Invest in Shriram Unnati Fixed Deposit Maximise your returns & earn up to 8.05%* p.a.

(Inclusive of 0.50%* p.a. for senior citizens & 0.05%* p.a. for women depositors)

T&C Apply

Terms and Conditions

Your Consent to Proceed
To help us serve you better, we need your permission for a few things. Please read and agree before continuing.
*By proceeding, you indicate that you are subscribing to our service and promotional calls.

1. Sharing & Using Your Information

You allow Shriram Finance Limited (SFL) to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when SFL considers such disclosure/ fetching as necessary, with/ from

Our employees, contracted agents and service providers
Credit bureaus, auditors, government and regulatory bodies
KYC agencies (UIDAI, CERSAI)

We do this to:

Help you apply and complete your onboarding
Verify your identity and do KYC checks
Follow legal and regulatory requirements
Check your creditworthiness
Process your data securely for risk review, scoring, and support
Contact you for service-related matters
Report defaults and recover overdue amounts if needed

2. Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

3. Privacy Policy

You confirm that you've read and understood our Privacy Policy, and you agree to review any updates we may make from time to time.

4. Terms & Conditions

You also agree to our Terms & Conditions, which govern your use of our services. Please read them carefully before proceeding.

5. Help from Our Support Team

You give us permission to share your details with our service partners. They may contact you to help you complete your application or guide you through the onboarding process. This consent will override any registrations with NCPR/NDNC.

KYC related Terms and Conditions

CKYC Consent -

I hereby authorize SFL to verify/check/obtain/download/upload/update my KYC details from/with the Central KYC Registry(CERSAI):

By verifying such details through the CKYC number (i.e. KYC Identifier Number - KIN) provided by me or
By obtaining such CKYC number/KIN, through details shared by me for this Application Form.
I hereby consent for receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.

Aadhaar based authentication (Aadhaar eKYC) or verification (Aadhaar OKYC) facility provided by Unique Identification Authority of India "UIDAI" -

E-KYC Consent -

At my own discretion, I voluntarily opt to perform and avail Aadhaar based authentication (eKYC) or verification (OKYC) from UIDAI and hereby submit to the SFL, the physical copy of Aadhaar card / physical e-Aadhaar / masked Aadhaar / Aadhaar Secure QR code / offline electronic Aadhaar xml as issued by UIDAI (Aadhaar), Aadhaar number, Virtual ID, e-Aadhaar, Aadhaar Letter, XML file, date of birth, Aadhaar holder name, photo, demographic information, face authentication details and/or biometric information (collectively, "Information") for the purpose of establishing my identity / address proof or in the capacity of guardian of my minor child's identity / address.
I am informed by the SFL that in connection with Aadhaar e-KYC or Aadhaar OKYC services, SFL shall share Aadhaar number and/or biometrics with CIDR/UIDAI, and in response, the CIDR/UIDAI shall share with SFL, the authentication data or verification data such as Aadhaar Holder Name, Date of Birth, Address, Photo, and Registered Mobile Number.

PURPOSE: I for myself/as guardian of minor child, authorise and give my consent to the SFL, for following informed purposes: -

Above mentioned information shall be used for KYC and periodic KYC updation process as per the PML Act, 2002 and rules thereunder and RBI guidelines, or for establishing my identity, carrying out my identification, e-KYC, or OKYC, or Yes/No Authentication, demographic or other authentication / verification / identification as may be permitted as per applicable law, for all accounts, facilities, services and relationships of/through the SFL, existing and future.
Collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/verification/ identification records:for the informed purposes above, as well as for regulatory and legal reporting and filings and/or where required under applicable law; producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration.
I further understand that Aadhaar number and core biometrics will not be stored/ shared except as per laws/regulations and for CIDR/UIDAI submission.
I shall be submitting to the Company any one of the Officially Valid documents such as Aadhaar, Voter ID, Driving License or Passport for customer due diligence/KYC process.

CONSENT DATA AND INFORMATION SHARING FROM FOR DIGILOCKER PROVIDED BY MEIT (Ministry of Electronics and Information Technology):

I authorise and give my consent to the SFL to obtain, share and store Certified Copy of Officially Valid Documents (OVD) or equivalent e-documents of OVD including documents issued through secured cloud based Digilocker platform of MeIT for the purpose of availing Financial Products from SFL.

KYC through Video Customer Identification Process(VCIP) – If I opt for VCIP Mode, I hereby agree and acknowledge/authorise:

That video based KYC validation (” Video KYC process”) has been provided as alternate method for establishing my identity with SFL
That my KYC will be completed by SFL, through Video KYC process, in accordance with process provided under the prevailing regulation, including Master Direction Know Your Customer (KYC) Direction, 2016, issued by Reserve Bank of India(“RBI”) and the amendments thereof.
All particulars, information and details to be provided by me in relation to this Video KYC process represent the true, correct and upto date information of myself in all respects.
That Video KYC process shall include but shall not be limited to the following steps concluded by authorised officer of SFL:
Live capturing of photo, along with live GPS co-ordinate (Geo-tagging) of the customer undertaking the VCIP and date time stamp where such live photo is being taken;
Permanent Account Number (PAN) is mandatory for onboarding through V-CIP mode and capturing clear image of PAN card during the V-CIP process. The PAN details will be verified from the verification facility of the issuing authority.
If Aadhaar card is permitted to be accepted as a documentary proof under law/regulation, the same will be obtained as contemplated under the prevalent law/regulation.
Video recording of the interaction (for concluding Video KYC) will be stored by SFL in accordance with applicable law/regulation.

Camera & Microphone Access

You allow us one-time access to your phone's camera and microphone. We only use it to complete KYC verification during your onboarding.

Fixed Deposit In Adilabad

Adilabad, with its natural beauty and agricultural economy, offers residents several paths to financial growth. A Fixed Deposit in Adilabad represents one of the most accessible ways to put your money to work with minimal risk and management. FD in Adilabad is suited to different income levels and savings goals. This guide outlines the benefits, current interest rates, and selection strategies for fixed deposits in this northern Telangana district, helping you understand how these investment tools can support your journey toward financial security in this serene region.

Types of Fixed Deposits

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

Cumulative Fixed Deposit

A cumulative fixed deposit is an investment method where your interest earnings aren't paid out but instead reinvested with your principal amount. This compounding advantage boosts your overall yield as interest accrues on a growing sum. When the deposit term ends, you receive one payment containing both your initial investment and all accumulated interest. Cumulative FDs are especially beneficial for those seeking long-term growth who can postpone their returns.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at regular intervals, establishing a dependable income source. It's perfectly suited for those requiring steady financial support. The interest calculation uses simple interest methodology and can be distributed monthly, quarterly, or annually. This approach offers consistent returns and greater liquidity compared to cumulative deposits, making it well-matched for handling recurring expenses.

FD for Senior Citizens

This FD type provides an additional 0.50%* p.a. interest rate for senior citizens.

Fixed Deposit for Women

Women depositors receive an extra 0.05%* p.a. interest rate.

Fixed Deposit for NRI

Non-Resident Indians can invest in FDs through offline channels in India.

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 Home Expenses
FD for Retirement Fund
Fixed Deposit for Children
FD for Wedding Expenses

The FD interest rate is 8.05%* 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

When considering where to place your savings, it's important to know what fixed deposits offer. Below are the primary features and benefits of FD that make them popular among investors.

Compounding benefitsCompounding benefits

Predictable returnsPredictable returns

Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors

Low minimum investment amountLow minimum investment amount

Flexible tenureFlexible tenure

Cumulative and non-cumulative schemes Cumulative and non-cumulative schemes

Attractive interest ratesAttractive interest rates

Shriram Fixed Deposit Interest Rates in Adilabad

The FD rates in Adilabad display significant variation across numerous banking and financial service providers. Investors should diligently compare available options to ensure maximum returns on their capital. The interest offerings generally reflect considerations such as investment tenure and the profile of the institution offering the fixed deposit product. Shriram Fixed Deposit is Rated "CARE AAA; STABLE" By CARE Ratings Limited, "Crisil AAA/ STABLE by CRISIL Ratings Limited, and "[ICRA]AAA; TABLE" by ICRA and "IND AAA/ STABLE" by India Ratings and Research. Get an interest rate of up to 8.05%* 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. 2nd July 2026)

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. 2nd July 2026), 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
12	6.85
^{(Digital Only)}15	7.10
18- 23	7.05
24- 35	7.10
36-60	7.50

Shriram Unnati Fixed Deposit Interest Rate for Non-Cumulative Fixed Deposit Scheme below 10 Cr (w.e.f. 2nd July 2026)

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. 2nd July 2026), 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.
12	6.64	6.68	6.74	6.85
^{(Digital Only)}15	6.88	6.92	6.98	7.10
18 - 23	6.83	6.87	6.93	7.05
24 - 35	6.88	6.92	6.98	7.10
36 - 60	7.25	7.30	7.36	7.50

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 %

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Adilabad

Prior to starting a fixed deposit account, you must satisfy specified fixed deposit eligibility requirements in Adilabad. Generally, these eligible investor categories include

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

How to Invest in Fixed Deposit with Shriram in Adilabad

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can start a fixed deposit account online or visit a nearby branch to fulfil application formalities. Make sure all required paperwork is organised for a streamlined process. Typically, the following steps outlines how to invest in FD online in Adilabad

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 Adilabad?

After your FD reaches maturity, you might prefer to renew your Shriram FD in Adilabad to maintain the investment advantages. Visit our website/mobile application or branch locations to extend your fixed deposit. Here are the typical steps for renewing your FD through digital channels

Shriram Fixed Deposit Branches in Adilabad

Shriram Finance operates FD branches in Adilabad to address your fixed deposit requirements. Our service points feature trained staff offering professional guidance on how to open fixed deposit accounts or navigate your existing Unnati Fixed Deposit Scheme investments. Visit Shriram Finance in Adilabad

Adilabad - I

H.No 6-7-74/1 & 2, 2nd Floor, Bhuktapur ADILABAD, TELANGANA Pincode504001 Phone18001036369

Jannaram

House No. 4-206, First Floor, Near Bus Stand, Mancherial, Jannaram ADILABAD, TELANGANA Pincode504205 Phone18001034959

Khanapur

Ground Floor, House No. 12-112, Vidhya Nagar, Nirmal, Khanapur ADILABAD, TELANGANA Pincode504203 Phone18001034959

View All Branches

Shriram FD Customer Care in Chennai

Our Customer Care specialists are available to address any inquiries or provide guidance regarding your fixed deposit account. For quick assistance with your investments, please call us at the contact numbers provided here

Toll Free

Shriram FD Status in Adilabad

For examining your Fixed Deposit status in Adilabad, you may access Shriram Finance’s online services or connect with our customer care team. Staying informed about your FD status helps you manage maturity timelines and understand your interest earnings effectively.

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 Adilabad?

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

What is the interest rate on Fixed Deposits in Adilabad?

The interest rate on FD in Adilabad is 8.05%* 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 Adilabad?

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

In Tadipatri, premature withdrawal of fixed deposits is permitted, though penalties or reduced interest rates may apply. It is advisable to review the specific terms prior to withdrawal.

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

In Tadipatri, Shriram Fixed Deposit allows fixed deposit accounts for minors with appropriate guardian authorisation.

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

Premature withdrawals of fixed deposits typically incur penalties, generally applied as reductions to the interest rate on your deposit.

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

Nominees for Tadipatri FD accounts can be modified by submitting a formal request accompanied by valid identification documents for the new nominee.

Can I open multiple Fixed Deposits in Tadipatri?

You can establish multiple fixed deposits in Tadipatri, either with various financial institutions or multiple accounts with a single provider.

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

Generally, there is no upper limit for fixed deposit investments in Tadipatri, though specific schemes at some institutions may have defined maximums.

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

Joint account fixed deposits are available in Tadipatri, subject to the financial institution's terms and conditions.

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

In Tadipatri, senior citizens benefit from enhanced interest rates at many institutions, with Shriram Finance specifically offering an additional 0.50%* p.a.

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

At Shriram Finance in Tadipatri, senior citizens receive a preferential rate of 0.50%* p.a. above what regular depositors are offered.

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

In Tadipatri, FD interest rates vary by tenure, with longer commitment periods typically rewarded with more favorable rates.

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

To close a Shriram FD early in Tadipatri, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. Per RBI guidelines, deposits cannot be closed before three months from the deposit/renewal date except in case 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 "CARE AAA; STABLE" by CARE Ratings Limited, "CRISIL AAA/STABLE" by CRISIL Ratings Limited, "[ICRA]AAA; STABLE" by ICRA, and "IND AAA/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.

Non Resident Indian