handy for a hassle-free process. The basic steps to open an FD online include.

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 Senapati?

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

Shriram Finance meets your fixed deposit needs through its FD branches in Senapati. These branches are staffed with professionals who can help you open fixed deposit accounts or manage your Unnati Fixed Deposit. Branch details are listed below.

Imphal

  • 2nd Floor, Khoyathong, Pukhri Achouba Nagamapal Road, Ward No.3, Near Amazon Building, Khoyathong IMPHAL,MANIPUR Pincode: 795001 Phone:18001036369

Guwahati - I (Chandmari)

  • Senapati Commercial, 2nd Floor, Mani Ram Dewan Road, Near Abishek Motors, Silpukhuri GUWAHATI,ASSAM Pincode: 781003 Phone:18001036369

Guwahati 2

  • 3rd Floor, Meghmaller Apartment, Near Central Nursing Home, Survey Beltola GUWAHATI,ASSAM Pincode: 781028 Phone:18001036369
View All Branches

Shriram FD Customer Care in Senapati

Got a question about your fixed deposit? Our customer support is just a call away. Get in touch with us using the contact information below for prompt help.

Toll Free

Shriram FD Status in Senapati

To stay updated, you can monitor your Shriram FD status in Senapati through our online tools or customer care. It helps you keep track of maturity dates and interest payments.

Fixed Deposit in Major Cities in India

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

Fixed Deposit FAQs

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

The minimum amount to open an FD with Shriram Finance in Senapati is Rs.5,000. Further contributions must be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Senapati?

FDs in Senapati offer an interest rate of 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 Senapati?

Yes, opening an FD account online with Shriram Finance in Senapati is simple. 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 Senapati?

Yes, early withdrawal of FDs is allowed in Senapati, though penalties or reduced rates may apply. It's important to check the applicable terms in advance.

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

Yes, a guardian can open an FD in a minor’s name by providing consent and completing the required documentation.

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

Generally, premature withdrawals do have a penalty, often in the form of a reduced interest rate.

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

Yes, you may update the nominee on your FD in Senapati by submitting an official request and valid ID proof for the new nominee.

Can I open multiple Fixed Deposits in Senapati?

Yes, multiple fixed deposits can be opened in Senapati, either with the same institution or with different banks and financial firms.

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

There is no fixed upper cap in most cases, although certain schemes may define limits according to internal policies.

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

Yes, joint FD accounts may be opened, subject to the institution's terms.

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

Yes, fixed deposits for senior citizens come with additional interest rates. For example, Shriram Finance offers an extra 0.50%* p.a. on fixed deposits for senior citizens.

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

Shriram Finance gives senior citizens an additional 0.50%* p.a. over the standard interest rate.

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

Yes, FD interest rates differ based on the investment tenure, with longer tenures often offering higher rates.

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

To close your Shriram FD prematurely in Senapati, the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque are required. As per Reserve Bank of India (RBI) regulations, premature closure within three months of deposit or renewal is not permitted unless in the event 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.