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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 Una

A Fixed Deposit in Una offers a steady and secure route to grow your savings over time. Whether you're starting a new job or planning your retirement, many residents prefer the clarity and reliability that comes with fixed deposit investments. It’s a practical choice for those who want guaranteed returns without worrying about market swings. With Shriram Fixed Deposit, you can enjoy competitive interest rates, choose your ideal tenure, and begin investing with a minimal deposit. The process to open an FD in Una is quick and simple, either online or at your

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 combines interest with the principal over the selected tenure rather than providing payouts during the term. The accrued interest is reinvested, enabling the amount to grow through compounding. When the FD matures, the investor receives a lump sum comprising the original deposit and the compounded interest. This option suits those with long-term financial goals who don't require regular payouts.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at determined intervals, making it appropriate for generating steady income. Interest is calculated on a simple interest basis and can be issued monthly, quarterly, or annually. Compared to cumulative deposits, they offer greater liquidity and function well for those handling regular financial requirements.

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

Knowing the fixed deposit features and benefits enables more effective financial planning. Below is an outline of the key features and benefits of an FD:

Flex Tenure
Predictable returnsPredictable returns
Attractive Interest
Flexible tenureFlexible tenure
Compounding Benefit
Attractive interest ratesAttractive interest rates
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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 Una

The FD rates in Una differ according to the bank or financial institution. Carefully comparing these rates can help you acquire better value. The rates typically depend on the deposit timeframe and the 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 Una

To apply for a fixed deposit account with Shriram Finance, you need to fulfil certain eligibility standards. The following criteria are generally required to proceed with an FD application.

    • 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 Una

Shriram Finance provides competitive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You may initiate an FD either online or by visiting a nearby branch. Ensure all your documents are arranged to make the process smooth. Typically, the following steps outline how 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 Una?

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

Shriram Finance has its operations running through FD branches in Una to support all your fixed deposit needs. Our branches are staffed with experienced professionals who can assist you to open fixed deposit or handle your Unnati Fixed Deposit Scheme account. Here’s a list of our Una branches.

Una

  • Shop No.-1, Shopping Complex, 2nd Floor,Mangal Road, Rakkar Coloney UNA,HIMACHAL PRADESH Pincode: 174303 Phone:18001034959

Una - I (HP)

  • First Floor, Plot No. 3 and 4, Khasra No. 2148, Una Nangal Road, Opposite to Dayal Sweets/Hotel, Mohal Bharolian, Khurd UNA,HIMACHAL PRADESH Pincode: 174303 Phone:18001034959

Shimla

  • Asha Bhawan, Opposite Hotel The Park, Ghora Chowki, Tara Devi PO Phone:18001034959
View All Branches

Shriram FD Customer Care in Una

If you require any assistance with your FD account, our dedicated Fixed Deposit Customer Care team is here to support you. Just give us a call for quick help with any investment-related concern. You’ll find the contact details below.

Toll Free

Shriram FD Status in Una

You can monitor your Shriram Fixed Deposit status in Una using our online platforms or by contacting customer care. Following your FD status helps you remain informed about interest earnings and maturity dates.

Fixed Deposit in Major Cities in India

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Fixed deposit in Punjab

Fixed Deposit FAQs

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

To open a fixed deposit with Shriram Finance in Una, you need to deposit a minimum amount of Rs.5,000. Any amount beyond this should be in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Una?

The current FD interest rate offered in Una 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 Una?

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

Yes, you can withdraw your fixed deposit before maturity in Una. However, it may incur a penalty or reduced interest, so it is advisable to review the applicable terms in advance.

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

Yes, a fixed deposit account can be opened in the name of a minor, provided it is done with the consent of a guardian.

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

Yes, premature withdrawal of fixed deposits usually incurs a penalty, often resulting in a reduced interest payout.

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

Yes, you can change the nominee for your fixed deposit in Una by submitting a formal request along with valid identification proof of the new nominee.

Can I open multiple Fixed Deposits in Una?

Yes, it is possible to maintain multiple fixed deposit accounts in Una, whether with one financial provider or spread across several institutions.

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

Generally, fixed deposit investments do not have a defined upper limit, although certain schemes may impose a maximum cap.

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

Yes, joint fixed deposit accounts are permitted in Una, subject to the terms and policies of the financial institution.

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

Yes, several institutions offer special FD schemes for senior citizens. Shriram Finance, for instance, gives 0.50%* p.a. extra to senior citizen investors.

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

Senior citizens are entitled to an additional interest rate of 0.50%* p.a. on fixed deposits with Shriram Finance, compared to regular depositors.

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

Yes, fixed deposit interest rates in Una differ based on the tenure. Typically, longer durations provide higher returns.

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

To close a Shriram Finance Fixed Deposit prematurely, you must submit the original FD certificate affixed with a Rs.1 revenue stamp, a written request, and a cancelled cheque. As per Reserve Bank of India (RBI) guidelines, premature closure is not permitted within three months of booking 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.