Invest in Shriram Unnati Fixed Deposit Maximise your returns & earn up to 7.80%* 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 Gudivada

Gudivada is a significant commercial centre in Krishna district. It features various investment possibilities that can positively impact your financial standing. Among these alternatives, a Fixed Deposit in Gudivada proves especially beneficial owing to its reliability and potential for consistent yields. This detailed guide supplies essential knowledge about FD in Gudivada, encompassing benefits, current interest earnings, and actionable advice for choosing the suitable fixed deposit program aligned with your monetary goals. By grasping these fundamental components, you can implement strategic decisions to enhance your savings and build financial security in this dynamic commercial hub.

Types of Fixed Deposits

Following are the multiple types of FDs to help attain your financial aspirations

Cumulative Fixed Deposit

A Cumulative Fixed Deposit represents an investment structure where interest earned isn't paid periodically but instead reinvested with the principal amount. This compounding mechanism increases the total yield, as interest accumulates on the growing principal. At completion, depositors receive a comprehensive sum comprising both the initial investment and accumulated interest. Cumulative FDs are appropriate for those pursuing long-term growth without needing regular income, leveraging compounding to maximise returns.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest at defined intervals, providing a steady income stream. It's ideal for individuals requiring regular payouts. Interest is determined using simple interest methodology and can be issued monthly, quarterly, or annually. This choice provides predictable yields and better liquidity compared to cumulative FDs, making it suitable for addressing 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.

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 7.80%* 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 fixed deposit features and benefits is essential for making informed investment decisions. Here are the primary features and benefits of FD

Predictable returnsPredictable returns

Flexible tenureFlexible tenure

Attractive interest ratesAttractive interest rates

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

Cumulative and non-cumulative schemesCumulative and non-cumulative schemes

Low minimum investment amountLow minimum investment amount

Compounding benefitsCompounding benefits

Shriram Fixed Deposit Interest Rates in Gudivada

The FD rates in Gudivada present significant variations across the financial sector. Smart savers always compare available options before committing their funds. Interest earnings are generally determined by factors like your chosen investment period and the particular institution managing your 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 7.80%* 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
12	6.75
^{(Digital Only)}15	7.05
18- 23	7.00
24- 35	7.05
36-60	7.25

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.
12	6.55	6.59	6.64	6.75
^{(Digital Only)}15	6.83	6.87	6.93	7.05
18 - 23	6.79	6.82	6.88	7.00
24 - 35	6.83	6.87	6.93	7.05
36 - 60	7.02	7.06	7.12	7.25

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 %

Deposit

Invested Amount

₹ 50,000

Shriram Fixed Deposit Eligibility Criteria in Gudivada

To establish a fixed deposit with Shriram Finance in Gudivada, investors must fulfil specific eligibility criteria. The eligible categories for fixed deposit investments in Gudivada comprise

- 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 Gudivada

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Opening a fixed deposit account is accessible online or by visiting a Gudivada branch to process your application. Ensure you have gathered all necessary papers for a streamlined registration journey. Generally, the steps below are the process to invest in FD online

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 Gudivada?

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

Shriram Fixed Deposit Branches in Gudivada

Shriram Finance hosts well-positioned FD branches in Gudivada to serve your fixed deposit interests. These customer service locations employ trained financial professionals who furnish specialised guidance on how to open fixed deposit or oversee current Unnati Fixed Deposit Scheme accounts. Below is the list of Shriram Finance branches in Gudivada.

Gudivada

9/307, R K Complex, 1st Floor GUDIVADA,ANDHRA PRADESH Pincode: 521301 Phone:18001036369

Gudivada - I

15/16/A, 1St Floor, Park Road GUDIVADA,ANDHRA PRADESH Pincode: 521301 Phone:18001036369

Mummidivaram

Ground Floor,Main Road,Mumidivaram Mummidi Varam E G Dist AMALAPURAM,ANDHRA PRADESH Pincode: 533216 Phone:18001034959

View All Branches

Shriram FD Customer Care in Gudivada

When questions arise or clarification is needed about your fixed deposit account, our Fixed Deposit Customer Care team stands prepared to offer solutions. Contact through telephone for timely assistance regarding your investments. Our customer care contact information is readily accessible.

Toll Free

Shriram FD Status in Gudivada

For evaluating your Shriram Fixed Deposit status in Gudivada, utilise our efficient web services or contact our attentive customer assistance team. Regular review of your FD status ensures you stay informed about approaching maturity dates and interest accumulations.

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 Gudivada?

The minimum deposit amount for a fixed deposit in Gudivada for Shriram FD is Rs.5,000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Gudivada?

The interest rate on FD in Gudivada is 7.80%* 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 Gudivada?

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

Yes, premature withdrawal of a fixed deposit is accessible in Gudivada; however, this service typically involves certain penalties or interest rate reductions. It's prudent to verify the specific conditions before proceeding.

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

Yes, you can create a fixed deposit account for a minor in Gudivada through Shriram Fixed Deposit when accompanied by guardian approval.

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

Yes, closing a fixed deposit ahead of its maturity usually results in a penalty. This commonly manifests as a reduction in the interest rate that would otherwise apply to your deposit.

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

Yes, changing the nominee for your FD account in Gudivada is permitted. This procedure typically requires submission of a designated form along with valid identification documents of the new nominee.

Can I open multiple Fixed Deposits in Gudivada?

Yes, you can maintain several fixed deposits in Gudivada across different financial institutions or within the same banking entity.

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

Generally, no investment ceiling exists; however, certain financial institutions may feature specific schemes with predetermined maximum thresholds.

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

Yes, establishing a fixed deposit through a joint account in Gudivada is viable, subject to the financial institution's specific terms and requirements.

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

Yes, many financial establishments provide preferential fixed deposit interest rates for senior citizens compared to regular deposits. Particularly, Shriram Finance offers an 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 Gudivada?

Shriram Finance extends senior citizens a favourable rate enhancement of 0.50%* p.a. above what regular depositors receive.

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

Yes, FD interest rates vary according to tenure selection. Generally, deposits with longer durations may earn higher interest rates than shorter periods due to the extended financial commitment.

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

To close a Shriram FD before maturity, present the original deposit receipt with a Rs.1 revenue stamp affixed, along with a written request letter and a cancelled cheque. According to RBI directives, a deposit cannot be terminated before three months from the deposit/renewal date except in cases 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 "[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.

Non Resident Indian