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
Fixed Deposit
Investing in Shriram Unnati Fixed Deposit lets investors and get up to 8.15%* p.a., (including an additional interest benefit of 0.50%* p.a. for senior citizens and 0.05%* p.a. for women depositors). Shriram FD ensures a smooth and customer centric investment experience, thereby making it a lucrative option for securing your financial future.
With a minimum deposit of just ₹5,000 and an easy online application process, Shriram FD is both convenient and accessible for all investors.
Shriram Unnati Fixed Deposit is a reliable investment option known for its attractive interest rates and flexible tenures. It is a secure and stable choice for investors aiming to achieve various financial goals, such as saving for a child's education or retirement.
What is a Fixed Deposit Calculator?
A Fixed Deposit Calculator is an essential tool for anyone looking to invest in a fixed deposit. It helps you accurately calculate the interest earned on your investment over a specified tenure. By simply entering the principal amount, interest rate, and tenure, you can instantly see how much your savings will grow.
Whether you're planning for short-term or long-term financial goals, the Fixed Deposit Calculator provides clarity and confidence, ensuring you make informed decisions. Our FD calculator is useful for comparing different FD schemes and choosing the one that best suits your financial objectives.
Key Features of the Fixed Deposit Calculator
- Get quick and accurate results based on the amount, interest rate, and tenure
- Easily compare potential FD returns from different FD schemes
- Helps you align your investments with your short-term and long-term financial goals
- Simple to use with sliders, clear and concise input fields for hassle-free calculations
Difference Between Bank and Shriram Finance: Which FD to Choose?
Choosing between a bank FD and a Shriram FD can impact returns and financial convenience, as both Shriram Finance and banks offer distinct benefits. Shriram Finance offers higher FD interest rates as well as additional interest rates for senior citizens and women depositors. In contrast, banks offer wider tenure options.
-
Factors
- Interest Rate
- Tenure
- Investment Amount
- Senior Citizen Benefit
- Women Depositor Benefit
- Renewal Benefit
-
Shriram Finance
- 8.15%* p.a. (Inclusive of 0.50%* p.a. for senior citizens
and 0.05%* p.a. for women depositors - 1 to 5 years
- Starts from ₹5,000
- 0.50%* p.a.
- 0.05%* p.a.
- 0.15%* p.a.
- 8.15%* p.a. (Inclusive of 0.50%* p.a. for senior citizens
-
Bank
- 5 to 7% p.a.
- 7 days to 10 years
- Starts from ₹10,000
- 0.25% to 0.50% p.a.
- 0.05% p.a.
- 0.10 to 0.15% p.a.
Fixed Deposit Schemes
Fixed Deposits (FDs) offer a wide range of schemes for investors to cater to different needs and unique financial goals. Here are some of the key features of our FD:
Key Features
- Investment as low as ₹5,000
- 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.
- Flexible tenures ranging from 12 months to 5 years.
- Renewal benefit of 0.15%* p.a.
Financial Goals of FD
Fixed Deposits (FDs) are typically considered a reliable investment option as they offer predictable and steady returns. Whether you want to plan for a significant life event such as a wedding or education or secure financial stability during your retirement, FDs provide a reliable way to achieve your financial goals. Hence, it is important to align the right FD types with your specific financial goals.
For example, if you plan to renovate your home, which costs you around ₹5 Lakhs, taking a loan isn’t the only option. By investing ₹3.5 lakh today in a Fixed Deposit for 5 years at 8.15% interest, the amount can mature to over ₹5 lakhs. This can easily cover your renovation costs. Instead of paying EMIs, your savings work for you and grow over time. It’s a smart way to fund your home renovation without the burden of a loan.
Here are some of the most common financial goals of FD :
Types of Fixed Deposits
Cumulative Fixed Deposits
In this type of FD, the interest is compounded and reinvested and is paid upon maturity. With the power of compounding, your earnings are higher than those of a non-cumulative FD.
Non-Cumulative Fixed Deposits
This type of FD has the flexibility in terms of the payout. You can receive regular income since the interest is paid out on a monthly, quarterly, half-yearly or yearly basis. However, the maturity amount is less compared to the cumulative FD.
Fixed Deposit Interest Rates
Maximise your savings by investing in a Fixed Deposit with Shriram Finance, where you can take advantage of competitive FD interest rates. A Fixed Deposit is a reliable way to grow your savings, thanks to the power of compounding that allows your money to increase steadily over time. Secure your financial future by choosing to invest in Shriram Finance FD today and enjoy the peace of mind that comes with guaranteed returns. Start your journey to financial stability with a Fixed Deposit investment that works for you.
While FD rates may vary amongst banks, NBFC, and other financial institutions, Shriram FD continues to be a preferred choice among conservative millennial investors seeking a predictable and stable income source.
Cumulative Fixed Deposit Interest Rates
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.
Shriram Unnati Fixed Deposit Interest Rates for Cumulative Deposit Scheme (w.e.f. 5th August 2025)
-
Period
(Months)- 12
- 15 (DIGITAL ONLY)
- 18-23
- 24-35
- 36-60
-
At Maturity % p.a.
- 7.00
- 7.25
- 7.15
- 7.25
- 7.60
Non-Cumulative Fixed Deposit Interest Rates
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 for those looking for periodic interest payouts, providing the flexibility to receive returns on a monthly, quarterly, half-yearly, or yearly basis, thus catering to a wide range of financial needs and goals.
Shriram Unnati Fixed Deposit Interest Rates for Non-Cumulative Deposit Scheme (w.e.f 5th August 2025)
-
Period
(Months)- 12
- 15 (DIGITAL ONLY)
- 18-23
- 24-35
- 36-60
-
Monthly % p.a.
- 6.79
- 7.02
- 6.93
- 7.02
- 7.35
-
Quarterly % p.a.
- 6.82
- 7.06
- 6.97
- 7.06
- 7.39
-
Half-Yearly % p.a.
- 6.88
- 7.12
- 7.03
- 7.12
- 7.46
-
Yearly % p.a.
- 7.00
- 7.25
- 7.15
- 7.25
- 7.60
• Interest rates are rounded off to two decimal places.
• Additional interest rate of 0.50%* p.a. will be paid for Senior citizen (Completed age 60 years on the date of deposit/renewal).
• Additional interest rate of 0.15%* p.a. will be paid on all renewals, where the deposit is matured.
• Additional interest rate of 0.05%* p.a. will be paid to Women Depositors.
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.
FD Interest Rate for Citizens < 60 years
-
DEPOSIT NORMAL SCHEME w.e.f. 5th Aug 2025
-
Non Cumulative Deposits
-
Period
(Months)- 12
- 15
- 18
- 24
- 36
- 60
-
Monthly
% p.a.- 6.79
- 7.02
- 6.93
- 7.02
- 7.35
- 7.35
-
Quarterly
% p.a.- 6.82
- 7.06
- 6.97
- 7.06
- 7.39
- 7.39
-
Half-Yearly
% p.a.- 6.88
- 7.12
- 7.03
- 7.12
- 7.46
- 7.46
-
Yearly
% p.a.- 7.00
- 7.25
- 7.15
- 7.25
- 7.60
- 7.60
-
Yearly
value for Rs
500000/-- 5,35,027
- 5,45,312
- 5,53,625
- 5,72,500
- 6,14,000
- 6,90,000
-
-
Cumulative Deposit
-
At Maturity % p.a.
- 7.00
- 7.25
- 7.15
- 7.25
- 7.60
- 7.60
-
Maturity value for
Rs 500000/-- 5,35,027
- 5,45,719
- 5,54,607
- 5,75,132
- 6,22,931
- 7,21,251
-
FD Interest Rate for Senior Citizens (>60 years)
-
DEPOSIT SENIOR CITIZEN SCHEME (0.50% Inclusive)
-
Non Cumulative Deposits
-
Period
(Months)- 12
- 15
- 18
- 24
- 36
- 60
-
Monthly
% p.a.- 7.25
- 7.49
- 7.39
- 7.49
- 7.81
- 7.81
-
Quarterly
% p.a.- 7.3
- 7.53
- 7.44
- 7.53
- 7.86
- 7.86
-
Half-Yearly
% p.a.- 7.36
- 7.61
- 7.51
- 7.61
- 7.94
- 7.94
-
Yearly
% p.a.- 7.50
- 7.75
- 7.65
- 7.75
- 8.10
- 8.10
-
Yearly
value for Rs
500000/-- 5,37,500
- 5,48,437
- 5,57,375
- 5,77,500
- 6,21,500
- 7,02,500
-
-
Cumulative Deposit
-
At Maturity % p.a.
- 7.50
- 7.75
- 7.65
- 7.75
- 8.10
- 8.10
-
Maturity value for
Rs 500000/-- 5,37,500
- 5,48,915
- 5,58,424
- 5,80,531
- 6,31,533
- 7,37,926
-
FD interest Rate for Women
-
DEPOSIT WOMEN SCHEME (0.05% Inclusive)
-
Non Cumulative Deposits
-
Period
(Months)- 12
- 15
- 18
- 24
- 36
- 60
-
Monthly
% p.a.- 6.83
- 7.07
- 6.97
- 7.07
- 7.39
- 7.39
-
Quarterly
% p.a.- 6.87
- 7.11
- 7.01
- 7.11
- 7.44
- 7.44
-
Half-Yearly
% p.a.- 6.93
- 7.17
- 7.07
- 7.17
- 7.51
- 7.51
-
Yearly
% p.a.- 7.05
- 7.30
- 7.20
- 7.30
- 7.65
- 7.65
-
Yearly
value for Rs
500000/-- 5,35,240
- 5,45,625
- 5,54,000
- 5,73,000
- 6,14,750
- 6,91,250
-
-
Cumulative Deposit
-
At Maturity % p.a.
- 7.05
- 7.30
- 7.20
- 7.30
- 7.65
- 7.65
-
Maturity value for
Rs 500000/-- 5,35,240
- 5,46,058
- 5,54,938
- 5,75,704
- 6,23,675
- 7,22,687
-
FD interest Rate for Women + Senior Citizen
-
DEPOSIT WOMEN+ Sr citizen (0.05%+0.50% Inclusive)
-
Non Cumulative Deposits
-
Period
(Months)- 12
- 15
- 18
- 24
- 36
- 60
-
Monthly
% p.a.- 7.30
- 7.53
- 7.44
- 7.53
- 7.86
- 7.86
-
Quarterly
% p.a.- 7.35
- 7.58
- 7.49
- 7.58
- 7.91
- 7.91
-
Half-Yearly
% p.a.- 7.41
- 7.65
- 7.56
- 7.65
- 7.99
- 7.99
-
Yearly
% p.a.- 7.55
- 7.80
- 7.70
- 7.80
- 8.15
- 8.15
-
Yearly
value for Rs
500000/-- 5,37,747
- 5,48,750
- 5,57,750
- 5,78,000
- 6,22,250
- 7,03,750
-
-
Cumulative Deposit
-
At Maturity % p.a.
- 7.55
- 7.80
- 7.70
- 7.80
- 8.15
- 8.15
-
Maturity value for
Rs 500000/-- 5,37,747
- 5,49,188
- 5,58,841
- 5,80,993
- 6,32,475
- 7,39,761
-
Why Choose Shriram Finance FD?
How to Invest in a Fixed Deposit Online?
Investing in Shiram Unnati Fixed Deposit online is quick and convenient. Follow these simple steps:
How to Renew your Fixed Deposit?
Renewing your Shriram Unnati Fixed Deposit is a simple and hassle-free process. Follow these steps to continue enjoying attractive FD returns:
click on “Proceed.”
Fixed Deposit Features and Benefits
Shriram Finance offers a range of features and benefits designed to meet the diverse financial goals of every investor. Our fixed deposits provide attractive interest rates, flexible tenure options, and the power of compounding, ensuring your savings grow steadily over time. Whether you're planning for future expenses or looking to build a strong financial foundation, Shriram Finance Fixed Deposits offer the stability and growth potential you need. Explore the features and benefits of Shriram Fixed Deposits today and take the first step towards a financially secure future.
Attractive Interest Rates:
Shriram Unnati Fixed Deposit offers up to 8.15%*p.a. (incl. an additional interest benefit of 0.50%* p.a. for senior citizens & 0.05%* p.a. for women depositors) to maximize your returns
Special Interest Benefit for Senior Citizens and Women:
Senior citizens get an extra 0.50%* p.a. and women depositors get an additional 0.05%* p.a. on their fixed deposit.
Minimum Investment Amount:
Start investing in FD with a minimum of ₹5000 increasing in
multiples of ₹1000.
Flexible Investment Tenure:
Choose from a variety of tenure options ranging from 12 to 60 months, tailored to fit your financial plans.
Cumulative and Non-Cumulative Schemes:
Opt for cumulative FD to grow your investment until maturity or non-cumulative for regular payouts. While non-cumulative schemes pay out interest regularly (monthly, quarterly, half-yearly, yearly) offering steady income, cumulative schemes prioritize long-term growth by reinvesting interest earnings. This compounding effect can significantly boost your returns at maturity.
Digital-Only FD:
Invest in 15-month Digital FD and get up to 7.80%* p.a (incl. an additional interest benefit of 0.50%* p.a. for senior citizens & 0.05%* p.a. for women depositors) to earn quick FD returns.
Fixed Deposit Eligibility and Documents Required
To invest in a Fixed Deposit with Shriram Finance, you must meet certain eligibility criteria and provide the necessary documents. Typically, individuals above the age of 18, including NRIs* (NRI can apply offline) and minors* (under guardianship), are eligible to invest in a Fixed Deposit. The documents required for opening an FD include any of the Officially Valid Documents (OVD) and the PAN card, along with a recent passport-size photograph. If you are investing in FD through the online mode, you are required to submit PAN card, Aadhaar and FATCA declaration.
In some cases, additional documents may be needed for specific investor categories like NRIs, companies, HUFs, minors and more. By ensuring that you meet the eligibility criteria and have all the necessary documents ready, you can seamlessly invest in an FD and start earning returns.
Who can invest in Shriram FD
- Resident Individuals (Online and offline)
- Sole Proprietorship (Offline only)
- Partnership Firms (Offline only)
- LLPs (Offline)
- Companies (Offline only)
- Hindu Undivided Family (Offline only)
- Trusts and Foundations (Offline only)
- NRIs (Offline Only)
- Unincorporated Association or Body of Individuals (Offline only)
KYC documents
- Latest photograph
- A copy of Permanent Account Number (PAN) or Form No. 60 (if transaction amount is <=49,999/-) is mandatory
- ID proof & address proof (if CKYC no. is available and if the address in CKYC records is matching with that in the application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- Driving License
- FATCA Declaration
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not contain the current address mentioned on the application form, then you are required to submit any one of the documents listed below – this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors should submit an updated OVD with current address.
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of sole proprietorship
- Personal details - mobile no. & e-mail ID (for e- receipt) of applicants
- Any two documents in the name of proprietorship concern as a proof of business/activity
- Registration certificate/Udyam Registration Certificate (URC) issued by the government
- Certificate/license issued by the municipal authorities under the Shop & Establishment Act
- Income tax/GST returns
- GST certificate
- Importer Exported Code (IEC) issued to the proprietorship concern by the office of DGFT/licence/certificate of practice issued in the name of the proprietorship concern by any Professional Body incorporated under a statue
- Utility bill such as electricity, water and landline/telephone bills in the name of proprietorship concern
A duly filled and signed FD application form with the proprietor’s seal.
KYC documents
- Latest photograph
- A copy of Permanent Account Number (PAN) is mandatory or Form No. 60 (if transaction amount is <=49,999/-)
- ID proof & address proof (if CKYC no. is available and if the address in CKYC records is matching with that in the application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- Driving License
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not have the current address mentioned on the application form, then you are required to submit any one of the documents listed below– this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors who have submitted a deemed OVD at the time of investing should submit
- an updated OVD with current address
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of sole proprietorship
- Personal details - mobile no. & e-mail ID (for e- receipt) of applicants
- Any two documents in the name of proprietorship concern as a proof of business/activity
- Registration certificate/Udyam Registration Certificate (URC) issued by the government
- Certificate/license issued by the municipal authorities under the Shop & Establishment Act
- Income tax/GST returns
- GST certificate
- Importer Exported Code (IEC) issued to the proprietorship concern by the office of DGFT/licence/certificate of practice issued in the name of the proprietorship concern by any Professional Body incorporated under a statue
- Utility bill such as electricity, water and landline/telephone bills in the name of proprietorship concern
A duly filled and signed FD application form with the proprietor’s seal.
KYC documents
- Latest photograph
- A copy of Permanent Account Number (PAN) is mandatory or Form No. 60 (if transaction amount is <=49,999/-)
- ID proof & Address Proof (if CKYC no. is available and if the address in CKYC records is matching with that in application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- Driving License
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not have the current address mentioned on the application form, then you are required to submit any one of the documents listed below– this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors who have submitted a deemed OVD at the time of investing should submit an updated OVD with current address
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of sole proprietorship
- Personal details - mobile no. & e-mail ID (for e- receipt) of applicants
- A duly signed copy of Firm’s PAN with seal
- Registration certificate (not mandatory)
- Partnership deed
- Partnership letter stating names of all partners and the mode of operation
- Proof of address of Firm - self attested with seal and principal place of business if it is different
- Beneficial Ownership declaration
A duly filled and signed FD application form with the Firm’s seal
KYC documents
- Latest photograph
- A copy of Permanent Account Number (PAN) is mandatory or Form No. 60 (if transaction amount is <=49,999/-)
- ID proof & Address Proof (if CKYC no. is available and if the address in CKYC records is matching with that in application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- Driving License
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not have the current address mentioned on the application form, then you are required to submit any one of the documents listed below– this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors who have submitted a deemed OVD at the time of investing should submit an updated OVD with current address
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of LLP
- Personal details - mobile no. & e-mail ID of authorised signatory/ies (if any)
- A duly signed copy of LLP’s PAN with seal
- Limited Liability Partnership (LLP) Agreement
- Certificate of Incorporation
- List of all partners of LLP with Designated Partner Identification number (DPIN) issued by central government (on the letter head of LLP)
- Latest board resolution with authorised signatory with mode of operation permitting investment, opening a deposit and claiming maturity
- Proof of address in the name of LLP
- Beneficial Ownership declaration signed by authorised signatory/ies as per mode of operation
A duly filled and signed FD application form with the LLP’s seal
KYC documents
- Latest photograph
- A copy of Permanent Account Number (PAN) is mandatory or Form No. 60 (if transaction amount is <=49,999/-)
- ID proof & Address Proof (if CKYC no. is available and if the address in CKYC records is matching with that in application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- Driving License
- FATCA Declaration
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not have the current address mentioned on the application form, then you are required to submit any one of the documents listed below– this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors who have submitted a deemed OVD at the time of investing should submit an updated OVD with current address
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of LLP
- A duly signed copy of company’s PAN with seal
- Personal details - mobile no. & e-mail ID of authorised signatory/ies (if any)
- Certificate of Incorporation (COI)
- Memorandum and Articles of Association (MOA & AOA)
- Latest board resolution with authorised signatory and their designation, mode of operation and their approval for permitting investments (opening a deposit and claiming maturity)
- List of directors with Director Identification Number (DIN)
- Proof of address in the name of company
- Beneficial Ownership declaration
- A duly filled and signed FD application form with the company’s seal
KYC documents of Karta
- Latest photograph
- A copy of Permanent Account Number (PAN) is mandatory or Form No. 60 (if transaction amount is <=49,999/-)
- ID proof & Address Proof (if CKYC no. is available and if the address in CKYC records is matching with that in application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- FATCA Declaration
- Driving License
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not have the current address mentioned on the application form, then you are required to submit any one of the documents listed below– this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors who have submitted a deemed OVD at the time of investing should submit an updated OVD with current address
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of HUF
- A duly signed copy of HUF’s PAN with seal
- Personal details - mobile no. & e-mail ID of authorised signatory/ies (if any)
- Declaration with Karta seal and signature along with signatures of all coparceners
- Form 15 G (if tax not to be deducted)
A duly filled and signed FD application form with the HUF’s seal
KYC documents
- Latest photograph
- A copy of Permanent Account Number (PAN) is mandatory or Form No. 60 (if transaction amount is <=49,999/-)
- ID proof & Address Proof (if CKYC no. is available and if the address in CKYC records is matching with that in application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- FATCA Declaration
- Driving License
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not have the current address mentioned on the application form, then you are required to submit any one of the documents listed below– this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors who have submitted a deemed OVD at the time of investing should submit an updated OVD with current address
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of HUF
- A duly signed copy of Trust’s PAN with seal
- Personal details - mobile no. & e-mail ID of authorised signatory/ies (if any)
- Trust deed registration certificate (Certified by Registrar)
- Trust declaration form
- Document specifying the names of the beneficiaries, trustees, settler and authors of Trust
- Proof of address of Trust
- Beneficial Ownership declaration
A duly filled and signed FD application form with the Trust’s seal
Documents required for Non-Resident Indians (NRI)/Person of Indian Origin (POI)/Overseas Citizen of India (OCI) (Offline Only)
-
Recent Photograph
-
PAN Copy – Self Attested
-
A duly signed personalised cancelled cheque leaf (If the investor is a minor – then the cheque leaf should be of a minor).
-
Proof of date of birth
-
Personal details - Mobile No & e-mail ID (for e-receipt) of applicants
-
Application form duly filled and signed. In case of minor, it should be signed by guardian.
-
Passport – Mandatory – Self attested
- First and last page – Mandatory
- Immigration stamp page if person is present in India at the time of submitting documents
Certified copy of documents
If a person is present in India at the time of submitting documents:
- Self-attested copy of Officially Valid Documents (OVD along with original authorised officer of SFL.
- To determine NRI/PIO/OCI status
- Address Proof based on communication address in application form
If a person is not in India at the time of submitting documents:
Self-attested copy of Officially Valid Documents (OVD) to be additionally certified by anyone of the following authority:
- Authorised officials of overseas branches of scheduled commercial banks registered in India
- Branches of overseas banks with whom Indian Banks have relationships
- Notary Public Abroad
- Court Magistrate
- Judge
- Indian Embassy/ Consulate General in the country where the non- resident customer resides.
If Indian Passport is submitted:
Submit any one self-attested document as stated below
- Employment Visa
- Residence Visa
- Student Visa
- Dependent Visa
- Work/ Residence Permit
*Visa could be either in the passport or given separately or e-visa
If Foreign Passport is submitted
Submit any one self-attested document as stated below:
- PIO or OCI card
- Expired Indian Passport
- Voter’s ID card
- Copy of Birth Certificate
- Copy of Indian Ration card
- Copy of Registered Marriage Certificate along with Spouse’ NRI/PIO status proof
- Certificate issued by Indian Embassy or Consulate proving customer PIO status
- Existing/ Expired Indian Passport/Voter ID card of spouse/mother/ father/ Grand Parents (in this case
- A valid relationship proof need to be obtained
If communication address is overseas address
Submit any one self-attested document as stated below:
- Bank statement (not less than 3 months old from the date of application) of overseas or India based Bank.
- Valid permanent overseas Driving License
- Certificate from Indian Diplomatic Mission stating the contact address
- Government ID card (SSN /Green Card /PIO Card /OCI Card)
- Utility Bill (electricity /gas / phone / water – not more than 3 months old from the date of application)
- Foreign Government issued identity card
- Lease /Rent / Leave and License Agreement indicating the address of the customer duly registered with Government or similar registration Authority
- Employer’s certificate for proof of overseas address
- Letter from the Government postal services confirming the address of the applicant
- Permanent Resident Permit Work permit mentioning the overseas address
If communication address is Indian address
Submit any one self-attested document as stated below:
- Passport (valid as on date)
- Aadhaar Card
- FATCA Declaration
- Driving license (valid as on date with photo affixed thereon)
- Voter ID
- Job Card issued by NREGA duly signed by an officer of the State Government
If the submitted Officially Valid Document (OVD) with an Indian address does not match the current address provided in the application form, any of the following listed documents will be considered as deemed OVD for the limited purpose of address proof. If the customer submits a deemed OVD, they must provide the above OVD with their current address within 3 months of submitting the documents listed below
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile phone bill, piped gas, water bill)
- Property or municipal tax receipt
- Pension or family Pension Payment Orders(PPOs) issued to retired employees by Government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, and leave & license agreements with such employers allotting official accommodation.
Tax Residency Certificate (TRC) for the IT Dept. of the country of which the investor is resident, Form 10F (to be obtained online from Income tax site post submitting the details), No PE Certificate (refer Annexure V for format), declaration to avail DTAA benefit if customer wants to avail tax benefit.
* Fixed Deposit from Non-Resident Indians are accepted by funds from Non-Resident Ordinary (NRO) bank account on non-repatriation basis provided that the amount deposited with the company does not represent inward remittance or transfer from NRE/FCNR (B) accounts into the NRO account in accordance with the provisions of the Master Direction – Non-Banking Financial Companies acceptance of public deposit (Reserve Bank) directions, 2016
- Fixed Deposit from Non-Resident Indians (NRI) are only accepted for a maximum period of 3 years
- The company does not accept deposit from foreign nationals except person of Indian origin
- Kindly note that NRIs can invest in Shriram FD only via Offline
KYC documents
- Latest photograph
- A copy of Permanent Account Number (PAN) is mandatory or Form No. 60 (if transaction amount is <=49,999/-)
- ID proof & Address Proof (if CKYC no. is available and if the address in CKYC records is matching with that in application form, then address proof is not required)
Any Officially Valid Documents (OVD) from the list below
- Passport
- Aadhaar Card
- Driving License
- FATCA Declaration
- Voter ID
- Job card issued by NREGA duly signed by an officer of the state government
- Letter issued by the National Population Register containing details of name and address
Note: If the submitted OVD does not have the current address mentioned on the application form, then you are required to submit any one of the documents listed below– this will be treated as a deemed OVD for the limited purpose of proof of address.
A deemed OVD is valid for 3 months and investors who have submitted a deemed OVD at the time of investing should submit an updated OVD with current address
- Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, telephone, postpaid mobile, piped gas, water
- Property or municipal tax receipt
- Pension or family Pension Payment Orders (PPOs) issued to retired employees by government departments or public sector undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by state government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies, leave & license agreements with such employers allotting official accommodation
Additional documents
- A duly signed personalised cancelled cheque leaf in the name of the Association with seal
- A duly signed copy of Association’s PAN with seal
- Personal details - mobile no. & e-mail ID of authorised signatory/ies (if any)
- Latest Resolution of Association with authorised signatories and mode of operation permitting Investment, opening a deposit and claiming maturity.
- List of current members on the company letterhead
- Power of Attorney granted to transact on its behalf
- Copy of address in the name of Association or Body of Individuals.
- Signed personalised cancelled cheque leaf in the name of Association and with seal
- Copy of registration certificate if registered
- Byelaws or Rules in case of Societies
- Beneficial Ownership Declaration
Fixed Deposit Available in Cities
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Fixed Deposit FAQs
Investing ₹1 lakh in Shriram Unnati Fixed Deposit earns competitive interest, varying with the tenure, rate & interest payout opted.
For precise figures, use our online FD calculator and get an instant estimate. Typically, longer tenures yield higher FD returns.