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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 Ramagundam

A Fixed Deposit in Ramagundam offers residents a trusted way to preserve and grow their hard-earned money with minimal risk. The FD in Ramagundam options available provide clear terms and predictable outcomes that many investors value. This guide outlines what you need to know about fixed deposits including current rates and minimum investment requirements, helping you understand how to select plans that align with your personal financial goals and 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 method where interest earned isn't distributed but instead combined with your principal amount. This compounding advantage enhances your total returns as interest accrues on an increasingly larger sum. Upon completion of the term, you receive everything at once your initial investment plus all accumulated interest. Cumulative FDs are ideally suited for investors who prioritise maximum growth and don't require immediate access to their interest earnings.

achievement

Non-Cumulative Fixed Deposit

A Non-Cumulative Fixed Deposit offers interest at set intervals, creating a dependable cash flow. It's perfectly suited for those requiring a consistent income. The interest calculation uses simple interest methodology and can be paid monthly, quarterly, or yearly. This deposit type provides predictable returns and greater accessibility to your earnings compared to cumulative options, making it appropriate for handling regular 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

Fixed deposits remain a trusted investment option for many reasons. Let's explore the primary features and benefits of FD that continue to attract investors of all ages.

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 Ramagundam

The FD rates in Ramagundam reveal considerable disparities between banking institutions and financial corporations. Conducting thorough market research is vital to maximise your investment benefits. Interest yields are commonly determined by aspects including investment duration and the characteristics of the financial service provider presenting the fixed deposit opportunity. 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 Ramagundam

Before establishing a fixed deposit account, you should meet designated fixed deposit eligibility specifications in Ramagundam. Typically, these eligible categories include

    • 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 Ramagundam

Shriram Finance provides attractive interest rates and flexible tenures on its Shriram Unnati Fixed Deposit. You can begin a fixed deposit account online or visit a local branch to complete registration procedures. Arrange all necessary identification and address documents for an efficient experience. Usually, the steps detailed below demonstrate how to invest in FD online in Ramagundam.

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 Ramagundam?

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

FD branches in Ramagundam are established by Shriram Finance to accommodate your fixed deposit requirements. These service centres are staffed with skilled professionals who offer expert advice on how to open fixed deposit accounts or manage your current Unnati Fixed Deposit Scheme investments. Shriram Finance branch locations in Ramagundam

Peddapally

  • D.No.4-4-10, 4-4-11, 4-4-12, 1st Floor, Opposite Thumsup Godown, Near Kaman, Karimnagar Road PEDDAPALLI,TELANGANA Pincode: 505172 Phone:18001034959

Peddapally - I

  • Door No.3-2-3, Bharatiya Complex, Near Janda Chowrasta PEDDAPALLI,TELANGANA Pincode: 505172 Phone:18001034959

Miyapur

  • Plot No.8-9-14/15, Ground Floor, Behind KFC, Madhinaguda HYDERABAD,TELANGANA Pincode: 500049 Phone:18001034959
View All Branches

Shriram FD Customer Care in Ramagundam

Should you need any information or assistance regarding your fixed deposit, our Customer Care professionals are prepared to help. For immediate support with your investment questions, please contact us at these telephone numbers.

Toll Free

Shriram FD Status in Ramagundam

To inquire about your Fixed Deposit status in Ramagundam, you can leverage Shriram Finance’s online services or contact our support team. Periodic status checks enable you to stay informed regarding your investment's maturity timeframe and interest accumulation.

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Fixed deposit in Punjab

Fixed Deposit FAQs

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

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

The interest rate on FD in Ramagundam 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 Ramagundam?

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

Yes, premature withdrawal of a fixed deposit is allowed in Ramagundam; however, it may incur penalties or reduced interest rates. It’s advisable to check the specific terms before proceeding.

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

Yes, you can open a fixed deposit account in the name of a minor with a guardian's consent with Shriram Fixed Deposit.

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

Yes, there is usually a penalty for premature withdrawal of a fixed deposit. This penalty often involves a reduction in interest rates applicable to the deposit.

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

Yes, you can change the nominee for your FD account in Ramagundam. This process typically requires submitting a request form along with valid identification details of the new nominee.

Can I open multiple Fixed Deposits in Ramagundam?

Yes, you can open multiple fixed deposits in Ramagundam across different financial institutions or within the same financial institution.

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

Generally, there is no upper limit; however, some financial institutions may have specific schemes with defined limits.

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

Yes, you can open a fixed deposit account in a joint account in Ramagundam subject to the financial institution’s terms and conditions.

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

Yes, many financial institutions offer additional fixed deposit interest rates for senior citizens compared to regular deposits. For instance, Shriram Finance offers 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 Ramagundam?

Shriram Finance offers an additional 0.50%* p.a. interest rate for senior citizens compared to regular depositors.

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

Yes, FD interest rates can differ based on tenure. Typically, longer tenures may offer higher interest rates compared to shorter ones due to the extended commitment from the depositor.

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

To close a Shriram FD prematurely, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to the direction of the RBI, a deposit receipt cannot be prematurely closed before three months from the date of deposit/renewal except in case of death of the depositor.

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.