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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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Shriram Finance FD Interest Rates (p.a.) Highlights |
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| 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 January 2026
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
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
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