Invest in Shriram Unnati Fixed Deposit Maximise your returns & earn up to 8.05%* 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 Tirunelveli

For those looking to grow their savings with a secure and predictable approach, a Fixed Deposit in Tirunelveli offers a reliable option. By investing a fixed amount for a specified period, you can earn interest at regular intervals. This guide will walk you through the essentials of opening an FD in Tirunelveli with Shriram Finance. It covers important aspects such as available tenures, interest options, and tips for selecting the right plan based on your financial needs. Whether you're planning for short-term goals or long-term savings, this guide is designed to help you make an informed decision with confidence.

Types of Fixed Deposits

Assess these fixed deposit types to further your financial objectives.

Cumulative Fixed Deposit

This saving approach doesn't give periodic interest payments. Instead, the interest earned is combined with your principal amount. This produces a compounding effect, enabling your money to increase more efficiently over time. Interest accumulates on both your initial deposit and previously collected interest. Upon maturity, you receive the full sum - your original deposit plus all interest earned. Cumulative FDs are good for those wanting long-term growth without needing regular income, as they utilise compound interest to strengthen returns.

Non-Cumulative Fixed Deposit

With this option, you receive interest at regular intervals, giving you a steady flow of income. Your earnings are calculated using simple interest methods and can be paid monthly, quarterly, or annually. This choice delivers consistent returns and better liquidity compared to cumulative deposits, making it appropriate for handling everyday financial commitments.

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 8.05%* 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

A complete review of fixed deposit aspects and advantages plays a vital role in building effective investment tactics. The central attributes of FD encompass:

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 Tirunelveli

FD rates in Tirunelveli change according to the bank and investment timeframe. Banking organisations provide their unique set of interest rates, so it's advantageous to compare the possibilities. Whether you need periodic income or aim to build your savings over time, picking a fixed deposit that suits your financial strategy can support improved financial planning. Always check that your deposit selection matches your financial needs for more effective money management. Think about features like auto-renewal systems and nomination provisions. Shriram Fixed Deposit is Rated "CARE AAA; STABLE" By CARE Ratings Limited, "Crisil AAA/ STABLE by CRISIL Ratings Limited, and "[ICRA]AAA; TABLE" by ICRA and "IND AAA/ STABLE" by India Ratings and Research. Get an interest rate of up to 8.05%* 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. 2nd July 2026)

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. 2nd July 2026), 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	6.85
^{(Digital Only)}15	7.10
18- 23	7.05
24- 35	7.10
36-60	7.50

Shriram Unnati Fixed Deposit Interest Rate for Non-Cumulative Fixed Deposit Scheme below 10 Cr (w.e.f. 2nd July 2026)

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. 2nd July 2026), 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	6.64	6.68	6.74	6.85
^{(Digital Only)}15	6.88	6.92	6.98	7.10
18 - 23	6.83	6.87	6.93	7.05
24 - 35	6.88	6.92	6.98	7.10
36 - 60	7.25	7.30	7.36	7.50

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 Tirunelveli

Shriram Finance has determined precise eligibility standards for potential fixed deposit clients in Tirunelveli. The categories permitted to undertake fixed deposit investments in Tirunelveli involve.

- 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 Tirunelveli

Shriram Finance issues the Shriram Unnati Fixed Deposit in Tirunelveli, which can be initiated online or at a local office. It gives various durations and appropriate interest rates. Ensure your documents are organised for a straightforward application. Review the instructions below to begin a Shriram Unnati Fixed Deposit through their digital service.

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 Tirunelveli?

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

Shriram Finance supplies FD branches in Tirunelveli for overseeing or opening fixed deposits. Knowledgeable advisors assist you with account origination, renewals, and numerous enquiries. Visiting a branch helps in discovering a fixed deposit that aligns with your financial aims.

Sankar Nagar

D.No: 424, A-7, 1st Floor, Main Road, Sankar Nagar TIRUNELVELI,TAMIL NADU Pincode: 627357 Phone:18001034959

Kavalkinaru

No.9/52 D, 1st Floor, TVM Road, Kavalkinaru TIRUNELVELI,TAMIL NADU Pincode: 627105 Phone:18001036369

Sivagiri

No: 88/3, Apsara Tower, Keela Ratha Veethi, (Pandian Gramma Bank Upstairs), Sivagiri TIRUNELVELI,TAMIL NADU Pincode: 627757 Phone:18001034959

View All Branches

Shriram FD Customer Care in Tirunelveli

If you seek information concerning your fixed deposit account, you can approach the Fixed Deposit Customer Assistance team in Tirunelveli. They are accessible to supply support. The customer assistance contact particulars are noted below for quick reference.

Toll Free

Shriram FD Status in Tirunelveli

You can check your fixed deposit in Tirunelveli through the online portal or by contacting customer care. These methods provide access to your interest earnings and maturity status, helping you stay organised and informed about your deposit.

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 Tirunelveli?

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

The interest rate on FD in Tirunelveli is 8.05%* 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 Tirunelveli?

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

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

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

Yes, opening a fixed deposit account for a minor in Tirunelveli 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 Tirunelveli usually incurs a penalty, often leading to a lower interest rate on the deposit.

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

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

Can I open multiple Fixed Deposits in Tirunelveli?

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

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

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

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

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

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

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 Tirunelveli?

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 Tirunelveli?

Yes, in Tirunelveli, 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 Tirunelveli?

To close your Shriram Fixed Deposit early in Tirunelveli, 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 "CARE AAA; STABLE" by CARE Ratings Limited, "CRISIL AAA/STABLE" by CRISIL Ratings Limited, "[ICRA]AAA; STABLE" by ICRA, and "IND AAA/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