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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 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

interest rates

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.

achievement

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.

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

Understanding the fixed deposit features and benefits is essential for making informed investment decisions. Here are the primary features and benefits of 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 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 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 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

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 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.

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 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.

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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 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 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.