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 Karimnagar

Karimnagar with its rich heritage and developing infrastructure offers several ways to grow your wealth. Among these, a Fixed Deposit in Karimnagar stands out for people seeking protection from market uncertainties while earning steady returns. An FD in Karimnagar gives you the comfort of knowing exactly what your investment will yield over time. This guide walks you through the essential information about fixed deposits, from interest rates to tenure options, enabling you to create a stronger financial base for yourself and your family.

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 option where your interest earnings remain with the principal rather than being paid out. This compounding mechanism increases your overall returns as interest generates on a growing amount. At maturity, you receive everything combined your original deposit and all accumulated interest. Cumulative FDs are especially appropriate for those seeking maximum growth who don't need regular income from their investments.

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit delivers interest payments at regular intervals, establishing a reliable revenue stream. This option is perfectly matched for those needing a steady income. Interest calculations follow simple interest principles and can be distributed monthly, quarterly, or annually. This approach provides consistent earnings and better liquidity compared to cumulative deposits, making it suitable for managing recurring financial obligations.

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

To maximise your investment potential, it's crucial to understand various savings instruments. Review these primary features and benefits of FD to determine if they align with your needs.

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 Karimnagar

The FD rates in Karimnagar exhibit significant variations among numerous financial service providers. Investors benefit from meticulous rate comparison to secure maximum returns on investments. The interest percentages typically correlate with variables like deposit time period and the specific profile of the organisation offering the fixed deposit scheme. 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 Karimnagar

For opening a fixed deposit account, you must satisfy specific fixed deposit eligibility conditions in Karimnagar. The following entities are generally permitted to invest in FDs.

- 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 Karimnagar

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can set up a fixed deposit account online or approach a nearby branch to finalise your application. Keep all required paperwork available for a smooth transaction. Typically, the following procedure outlines the process to invest in FD online in Karimnagar.

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 Karimnagar?

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

Shriram Finance offers FD branches in Karimnagar to support your fixed deposit needs. Our locations feature knowledgeable personnel who provide professional guidance on how to open fixed deposit accounts or navigate your existing Unnati Fixed Deposit Scheme investments. Visit Shriram Finance in Karimnagar.

Karim Nagar

Survey No. 1133, 1st Floor, Opposite Satyanarayana Swamy Temple, Mankammahota KARIMNAGAR,TELANGANA Pincode: 505001 Phone:18001036369

Karim Nagar - I

Survey No. 739, House No. 8-6-13, 1st Floor, Opposite Muthoot Finance, Kothirampur , Hyderabad Road KARIMNAGAR,TELANGANA Pincode: 505001 Phone:18001036369

Husnabad

H.No: 12-45/5 1St Floor, Reddy Complex,Near Bussta Husnabad KARIMNAGAR,TELANGANA Pincode: 505467 Phone:18001036369

View All Branches

Shriram FD Customer Care in Karimnagar

Our Customer Care experts are standing by to address any concerns or provide assistance with your fixed deposit account. For timely support regarding your investments, please reach out through the phone numbers listed here.

Toll Free

Shriram FD Status in Karimnagar

For accessing your Fixed Deposit status in Karimnagar, Shriram Finance provides digital services and customer service assistance. Regular status verification helps you maintain awareness of your investment's maturity schedule and interest accruals.

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 Karimnagar?

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

The interest rate on FD in Karimnagar 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 Karimnagar?

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

Premature withdrawals of fixed deposits are allowed in Karimnagar, though they may result in penalties or interest reductions. Reviewing the terms before proceeding is recommended.

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

In Karimnagar, Shriram Fixed Deposit allows opening a fixed deposit account for minors with guardian authorisation.

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

Premature withdrawals typically incur penalties, usually applied as reductions to the interest rate applicable to the deposit.

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

To update your FD nominee in Karimnagar, submit a formal request with valid identification documentation for the new nominee.

Can I open multiple Fixed Deposits in Karimnagar?

Multiple fixed deposits can be established in Karimnagar, either across different financial institutions or as multiple accounts with one provider.

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

There is generally no upper limit for fixed deposit investments in Karimnagar, though specific schemes at individual institutions may have their own maximums.

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

Joint fixed deposit accounts are available in Karimnagar, subject to the specific terms and conditions of the financial institution.

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

Many Karimnagar financial institutions offer enhanced rates for senior citizens, with Shriram Finance specifically providing an additional 0.50%* p.a.

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

In Karimnagar, Shriram Finance rewards senior citizens with an additional 0.50%* p.a. interest compared to regular depositors.

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

FD interest rates in Karimnagar vary according to tenure length, with longer commitment periods typically offering more attractive returns.

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

To prematurely close a Shriram FD in Karimnagar, submit the original deposit receipt with a Rs.1 revenue stamp, along with a request letter and a cancelled cheque. As per RBI directives, 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 "[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