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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 Shantipur

When considering a Fixed Deposit in Shantipur, locals gain access to a reliable savings mechanism that combines capital protection with steady returns. The FD in Shantipur establishes defined structures that enhance financial predictability. Our comprehensive review presents critical information about fixed deposits, from contemporary rates to withdrawal provisions, helping you craft investment approaches that address current financial demands while supporting extended financial aspirations.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit functions by interest accrual rather than distribution, with earnings continuously incorporated into your principal amount. This establishes an expanding compounding effect that accelerates your wealth development, yielding returns on both your original capital and previously gathered interest. Upon maturity, you collect the complete sum including your initial investment plus all compounded returns. This arrangement especially serves those seeking substantial long-term asset growth without needing periodic income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit arranges for interest payouts at established intervals, creating a dependable revenue stream. These payments, determined using simple interest methodology, can be organised monthly, quarterly, or annually based on your requirements. This method provides consistent earnings and improved liquidity compared to cumulative alternatives, particularly supporting individuals with ongoing financial commitments.

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

Knowledge about the essential benefits and features of fixed deposits contributes to more strategic investment planning. The key elements of FD incorporate:

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 Shantipur

FD rates in Shantipur reveal notable differences between various financial institutions and NBFCs. Informed investors methodically compare different possibilities before allocating their funds. Your returns typically correlate with elements such as your selected timeframe and the particular banking establishment securing your deposit. 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

₹

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 Shantipur

The establishment of a Shriram Finance fixed deposit in Shantipur calls for adherence to particular eligibility guidelines. The groups qualified to begin fixed deposits in Shantipur include

    • 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 Shantipur

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Creating a fixed deposit is straightforward whether you choose web-based channels or opt to visit a Shantipur branch directly to present your documentation. Gather all required personal identification and address verification materials in advance for a smooth application experience. In most cases, these structured procedures allow you to secure an FD through digital methods.

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 Shantipur?

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

Whenever concerns emerge or you require additional clarity about your fixed deposit account, our specialised Fixed Deposit Customer Care team in Shantipur stands ready to deliver detailed assistance. Contact our telephone helpline for swift support with your investments. Our comprehensive customer service information is consistently accessible as required.

Karimpur

  • First Floor, Plot No. 530, Village - Karimpur Road, Near Sudha Smrity School, Post Office - Karimpur, Police Station - Karimpur NADIA,WEST BENGAL Pincode: 741152 Phone:18001036369

Plassey

  • S/O Kalipada Gupta, Second Floor, Mira Netaji Market, Arnopurna Anusthan Bari, Near Station, Police Station - Kaliganj, Village - Mirabazer, Plassey NADIA,WEST BENGAL Pincode: 741156 Phone:18001034959

Bankura

  • Above HMT Tractor Showroom, H. No. 221/2/A, Durgapur Bye Pass Road, Lalbazar P.O. - Bankura BANKURA,WEST BENGAL Pincode: 722101 Phone:18001036369
View All Branches

Shriram FD Customer Care in Shantipur

As inquiries come up or you require further understanding of your fixed deposit account, our expert Fixed Deposit Customer Care team in Shantipur is available to offer thorough explanations. Connect with our phone helpline for prompt support with your investments. Our complete customer service contact details are always obtainable when needed.

Toll Free

Shriram FD Status in Shantipur

To inspect your Shriram Fixed Deposit status in Shantipur, use our comprehensive online portal or connect with our helpful support staff. Periodic assessment of your FD status helps you stay informed about forthcoming maturity timelines and interest accumulations.

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Fixed deposit in Indore

Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Shantipur for Shriram FD is Rs.5,000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Shantipur?

The interest rate on FD in Shantipur 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 Shantipur?

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

Yes, premature withdrawal from fixed deposits is accessible in Shantipur, though it generally involves certain penalties or reduced interest earnings. It's recommended to verify the specific terms before proceeding.

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

Yes, you can open a fixed deposit account for a minor in Shantipur with proper guardian authorisation through Shriram Fixed Deposit.

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

Yes, early withdrawal from a fixed deposit typically attracts penalties, usually implemented as a reduction in the applicable interest rate on the deposit amount.

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

Yes, modifying the nominee for your FD account in Shantipur is permissible. This procedure normally requires submitting a formal request along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Shantipur?

Yes, you have the option to maintain several fixed deposits in Shantipur with different financial institutions or within the same banking entity.

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

Generally, there is no specified upper limit, though individual financial institutions may establish maximum thresholds for specific deposit schemes.

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

Yes, establishing a fixed deposit through a joint account in Shantipur is possible, subject to the financial institution's policies and requirements.

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

Yes, numerous financial institutions offer specialised fixed deposit options with enhanced interest rates for senior citizens in Shantipur. For instance, Shriram Finance provides an additional 0.50%* p.a. interest benefit for senior citizen depositors.

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

Shriram Finance offers senior citizens a preferential interest rate that is 0.50%* p.a. higher than the standard rate provided to regular depositors.

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

Yes, fixed deposit interest rates vary according to the investment duration. Generally, longer commitment periods attract higher interest rates compared to shorter terms due to the extended investment timeframe.

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

For premature closure of a Shriram FD in Shantipur, you must present the original deposit receipt with a Rs.1 revenue stamp affixed, accompanied by a written request and a cancelled cheque. In accordance with RBI guidelines, deposits cannot be terminated before completing three months from the initial deposit/renewal date except in cases of 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.