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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 Guntakal

Guntakal is an important railway junction and strategic location in Andhra Pradesh. It presents multiple investment avenues that can strengthen your financial position. Among these selections, a Fixed Deposit in Guntakal stands out for its steadiness and ability to generate regular income. This guide discusses valuable insights about FD in Guntakal, including advantages, present interest rates, and functional guidance for determining the right fixed deposit scheme customised to your fiscal intentions. Through understanding these essential aspects, you can make calculated choices to expand your funds and create a financial foundation in this strategically positioned town.

Types of Fixed Deposits

Following are the various categories of FDs to assist in achieving your financial goals

interest rates

Cumulative Fixed Deposit

A Cumulative Fixed Deposit constitutes a deposit form where the interest generated isn't distributed periodically but instead reinvested alongside the principal sum. This compounding effect heightens the overall yield, as interest accrues on the expanding principal. Upon maturity, investors collect a total amount including both the initial deposit and gathered interest. Cumulative FDs are beneficial for individuals seeking long-term growth without requiring regular income, utilising compounding to optimise returns.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit issues interest at predetermined intervals, delivering a dependable income flow. It's perfect for those needing regular distribution. Interest is calculated through simple interest methods and can be released monthly, quarterly, or annually. This alternative offers foreseeable returns and enhanced liquidity compared to cumulative FDs, making it appropriate for covering recurring financial commitments.

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 Guntakal

The FD rates in Guntakal show marked differences among various financial establishments. Strategic comparison of options is essential for optimising investment outcomes. The interest percentages offered typically reflect both your selected investment timeframe and the specific bank providing the fixed deposit service. 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

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STEP 04

Tenure up to

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Min 12 months

Max 60 months

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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 Guntakal

Before commencing a fixed deposit investment in Guntakal, it's essential to confirm your eligibility status. Shriram Finance extends fixed deposit services in Guntakal to the following eligible entities.

    • 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 Guntakal

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. Starting a fixed deposit account can be accomplished through our digital services or by approaching a Guntakal branch to complete your application. Have all essential documents organised for a smooth enrolment experience. 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 Guntakal?

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

Shriram Finance maintains accessible FD branches in Guntakal to support your fixed deposit ambitions. These financial establishments are staffed with experienced advisors who offer thorough consultation on how to open fixed deposit or administer existing Unnati Fixed Deposit Scheme accounts. Below is the list of Shriram Finance branches in Guntakal

Guntakal

  • Plot No. 45 , Door No. 20/MIG-45 2 nd Floor, Opposite RTO Office, Bellary Road GUNTAKAL,ANDHRA PRADESH Pincode: 515801 Phone:18001036369

Guntakal - I

  • 8/441B 1St Floor R V R Complex Main Road GUNTAKAL,ANDHRA PRADESH Pincode: 515801 Phone:18001036369

Guntur Autonagar

  • Third Floor, D.No:133-189, Revenue Ward-57, Gorantla GUNTUR,ANDHRA PRADESH Pincode: 522006 Phone:18001036369
View All Branches

Shriram FD Customer Care in Guntakal

Should you have uncertainties or require help with your fixed deposit account, our Fixed Deposit Customer Care experts are committed to supporting you. Connect via phone for efficient guidance concerning your investments. Our customer service numbers remain at your disposal.

Toll Free

Shriram FD Status in Guntakal

To check your Shriram Fixed Deposit status in Guntakal, navigate our user-friendly online services or communicate with our helpful customer service personnel. Periodic verification of your FD status allows you to remain updated about upcoming maturity timeframes and interest accruals.

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Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Guntakal 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 Guntakal?

The interest rate on FD in Guntakal 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 Guntakal?

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

Yes, premature withdrawal of a fixed deposit is available in Guntakal; however, this facility typically entails certain penalties or reduced interest earnings. It's recommended to review the specific terms before proceeding.

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

Yes, you can establish a fixed deposit account for a minor in Guntakal with Shriram Fixed Deposit when provided with guardian authorisation.

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

Yes, early termination of a fixed deposit usually incurs a penalty. This typically involves a reduction in the interest rate that applies to your deposit.

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

Yes, modifying the nominee for your FD account in Guntakal is an option. This process usually requires submitting a formal application along with valid identification information of the new nominee.

Can I open multiple Fixed Deposits in Guntakal?

Yes, you can create various fixed deposits in Guntakal across different financial institutions or within the same banking provider.

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

Generally, no upper investment limit exists; however, some financial institutions may implement specific schemes with defined maximum thresholds.

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

Yes, initiating a fixed deposit through a joint account in Guntakal is permissible, subject to the financial institution's specific terms and conditions.

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

Yes, numerous financial organisations provide enhanced fixed deposit interest rates for senior citizens compared to standard deposits. In particular, 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 Guntakal?

Shriram Finance provides senior citizens with a favourable rate advantage of 0.50%* p.a. above what regular depositors receive.

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

Yes, FD interest rates vary according to tenure selection. Typically, longer tenure commitments may yield higher interest rates than shorter periods due to the extended investment timeframe.

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

To terminate a Shriram FD before maturity, submit the original deposit receipt with a Rs.1 revenue stamp attached, accompanied by a formal request letter and a cancelled cheque. According to RBI regulations, a deposit cannot be closed 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.