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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 Siliguri

With growing interest in planned savings, many individuals in Siliguri are exploring options that offer clarity and consistency. A Fixed Deposit in Siliguri can help you set aside funds while earning predictable returns over a fixed term. This guide provides insights into starting an FD in Siliguri with Shriram Finance. It covers key details such as deposit tenures, interest payout modes, and important points to consider before choosing a plan. Whether you're saving for a short-term goal or planning for the long term, this guide is designed to help you make informed and practical financial choices.

Types of Fixed Deposits

Review these fixed deposit variants to assist your financial ambitions

interest rates

Cumulative Fixed Deposit

This savings strategy doesn't offer periodic interest payments. Instead, the interest earned is combined with your principal amount. This creates a compounding effect, helping your money grow more swiftly over time. Interest is calculated on both your initial deposit and previously collected interest. Upon maturity, you obtain the total sum - your original deposit plus all accumulated interest. Cumulative FDs are beneficial for those wanting long-term growth without needing regular income, as they employ compound interest to boost returns.

achievement

Non-Cumulative Fixed Deposit

With this option, you receive interest at fixed intervals, giving you a reliable flow of income. Your earnings are worked out using simple interest methods and can be paid monthly, quarterly, or annually. This choice delivers consistent returns and better liquidity compared to cumulative deposits, making it suitable for handling day-to-day expenses.

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

Proper review of fixed deposit elements and advantages plays an important role in building useful investment strategies. The central features of FD consist of

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
Static Alt Text
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 Siliguri

FD rates in Siliguri change according to the bank and investment duration. Each banking organisation presents its unique set of interest rates, so it's advantageous to compare alternatives. Whether you desire periodic income or aim to build your savings over time, picking a fixed deposit that complements your financial goals can support better financial planning. Always check that your deposit option suits your financial needs for more effective resource management. Look at elements like auto-renewal choices and nomination arrangements. 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 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 Siliguri

Shriram Finance has outlined distinct eligibility requirements for would-be fixed deposit customers in Siliguri. The individuals authorised to create fixed deposit investments in Siliguri comprise.

    • 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 Siliguri

Shriram Finance provides the Shriram Unnati Fixed Deposit in Siliguri, which can be started online or at a local office. It delivers variable terms and fitting interest rates. Have your documents organised for an efficient application. Review the guidance below to establish a Shriram Unnati Fixed Deposit electronically.

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 Siliguri?

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

Shriram Finance maintains FD branches in Siliguri for overseeing or opening fixed deposits. Knowledgeable personnel support you with account establishment, renewals, and different enquiries. Going to a branch helps in finding a fixed deposit that fits your financial goals.

Darjeeling

  • Floor I, Khatian No 149, Merry Villa, Mouza Hill, Cart Road DARJEELING,WEST BENGAL Pincode: 734101 Phone:18001036369

Kalimpong

  • First Floor,10th Mile, Gumba Hatta Tuni Botey, Near Dr. Mallick Nursing Home, Kalimpong, DARJEELING,WEST BENGAL Pincode: 734301 Phone:18001036369

Malda

  • NH-34, Sarbamangala Pally, C/O Banamaali Garage, Ps-English Bazar MALDA,WEST BENGAL Pincode: 732101 Phone:18001034959
View All Branches

Shriram FD Customer Care in Siliguri

When you need clarification about your fixed deposit account, you can connect with the Fixed Deposit Customer Support team in Siliguri. They are prepared to deliver help. The customer support contact particulars are provided below for simple access.

Toll Free

Shriram FD Status in Siliguri

To monitor your fixed deposit in Siliguri, use the online portal or get in touch with customer care. These options provide access to interest and maturity details, making it convenient to check your deposit’s status and plan your finances effectively.

Fixed Deposit in Major Cities in India

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

Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Siliguri 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 Siliguri?

The interest rate on FD in Siliguri 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 Siliguri?

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

Yes, you can withdraw a fixed deposit before its maturity in Siliguri; however, this may involve a penalty, typically resulting in a reduced interest rate.

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

Yes, opening a fixed deposit account for a minor in Siliguri is possible with Shriram Finance, provided the guardian consents and submits the necessary documents.

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

Yes, withdrawing a fixed deposit before maturity in Siliguri usually incurs a penalty, often leading to a lower interest rate on the deposit.

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

Yes, you can update the nominee for your FD in Siliguri by submitting a formal request along with valid identification for the new nominee.

Can I open multiple Fixed Deposits in Siliguri?

Yes, you are allowed to open multiple fixed deposits in Siliguri, either within the same financial institution or across different ones.

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

Generally, there is no upper limit on the amount you can invest in a fixed deposit in Siliguri unless specified by particular schemes.

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

Yes, a fixed deposit can be opened jointly in Siliguri, subject to the terms and conditions of the financial institution.

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

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 Siliguri?

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 Siliguri?

Yes, in Siliguri, fixed deposit interest rates may vary based on the chosen tenure, with different durations attracting different rates.

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

To close your Shriram Fixed Deposit early in Siliguri, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI guidelines, premature closure within three months is not permitted unless 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.