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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 Sitamarhi

Sitamarhi is gradually embracing safer investment options. One such popular choice is a Fixed Deposit in Sitamarhi, preferred by those who value security and consistent returns. In a town where financial planning is becoming more important, fixed deposits offer a dependable way to grow savings without exposure to market fluctuations. Opting for an FD in Sitamarhi through Shriram Finance ensures both peace of mind and rewarding returns. Shriram Fixed Deposit meets diverse financial goals with flexible tenures and attractive interest rates. It suits a wide range of investors, including salaried individuals, retirees, and small business owners looking to park surplus funds safely. The application process with Shriram Finance is simple and efficient, making it easier for Sitamarhi’s residents to begin their investment journey without complications. Whether you're planning for your child’s education or simply building a fund for emergencies, a fixed deposit offers a steady path to financial stability. With our fixed deposit, you’re not just saving—you’re taking a confident step towards securing your 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 accumulates interest over the tenure instead of paying it at regular intervals. The earned interest is reinvested with the principal, allowing the total amount to grow due to compounding. At maturity, the investor is paid a lump sum that includes both the original investment and the compounded returns. These deposits suit individuals with long-term financial plans who do not require frequent income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit offers interest payouts at regular intervals, making it useful for generating recurring income. Interest is computed using simple interest and can be received monthly, quarterly, or yearly. Compared to cumulative FDs, they offer more liquidity and are a practical option for those 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

Being familiar with the features and benefits of fixed deposits helps you make better financial plans. Here’s a quick look at the primary features and benefits of an FD

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 Sitamarhi

The FD rates in Sitamarhi may differ across banks and financial institutions. Reviewing and comparing the rates carefully will help you get better returns. These rates generally depend on the deposit tenure and the type of institution offering the fixed 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 Sitamarhi

Opening a fixed deposit account with Shriram Finance requires meeting certain eligibility standards. Typically, the following criteria must be satisfied to apply for an FD

  • IndividualEligibility
    • 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 Sitamarhi

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can open an FD account online or visit a branch to complete the application process. Make sure that you have all necessary documents ready for a smooth experience. Generally, the steps below are the process 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 :

    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 Sitamarhi?

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

Shriram Finance operates FD branches in Sitamarhi to serve your fixed deposit needs. These branches are staffed with experienced professionals who provide expert guidance on how to open fixed deposit or manage the existing Unnati Fixed Deposit Scheme accounts. Here is a list of Shriram Finance branches in Sitamarhi

Sitamarhi

  • 2nd Floor, Ramjanki Complex, Rajopatti, Opposite Hindustan Petrol Pump, Dumra Road SITAMARHI,BIHAR Pincode: 843316 Phone:18001034959

Sitamarhi - I

  • No : 545, 2nd Floor, Shanti Nagar Chowk, Dumra Road, Near Punjab National Bank , Dumra (P.O.) SITAMARHI,BIHAR Pincode: 843302 Phone:18001034959

Sitamarhi - II

  • 1St Floor, In Front of Main Gate Bagmati Colony Dumra Road SITAMARHI,BIHAR Pincode: 843301 Phone:18001034959
View All Branches

Shriram FD Customer Care in Sitamarhi

For any help regarding your FD account, our dedicated Fixed Deposit Customer Care team is available. You can call us to get assistance and quick solutions for your investment-related queries. Customer care contact details are listed below

Toll Free

Shriram FD Status in Sitamarhi

To check your Shriram Fixed Deposit status in Sitamarhi, you can use our digital services or call customer support. Keeping an eye on your FD status ensures you are updated about maturity and interest details.

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 Sitamarhi?

The minimum deposit amount for our fixed deposit in Sitamarhi is Rs.5,000. The deposits are accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Sitamarhi?

The interest rate on FD in Sitamarhi 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 Sitamarhi?

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

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

Can I open a Fixed Deposit in Sitamarhi 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, fixed deposits are generally subject to a penalty for premature withdrawal. This penalty often results in a lower interest rate being applied to the deposit.

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

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

Can I open multiple Fixed Deposits in Sitamarhi?

Yes, you can open multiple fixed deposits in Sitamarhi, either with the same financial institution or across different ones.

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

Typically, there is no upper limit on fixed deposits. However, some financial institutions may introduce specific schemes with set limits.

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

Yes, you can open a fixed deposit in a joint account in Sitamarhi, provided it complies with the financial institution's terms and conditions.

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

Yes, many financial institutions offer additional interest rates for senior citizens on fixed deposits, typically 0.50%* p.a. for senior citizen depositors.

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

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 Sitamarhi?

Yes, FD interest rates vary depending on the tenure. Longer tenures generally offer higher interest rates as they involve a more extended commitment from the depositor.

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

To close a Shriram Finance fixed deposit prematurely, you must submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. As per RBI guidelines, fixed deposits cannot be closed prematurely within three months of deposit or renewal, except 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.