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 Silchar

In Silchar, many individuals are placing greater focus on growing their savings through safe and reliable avenues. A fixed deposit is quickly becoming a preferred option for its simple structure and assured returns. With Shriram Fixed Deposit, you gain access to competitive interest rates, flexible tenure choices, and a secure, low-risk way to invest. Opening an FD in Silchar with Shriram Finance is a smooth process that needs minimal documentation and provides dependable support at every step. Whether you're planning ahead for major expenses or just want to make better use of your idle money, this FD can align with your financial goals. Salaried individuals, small business owners, and retired residents in Silchar are increasingly choosing fixed deposits for their steady and consistent returns. If you’re searching for a dependable and straightforward savings plan, start your journey with a Fixed Deposit in Silchar and enjoy peace of mind along with financial growth.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

With a Cumulative Fixed Deposit, interest is not paid periodically but instead added to the principal. This reinvestment grows the amount through compounding. Once the deposit matures, the investor receives a lump sum made up of the original amount plus all earned interest. This is a good choice for those saving for the long term and not needing regular payouts.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit allows interest to be paid out at set intervals, offering consistent income. Interest is worked out using simple interest and can be received monthly, quarterly, or annually. It provides greater liquidity than cumulative FDs and suits individuals with regular financial obligations.

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

Exploring the fixed deposit features and benefits can help you organise your finances better. Here’s a summary of the main points

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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 schemesCumulative and non-cumulative schemes
Low Investment
Low minimum investment amount Low minimum investment amount

Shriram Fixed Deposit Interest Rates in Silchar

The FD rates in Silchar can change based on the financial institution. By comparing them, you can select a deposit that offers better growth. Rates typically depend on the deposit’s duration and the institution you choose. 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

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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 Silchar

To create an FD account in Silchar, you will need to meet certain eligibility criteria. Generally, these include the following

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

How to Invest in Fixed Deposit with Shriram in Silchar

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You may open a fixed deposit online or by visiting your nearest branch. To ensure the process goes smoothly, have all your documents in order. Here's a quick guide to starting your 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 Silchar?

When your fixed deposit reaches maturity, you may want to renew your Shriram FD in Silchar for continued benefits. You can renew it through our site, app, or branch. The steps for renewing online are outlined below

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 Silchar

Looking to open fixed deposit accounts with Shriram Finance? Visit our FD branches in Silchar for competitive returns and flexible tenure options. You can see our list of branches below

Silchar

  • No.626/1, N.S Avenue, Hailkandi Road, Near Surana Motors Pvt Ltd. SILCHAR, ASSAM Pincode788006 Phone18001034959

Silchar - I

  • First Floor, Ramnagar, Police Station Silchar, Post Office - Tarapur SILCHAR, ASSAM Pincode788003 Phone18001034959

Sivasagar

  • Second Floor, Dutta Complex, Hospital Road, Post Office And Police Station - Sivasagar SIVASAGAR, ASSAM Pincode785640 Phone18001034959
View All Branches

Shriram FD Customer Care in Silchar

If you need support with your FD, our Fixed Deposit Customer Care team is always ready to help. Use the contact numbers below for any questions or assistance

Toll Free

Shriram FD Status in Silchar

You can monitor your Fixed Deposit status in Silchar using our online tools or by speaking with customer care. Tracking your investment ensures you stay updated on interest and maturity details.

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 silchar?

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

What is the interest rate on Fixed Deposits in silchar?

The interest rate on FD in silchar 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 silchar?

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

Yes, premature withdrawal of a fixed deposit is allowed in silchar; 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 silchar 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 silchar?

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

Can I open multiple Fixed Deposits in silchar?

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

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

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 silchar?

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

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

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 silchar?

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 silchar?

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 silchar?

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.