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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 Thiruvananthapuram

Managing your money wisely can make a real difference, especially when you’re aiming for steady financial growth. A Fixed Deposit in Thiruvananthapuram is one such option that lets you set aside a certain amount for a fixed period while earning regular interest. This guide is designed to help you understand how an FD in Thiruvananthapuram with Shriram Finance works. It covers key details like interest payout options, deposit tenures, and things to keep in mind while choosing a plan. If you’re looking for a structured way to save and plan ahead, this guide can support your financial decisions with clarity.

Types of Fixed Deposits

Consider these fixed deposit varieties to bolster your financial aspirations

interest rates

Cumulative Fixed Deposit

This investment approach doesn't offer periodic interest payments. Instead, the interest earned is added back to your principal sum. This creates a compounding effect, enabling your capital to increase more efficiently over time. Interest accumulates on both your initial deposit and previously earned interest. At maturity, you receive the full amount - your original deposit plus all interest gained. Cumulative FDs are suitable for those seeking long-term growth without requiring regular income, as they use compound interest to boost returns.

achievement

Non-Cumulative Fixed Deposit

With this alternative, you receive interest at regular intervals, providing a steady income stream. Your earnings are determined using simple interest methods and can be disbursed monthly, quarterly, or yearly. This choice delivers consistent returns and better access to your funds compared to cumulative deposits, making it appropriate for meeting day-to-day 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.

Also, our FDs can be used for various other financial goals

  • FD for Wedding Expenses
  • FD for Home Expenses
  • Fixed Deposit for Children
  • FD for Retirement Fund

The FD interest rate is 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 a Non-Cumulative Fixed Deposit pay out interest at regular intervals (monthly, quarterly, half-yearly, or yearly).

Shriram Fixed Deposit Features and Benefits

Proper consideration of fixed deposit features and benefits is important in developing functional investment approaches. The essential aspects of FD comprise

Flex Tenure
Compounding benefitsCompounding benefits
Attractive Interest
Special interest benefit for senior citizens and women depositorsSpecial interest benefit for senior citizens and women depositors
Compounding Benefit
Cumulative and non-cumulative schemesCumulative and non-cumulative schemes
Static Alt Text
Low minimum investment amountLow minimum investment amount
Predictable Return
Flexible tenureFlexible tenure
Cumulative
Predictable returnsPredictable returns
Low Investment
Attractive interest ratesAttractive interest rates

Shriram Fixed Deposit Interest Rates in Thiruvananthapuram

FD rates in Thiruvananthapuram fluctuate according to the bank and tenure timeframe. Each institution provides its own interest rates, making it valuable to compare alternatives. Whether you desire periodic income or hope to expand your savings over time, opting for a fixed deposit that complements your financial strategy can lead to better financial planning. Always confirm that your deposit selection matches your financial requirements for more efficient money handling. Think about features like auto-renewal options and nomination provisions. Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research. GGet an interest rate of up to 8.15%* p.a. inclusive of 0.50%* p.a. for Senior Citizens and 0.05%* 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.

Note: Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit / renewal.

The above additional interest rates will be applied on the yearly rate, which will be factored correspondingly into the calculation of compounding interest rates for periods shorter than a year, including monthly, quarterly, and half-yearly rates.

Fixed Deposit Returns Calculator

STEP 01

I am a Senior Citizen

STEP 02

I am a Woman

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Investment amount

₹

STEP 04

Tenure up to

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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 Thiruvananthapuram

Shriram Finance has created specific eligibility parameters for would-be fixed deposit customers in Thiruvananthapuram. The categories authorised to make fixed deposit investments in Thiruvananthapuram include

  • IndividualEligibility Criteria
    • Non-Resident Indians (NRIs)
    • Trust and Foundation
    • Unincorporated Association or Body of Individual
    • Companies
    • Hindu Undivided Family
    • Indian Residents
    • Partnership Firm

How to Invest in Fixed Deposit with Shriram in Thiruvananthapuram

Shriram Finance proposes the Shriram Unnati Fixed Deposit in Thiruvananthapuram, available electronically or at a physical branch. It features variable terms and proper interest rates. Ready your paperwork for a streamlined process. Apply the directions below to establish a Shriram Unnati Fixed Deposit via their internet platform.

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 Thiruvananthapuram?

Upon your deposit's maturity date, you get the opportunity to renew your Shriram FD in Thiruvananthapuram and preserve fixed deposit advantages. Renewal may be arranged through the website or application, or at a physical branch. Apply the directions below to renew your fixed deposit electronically.

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 Thiruvananthapuram

Shriram Finance maintains FD branches in Thiruvananthapuram for coordinating or opening fixed deposits. Informed staff will direct you through account establishment, renewals, and various concerns. Going to a branch assists you in selecting a fixed deposit that suits your financial needs.

Pothencode

  • Ground Floor, Aameen Tower, Opposite Union Bank of India, Pothencode THIRUVANANTHAPURAM,KERALA Pincode 695317 Phone18001034959

Thiruvananthapuram - II

  • Golden Palace Plaza, First Floor, Estate Road, Front Side, Door No./Tc.No.53/372/5, Pappanamcode THIRUVANANTHAPURAM,KERALA Pincode 695018 Phone18001034959

Kallara

  • Varuvilakathu Building, 1st Floor, Opposite Federal Bank, Kallara Panchayath, Kallara THIRUVANANTHAPURAM,KERALA Pincode 695608 Phone18001036369
View All Branches

Shriram FD Customer Care in Thiruvananthapuram

If you wish to know more about your fixed deposit account, you can engage with the Fixed Deposit Customer Service team in Thiruvananthapuram. They are ready to provide help. The customer service contact specifics are indicated below for simple access.

Toll Free

Shriram FD Status in Thiruvananthapuram

Checking your fixed deposit in Thiruvananthapuram is easy through the online portal or by reaching out to customer care. Both methods provide updates on interest and maturity, helping you manage and review your deposit as needed.

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Fixed Deposit FAQs

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

The minimum deposit amount for a fixed deposit in Thiruvananthapuram for Shriram FD is Rs.5000, with deposits accepted in multiples of Rs.1,000.

What is the interest rate on Fixed Deposits in Thiruvananthapuram?

The interest rate on FD in Thiruvananthapuram 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 Thiruvananthapuram?

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

Yes, you can withdraw a fixed deposit before its maturity in Thiruvananthapuram; however, this may involve a penalty, typically resulting in a reduced interest rate.

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

Yes, opening a fixed deposit account for a minor in Thiruvananthapuram is possible with Shriram Finance, provided the guardian consents and submits the necessary documents.

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

Yes, withdrawing a fixed deposit before maturity in Thiruvananthapuram usually incurs a penalty, often leading to a lower interest rate on the deposit.

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

Yes, you can update the nominee for your FD in Thiruvananthapuram by submitting a formal request along with valid identification for the new nominee.

Can I open multiple Fixed Deposits in Thiruvananthapuram?

Yes, you are allowed to open multiple fixed deposits in Thiruvananthapuram, either within the same financial institution or across different ones.

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

Generally, there is no upper limit on the amount you can invest in a fixed deposit in Thiruvananthapuram unless specified by particular schemes.

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

Yes, a fixed deposit can be opened jointly in Thiruvananthapuram, subject to the terms and conditions of the financial institution.

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

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 Thiruvananthapuram?

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 Thiruvananthapuram?

Yes, in Thiruvananthapuram, fixed deposit interest rates may vary based on the chosen tenure, with different durations attracting different rates.

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

To close your Shriram Fixed Deposit early in Thiruvananthapuram, submit the original deposit receipt with a Rs.1 revenue stamp, a request letter, and a cancelled cheque. According to RBI guidelines, premature closure within three months is not permitted unless due to the depositor's 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.