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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 Siwan

Many people in Siwan are looking for trustworthy ways to save money for their future needs. A Fixed Deposit in Siwan is one of the most reliable options available. When you invest in an FD in Siwan, you earn higher interest than a regular savings account, and your principal amount stays completely protected. This guide explains how different fixed deposit terms work, what interest rates you can expect currently, and how to choose the right option for your family's specific needs. We will also share practical tips on using fixed deposits for both short-term and long-term financial goals.

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 keeps your earned interest with your primary deposit instead of paying it out. This creates a compound growth effect as you earn interest on both your original amount and previously earned interest. At the end of your deposit term, you receive everything together, your initial deposit plus all accumulated interest. This option is well-suited for those wanting maximum growth who don't need regular income from their investment.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit gives you interest at regular intervals, providing a consistent income flow. The interest is calculated using simple interest methods and can be paid to you monthly, quarterly, or yearly. This choice offers reliable returns and better access to your earnings than cumulative FDs, making it good for handling recurring 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

Effective financial planning necessitates detailed evaluation of fixed deposit characteristics and rewards. The key aspects 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 Siwan

FD rates in Siwan exhibit substantial diversity across various financial establishments. Careful investors methodically review multiple alternatives before determining where to place their savings. The interest earnings typically vary depending on aspects such as your selected timeframe and the specific financial institution handling 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 Siwan

Shriram Finance has formulated specific eligibility parameters for interested fixed deposit investors in Siwan. The categories eligible to place fixed deposit investments in Siwan encompass

    • 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 Siwan

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit presents flexibility with choices to proceed digitally or by approaching a Siwan branch for application processing. Gather all necessary paperwork in advance for a seamless setup experience. Generally, follow these sequential stages 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 Siwan?

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

Shriram Finance has favourably situated FD branches in Siwan to satisfy your fixed deposit aspirations. These customer-dedicated locations are equipped with skilled financial specialists who offer personalised assistance on how to open fixed deposit accounts or manage existing Unnati Fixed Deposit Scheme arrangements. Below is the list of Shriram Finance branches in Siwan

Siwan

  • 2nd Floor, Above Siwan Tractors, Showroom Babunia Road SIWAN,BIHAR Pincode: 841226 Phone:18001034959

Siwan - I

  • 2nd Floor, Shriram Complex, Tarwara More, Chapra Road SIWAN,BIHAR Pincode: 841226 Phone:18001034959

Begusarai - II

  • Baba Market, 2nd Floor, Near Amaredeep Cinema, NH- Begusarai BEGUSARAI,BIHAR Pincode: 851101 Phone:18001036369
View All Branches

Shriram FD Customer Care in Siwan

Whenever uncertainties arise or you require clarification about your fixed deposit account, our trained Fixed Deposit Customer Care representatives are available to assist you. Access our telephone helpline for quick resolution of investment-related issues. Comprehensive customer care contact details are conveniently provided for your reference.

Toll Free

Shriram FD Status in Siwan

To verify your Shriram Fixed Deposit status in Siwan, access our comprehensive online services or communicate with our professional customer service team. Regular assessment of your FD status enables you to stay informed about upcoming maturity intervals and interest accruals.

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 Siwan?

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

The interest rate on FD in Siwan 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 Siwan?

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

Yes, premature withdrawal of fixed deposits is permitted in Siwan; however, this action may result in certain financial consequences such as penalties or interest reductions. It's important to examine the specific terms before initiating early withdrawal.

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

Yes, establishing a fixed deposit account for a minor in Siwan is possible with guardian approval through Shriram Fixed Deposit programs.

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

Yes, withdrawing from a fixed deposit before maturity generally incurs penalties. These typically manifest as decreased interest rates applied to your deposit amount.

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

Yes, modifying the nominee designation for your FD account in Siwan is an available option. This process usually requires submitting a formal application form with valid identification documentation of the new nominee.

Can I open multiple Fixed Deposits in Siwan?

Yes, you can establish numerous fixed deposits in Siwan, either across various financial institutions or within a single organisation.

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

Generally, there is no maximum investment limitation; however, specific financial institutions may implement their own caps for particular deposit programs.

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

Yes, creating a fixed deposit through a joint account in Siwan is doable, provided you adhere to the specific requirements set by the financial institution.

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

Yes, numerous financial institutions provide preferential fixed deposit interest rates for senior citizens. Specifically, Shriram Finance offers an additional 0.50%* p.a. interest rate benefit for senior citizen depositors.

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

Shriram Finance extends senior citizens an enhanced interest rate of 0.50%* p.a. above the rate offered to regular depositors in Siwan.

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

Yes, fixed deposit interest rates vary based on the chosen tenure period. Generally, longer commitment durations may receive more favourable interest rates compared to shorter-term options due to the extended investment commitment.

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

For premature closure of a Shriram FD in Siwan, submission of the original deposit receipt with a Rs.1 revenue stamp affixed is required, along with a formal request letter and a cancelled cheque. As per RBI guidelines, deposits cannot be prematurely terminated before three months from the deposit/renewal date except in cases of depositor 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.