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 Sivasagar

In Sivasagar, where financial awareness is steadily growing, people are choosing safe and effective ways to manage their money. A fixed deposit has become a popular choice for those looking to earn steady returns with minimal risk. With Shriram Fixed Deposit, you benefit from competitive interest rates, multiple tenure options, and the comfort of a low-risk investment environment. Starting an FD in Sivasagar with Shriram Finance is hassle-free, requiring only a few documents and offering reliable assistance throughout. Whether you're planning for your future, saving for a big purchase, or looking to earn more from your idle funds, this FD is suitable across life stages. From working professionals to shopkeepers and senior citizens, many in Sivasagar are relying on Fixed Deposits for predictable and stable earnings. Take the step towards better savings, a Fixed Deposit in Sivasagar today and watch your money grow safely over time.

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 does not pay out interest during its term. Instead, the interest is added to the principal, allowing the total amount to grow through compounding. At the end of the tenure, a lump sum is paid to the investor, combining both the initial investment and the interest earned. This type of FD is best suited for individuals aiming for long-term returns without needing regular payouts.

achievement

Non-Cumulative Fixed Deposit

Non-Cumulative Fixed Deposits distribute interest at regular intervals, providing a steady income stream. Interest is calculated using simple interest and can be paid every month, quarter, or year. This deposit offers more flexibility and is ideal for people who rely on regular cash flow.

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

Learning about the fixed deposit features and benefits can support smarter financial planning. Here is a quick summary of the key points

Flex Tenure
Flexible tenureFlexible tenure
Attractive Interest
Attractive interest rates Attractive interest rates
Compounding Benefit
Compounding benefitsCompounding benefits
Static Alt Text
Predictable returnsPredictable returns
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 Sivasagar

The FD rates in Sivasagar may differ from one institution to another. Comparing these rates helps you make a better choice for higher returns. The rate is usually based on the deposit period and the provider. 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

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 Sivasagar

To open a fixed deposit account in Sivasagar, you need to fulfil certain eligibility conditions. Typically, 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 Sivasagar

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You have the option to open a fixed deposit online or by walking into the nearest branch. Keep your documents ready for a smooth and easy application. The steps below explain how to start an 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 Sivasagar?

When your fixed deposit reaches maturity, you may want to renew your Shriram FD in Sivasagar for continued benefits. This can be done on our website, app, or by visiting a local branch. Here's how to renew your FD 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 Sivasagar

Shriram Finance has FD branches in Sivasagar to serve your fixed deposit needs. Our staff is here to help you open fixed deposit or manage your Unnati Fixed Deposit Scheme account. Here is the list of our branches in Sivasagar

Sivasagar

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

Silchar - I

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

Silchar

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

Shriram FD Customer Care in Sivasagar

For any support regarding your FD, our Fixed Deposit Customer Care is ready to assist you. Reach out using the contact numbers given below for any help or information

Toll Free

Shriram FD Status in Sivasagar

You can view your Fixed Deposit status in Sivasagar through our digital services or by reaching out to customer care. Staying informed will help you manage interest payments and plan for maturity.

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Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in sivasagar?

The interest rate on FD in sivasagar 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 sivasagar?

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

Yes, it is possible to withdraw funds from a fixed deposit before its scheduled maturity date. However, please be aware that this may affect the interest earned or incur specific penalties.

Can I open a Fixed Deposit in sivasagar 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 sivasagar?

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

Can I open multiple Fixed Deposits in sivasagar?

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

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

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 sivasagar?

Yes, you can open a fixed deposit account in Sivasagar with joint account holders. This is subject to the terms of the chosen financial institution.

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

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 sivasagar?

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 sivasagar?

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 sivasagar?

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.