Download Shriram One app
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)

T&C Apply

  • Yes
  • No
stickyTab

Fixed Deposit in Sunam

Fixed deposits offer a dependable way to save and earn returns without worrying about market risks. In Sunam, people often choose this investment to build a stable financial base, be it for personal milestones or family needs. If you're considering a Fixed Deposit in Sunam, Shriram Finance offers a reliable solution through its Shriram Fixed Deposit. With features like flexible tenures, competitive interest rates and special benefits for senior citizens and women depositors, this FD product is tailored to support diverse savings goals. The process to get started is smooth and requires only minimal documentation. Whether you're planning for the near future or setting aside money for long-term needs, an FD in Sunam from Shriram Finance is a trusted choice.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

In a Cumulative Fixed Deposit, interest earned over time is reinvested instead of being paid out at intervals. This reinvestment leads to compounding, where the principal grows along with the accumulated interest. At the end of the tenure, a single lump sum is paid out, which includes both the deposited amount and the compounded interest. This type of FD suits investors seeking long-term savings without relying on regular income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit pays out interest at fixed intervals, offering a steady stream of income. It is well-suited for those who require frequent payouts. The interest here is based on simple interest and can be received monthly, quarterly or annually. It is ideal for people looking for liquidity and consistent returns to meet their ongoing needs.

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

Understanding the key features and benefits of fixed deposits is important when deciding on the right investment type. Here are the main benefits and features 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 Sunam

The FD rates in Sunam vary between different financial institutions. It is advisable to compare these rates to get the most from your investment. The interest rate usually depends on the institution and the length of the 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 %

loangraph

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Sunam

Fixed deposits in Sunam can only be opened after fulfilling certain eligibility requirements. Listed below are the standard criteria needed for opening an FD.

    • 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 Sunam

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can apply for a fixed deposit account either online or by visiting your nearest branch. Make sure your documents are ready to avoid delays. The steps below explain how you can invest in an FD using the online method

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 Sunam?

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

Shriram Finance has FD branches in Sunam to help you with your deposit needs. Our team is available to help you open fixed deposit or manage your Unnati Fixed Deposit Scheme. You can find the Sunam branch details below

Sunam

  • Khewat No : 1713/1552, Min, Khatoni No : 3236, First Floor, Killa No:286/7/2/2, Min(0-3-2/3), Jakhal Road, Sunam SANGRUR,PUNJAB Pincode: 148028 Phone:18001034959

Sangrur

  • No : 26, Ground & 1st Floor, Opposite Ram Leela Ground, Phirni Road, Near Canara Bank, Patiala Gate SANGRUR,PUNJAB Pincode: 148001 Phone:18001034959

Sangroor

  • 1st Floor, Patran Road , Above Kubota Tractor Agency, Near Janta Pertol Pump SANGRUR,PUNJAB Pincode: 148001 Phone:18001034959
View All Branches

Shriram FD Customer Care in Sunam

For any queries related to your fixed deposit, you can reach out to our Fixed Deposit Customer Care team. Feel free to call us for any support you may need. The contact numbers are provided below

Toll Free

Shriram FD Status in Sunam

To stay updated on your fixed deposit status in Sunam, you can either check online or contact our customer support. Tracking your FD helps you monitor interest payouts and maturity timelines with ease.

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 Sunam?

Shriram Finance allows you to start a fixed deposit in Sunam with a minimum amount of Rs.5,000. Any further contributions must be made in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Sunam?

The interest rate on FD in Sunam 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 Sunam?

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

Yes, you may withdraw your FD before maturity in Sunam, but doing so may result in a penalty or reduced interest rate. Always read the terms carefully.

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

Yes, you can open a fixed deposit account in the name of a minor, but a guardian must operate the account on their behalf.

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

Yes, closing an FD before its maturity usually attracts a penalty in the form of a lower interest rate. Be sure to review the terms before proceeding.

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

Yes, you can update or change your nominee by submitting a formal request and providing ID proof of the new nominee.

Can I open multiple Fixed Deposits in Sunam?

Yes, you can hold multiple FDs with the same institution or across several financial providers in Sunam.

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

There is generally no upper limit for fixed deposit investments. However, some schemes might have a maximum cap depending on their specific terms.

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

Yes, fixed deposits in Sunam can be opened in joint names, based on the terms of the financial institution.

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

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

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

Shriram Finance offers senior citizens a 0.50%* p.a. higher interest rate compared to what is offered to general depositors.

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

Yes, fixed deposit interest rates in Sunam often differ depending on how long you choose to invest. Generally, longer terms provide better rates.

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

To close your FD early in Sunam, you must submit the original deposit receipt with a Rs.1 revenue stamp, a written request, and a cancelled cheque. Reserve Bank of India (RBI) regulations restrict closure within the first three months unless in the event of the account holder’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.