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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 Khammam

Khammam's growing economy makes it an ideal place to consider financial growth options. A Fixed Deposit in Khammam provides residents with a straightforward path to build savings without complicated investment strategies. FD in Khammam combines simplicity with reliability, making them popular among income earners of all levels. This guide explores the key features of fixed deposits, including current interest rates and selection tips that help you match your investment to your personal financial timeline.

Types of Fixed Deposits

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

interest rates

Cumulative Fixed Deposit

A cumulative fixed deposit is a savings approach where interest earned isn't distributed but instead added back to your principal sum. This compounding benefit enhances your overall yield as interest accrues on an increasingly larger amount. When the term concludes, you receive one payment containing both your initial investment and all accumulated interest. Cumulative FDs are particularly beneficial for those focused on long-term wealth creation without needing immediate income.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit provides interest at defined intervals, creating a consistent income flow. It's ideally suited for those requiring regular financial support. Interest is calculated using simple interest methods and can be received monthly, quarterly, or yearly. This option offers reliable returns and improved access to your earnings compared to cumulative options, making it well-matched for handling ongoing 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

Wondering if a fixed deposit is right for you? This overview of the primary features and benefits of FD will help clarify what this investment option offers.

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 Khammam

The FD rates in Khammam fluctuate substantially across diverse banking and non-banking financial companies. Comprehensive assessment of available rates is imperative for enhancing investment proceeds. Interest percentages generally depend on factors such as lock-in period length and the nature of the institution extending the fixed deposit product. 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

months

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 Khammam

When creating a fixed deposit account, you need to comply with defined fixed deposit eligibility parameters in Khammam. The eligibility spectrum typically encompasses.

    • 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 Khammam

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can start a fixed deposit account online or physically visit a branch to conclude the application formalities. Prepare all necessary documentation beforehand for a straightforward experience. Generally, these sequential steps illustrate how to invest in FD online in Khammam.

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 Khammam?

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

FD branches in Khammam are available through Shriram Finance to serve your fixed deposit interests. These offices are staffed with qualified professionals who provide expert consultation on how to open fixed deposit accounts or manage your current Unnati Fixed Deposit Scheme investments. Shriram Finance branch information for Khammam.

Khammam

  • 6-1-50, Harini Complex, Opposite Dwaraka Bazar, Wyra Road KHAMMAM,TELANGANA Pincode: 507002 Phone:18001036369

Khammam - II

  • 2nd Floor, Plot No.17, Survey No.73, Opposite Ganesh Traders, Bhavanipuram Bypass Road KHAMMAM,TELANGANA Pincode: 507002 Phone:18001036369

Khammam - III

  • 11-4-12/15, 2nd Floor, SBI Building, Wyra Road KHAMMAM,TELANGANA Pincode: 507001 Phone:18001036369
View All Branches

Shriram FD Customer Care in Khammam

Have questions or need help with your fixed deposit account? Our Customer Care team is available to provide support. For direct assistance with your investment matters, please contact us using the telephone numbers detailed below.

Toll Free

Shriram FD Status in Khammam

When checking your Fixed Deposit status in Khammam, Shriram Finance offers convenient online services and responsive customer care options. Keeping tabs on your FD status allows you to plan effectively for maturity dates and understand your interest earnings.

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 Khammam?

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

The interest rate on FD in Khammam 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 Khammam?

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

Fixed deposit premature withdrawals are permitted in Khammam, though they may attract penalties or reduced interest. Reviewing the specific conditions is advisable before proceeding.

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

Shriram Fixed Deposit in Khammam allows opening a fixed deposit account for minors with appropriate guardian oversight.

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

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

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

To change your FD nominee in Khammam, submit a formal request along with valid identification documentation for the new nominee.

Can I open multiple Fixed Deposits in Khammam?

You can maintain multiple fixed deposits in Khammam, distributed across various financial institutions or as multiple accounts with one provider.

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

Generally, there's no upper limit for fixed deposit investments in Khammam, though individual schemes at specific institutions may have their own maximums.

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

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

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

Many financial institutions in Khammam 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 Khammam?

In Khammam, Shriram Finance offers senior citizens an additional 0.50%* p.a. interest compared to regular depositors.

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

FD interest rates in Khammam vary by tenure length, with longer commitment periods typically rewarded with more favourable rates.

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

For premature closure of a Shriram FD in Khammam, submit the original deposit receipt affixed with a Rs.1 revenue stamp, accompanied by a written request and a cancelled cheque. According to RBI guidelines, deposits cannot be prematurely 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.