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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 Sundarnagar

For residents of Sundarnagar, fixed deposits continue to be a trusted way to grow their money without exposure to risk. They’re ideal for anyone looking for predictable returns and stress-free savings. Shriram Finance offers fixed deposits starting at Rs.5000 with tenure options that can match your financial goals. With our Fixed Deposit in Sundarnagar, you also benefit from competitive interest rates that add value over time. The process to open a deposit is simple, and documentation requirements are kept minimal. Shriram Fixed Deposit helps you plan with ease. If you’re thinking about an FD in Sundarnagar, now is a good time to begin. Apply online or visit your nearest branch to open your fixed deposit with Shriram Finance and begin saving the smart way.

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 represents a term deposit where earned interest is not paid out periodically but rather added back to the principal sum. This compounding process increases the total yield, as interest builds upon the growing principal. When the deposit matures, the depositor receives a total amount comprising the original deposit plus all accumulated interest. Cumulative FDs best serve those pursuing long-term growth without needing regular income, utilising compounding to enhance returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit offers periodic interest payments, providing a regular source of income. It suits individuals requiring consistent financial inflows. Interest is calculated using simple interest methodology and can be paid monthly, quarterly, or annually. This option delivers predictable returns and greater liquidity than cumulative FDs, making it appropriate for meeting recurring expenditures.

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

Understanding the fixed deposit features and benefits is essential for making educated investment decisions. The following are the key features and benefits of FD

Flex Tenure
Low minimum investment amountLow minimum investment amount
Attractive Interest
Predictable returnsPredictable returns
Compounding Benefit
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
Static Alt Text
Attractive interest ratesAttractive interest rates
Predictable Return
Compounding benefitsCompounding benefits
Cumulative
Flexible tenureFlexible tenure
Low Investment
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors

Shriram Fixed Deposit Interest Rates in Sundarnagar

The FD rates in Sundarnagar may vary considerably across banks and financial institutions. It is important to compare these rates to optimise your returns. Generally, interest rates are influenced by elements such as the deposit tenure and the type of institution offering the FD. 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 Sundarnagar

Prior to opening a fixed deposit account, you need to satisfy certain fixed deposit eligibility criteria in Sundarnagar. Typically, these are the eligibility standards for FD

  • IndividualEligibility Criteria
    • Partnership Firm
    • Companies
    • Trust and Foundation
    • Indian Residents
    • Non-Resident Indians (NRIs)
    • Hindu Undivided Family
    • Unincorporated Association or Body of Individual

How to Invest in Fixed Deposit with Shriram in Sundarnagar

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit account can be done online or by visiting a branch to complete the application. Ensure all necessary documentation is ready for a smooth process. The typical steps for investing in FD online are as follows

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 Sundarnagar?

At the maturity of your FD, you may wish to renew your Shriram FD in Sundarnagar to maintain the associated benefits. You can visit our website, mobile application or branches to renew your fixed deposit. The standard online renewal process for FD includes

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 Sundarnagar

Shriram Finance has established FD branches in Sundarnagar to cater to your fixed deposit needs. These branches are staffed by experienced personnel who provide professional guidance on how to open fixed deposit or manage existing Unnati Fixed Deposit Scheme accounts. Below is a directory of Shriram Finance branches in Sundarnagar

Mandi

  • Second Floor, Village-Chakkar, Near to Milk Plant, Four Line Highway, Gutkar MANDI, HIMACHAL PRADESH Pincode175021 Phone18001034959

Aut

  • V.P.O. - Aut, Tehsil - Aut Mandi MANDI, HIMACHAL PRADESH Pincode175121 Phone18001036369

Joginder Nagar

  • First Floor, Near Anshdeep Hotel ,Village Dhelu, Tehsil Joginder Nagar MANDI, HIMACHAL PRADESH Pincode175015 Phone18001036369
View All Branches

Shriram FD Customer Care in Sundarnagar

For any questions or support regarding your fixed deposit account, our Fixed Deposit Customer Care team stands ready to assist you. You can reach them by phone for immediate help with your investments. Our customer care contact numbers are

Toll Free

Shriram FD Status in Sundarnagar

To review your Shriram Fixed Deposit status in Sundarnagar, you may access our online services or contact our customer care department. Keeping track of your FD status ensures you remain updated about maturity dates and interest earnings.

Fixed Deposit in Major Cities in India

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Fixed deposit in pune
Fixed deposit in Indore

Fixed Deposit FAQs

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

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

What is the interest rate on Fixed Deposits in sundarnagar?

The interest rate on FD in sundarnagar 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 sundarnagar?

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

Yes, withdrawal of fixed deposits is allowed in Sundarnagar; however, this may result in penalties or reduced interest rates. It is recommended to verify the specific terms before proceeding.

Can I open a Fixed Deposit in sundarnagar 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 sundarnagar?

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

Can I open multiple Fixed Deposits in sundarnagar?

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

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

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 sundarnagar?

Yes, you may open fixed deposit accounts in Sundarnagar, subject to the specific terms and conditions of the financial institution.

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

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 sundarnagar?

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 sundarnagar?

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 sundarnagar?

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.