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Shriram Finance Fixed Deposit Rates

Home Fixed Deposit Shriram Finance Fixed Deposit Rates

Shriram Finance offers FD interest rates of 7.00-7.60% p.a. to general public and 7.50-8.10% p.a. to senior citizens on tenures ranging from 1 year to 5 years. This NBFC has been accredited with a credit rating of AA+/Stable by ICRA and IND AA+/Stable by India Ratings and Research. As per the ICRA, AA rating indicates high-credit-quality with low credit risk for the depositor. As per India Ratings & Research, AA indicates high degree of safety regarding timely servicing of financial obligations by the NBFC.

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Updated: 12-09-2025 11:06:30 AM

Shriram Finance FD Interest Rates (p.a.) Highlights
Highest slab rate 7.60% p.a. (for 3 years to 5 years)
For 1 year 7.00% p.a.
For 2 years 7.25% p.a.
For 3 years 7.25% p.a.
For 4 years 7.25% p.a.
For 5 years 7.25% p.a.

The interest rates are updated as of 12 September 2025

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Shriram Finance FD

FD Interest Rates on Retail deposits (cumulative) w.e.f. 5 August 2025

Tenure Interest Rates (% p.a. at monthly rests)
Regular Citizens Senior Citizens
12 months 7.00 7.50
15 months (digital only) 7.25 7.75
18 months – 23 months 7.15 7.65
24 months – 35 months 7.25 7.75
36 months – 60 months 7.60 8.10

Notes: 1. Additional interest rate of 0.15% on renewals of matured deposits

2. Shriram Finance offers an additional 0.05% interest rate over and above regular FD rates to women FD depositors

Also Check: Shriram Finance FD Calculator

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Fixed Deposit Interest Rates on Retail deposits (non-cumulative) w.e.f. 5 August 2025

Tenure  Interest Rates (% p.a.)
Monthly Quarterly Half Yearly Yearly
12 months 6.79 6.82 6.88 7.00
15 months 7.02 7.06 7.12 7.25
18 months – 23 months 6.93 6.97 7.03 7.15
24 months – 25 months 7.02 7.06 7.12 7.25
36 months – 60 months 7.35 7.39 7.46 7.60

Notes: 1. Additional interest rate of 0.25% on renewals of matured deposits

2. Additional 0.10% interest rate is offered to women FD depositors

Types of Shriram Finance Fixed Deposits

  • Cumulative Fixed Deposits
    • Minimum deposit amount: Rs 5,000
    • The interest earned is compounded monthly along with the principal for the invested tenure
  • Non-Cumulative Fixed Deposits
    • Minimum deposit amount: Rs 5,000
    • The interest is payable in monthly, quarterly, half-yearly, or annual installments
    • The interest for non-cumulative deposits will be paid as per below:
      • Monthly Pay-out – Last day of every month
      • Quarterly Pay-out – Last day of March/June/September/December
      • Half Yearly Pay-out – Last day of March/September
      • Yearly Pay-out – Last day of March
      • The first interest is paid on the last day of the following month on which fixed deposit is processed

Shriram Finance FD Schemes

Regular FD

  • Minimum deposit amount: Rs 5,000
  • Tenure: 1 year to 5 years

Digital Only FD

  • Minimum deposit amount: Rs 5,000
  • Tenure: 15 months

Jubilee FD

  • Minimum deposit amount: Rs 5,000
  • Tenure: 50 months

Features of Fixed Deposits

  • Tenure: 1 year to 5 years
  • Additional 0.50% interest rate is offered to senior citizen FD depositors
  • Additional 0.10% interest rate is offered to women FD depositors
  • Additional interest rate of 0.25% on renewals of matured deposits is offered to depositors
  • The interest amount is directly credited to the depositor’s bank account through the NEFT only
  • Nomination facility is available
  • Auto-renewal facility is also available and depositors can opt for any one of the following options:
    • Renew principal only on maturity
    • Renew both principal and interest on maturity
  • The NBFC also offers an Auto refund facility wherein the maturity amount will be credited to the account on the maturity date.

Premature Withdrawal of Fixed Deposits

  • Premature withdrawal of fixed deposits is not allowed for up to 3 months (lock-in period) from the date of the deposit/renewal, except in case of the death of the depositor
  • No interest will be paid if FD has withdrawn after 3 months but before 6 months
  • In case FD is withdrawn after 6 months but before the date of maturity, interest will be paid at 2% lower than the actual interest rate applicable to FD for the tenure for which the deposit has run
  • In case no interest rate is specified for that period, then interest will be paid at 3% lower than the minimum rate at which FD was accepted by the company

 

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