Shriram FD – Where HIGH RETURNS are more than just a PROMISE
Open an FD online & earn up to 8.15%* p.a.(Including 0.50%* p.a. for Senior Citizens and 0.05%* p.a. for Women)
50 Years of Trusted Financial Partnerships
Additional Interest Rates for Senior Citizens and Women
Seize the rates before they are gone.
| Period | General Citizen | Senior Citizen |
|---|---|---|
| 36-60 months | 7.65% | 8.15% |
| 24-35 months | 7.30% | 7.80% |
| 18-23 months | 7.20% | 7.70% |
| 15 months | 7.30% | 7.80% |
| 12 months | 7.05% | 7.55% |
- 50 Years of Trusted Financial Partnerships
- Additional Interest Rates for Senior Citizens and Women
Why Shriram Finance?
Attractive Interest Rates
Enjoy competitive interest rates up to 8.15%* p.a. (including 0.50%* p.a. for senior citizens and 0.05%* p.a. for women despositors)
Flexible Tenure Options
Choose from tenures between 12 to 60 months to suit your financial goals and needs
Flexible Payout Options
Investors can opt for regular interest payouts - monthly, quarterly, half-yearly, or yearly, for a steady income stream
Higher Credit Rating
Shriram FD is rated
"[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research.
Interest & Charges
Check the interest rates and charges for Shriram Fixed Deposit.
Interest Rates
Interest rates up to
8.15%* p.a.
Including 0.50%* p.a. for Senior Citizens
and 0.05%* p.a. for Women
Interest Rates on Fresh Deposit (w.e.f 5th August 2025)
| Period (Months) | Monthly % p.a. | Quarterly % p.a. | Half-Yearly % p.a. | Yearly % p.a. |
|---|---|---|---|---|
| 12 | 6.79 | 6.82 | 6.88 | 7.00 |
| (Digital Only)15 | 7.02 | 7.06 | 7.12 | 7.25 |
| 18 - 23 | 6.93 | 6.97 | 7.03 | 7.15 |
| 24 - 35 | 7.02 | 7.06 | 7.12 | 7.25 |
| 36 - 60 | 7.35 | 7.39 | 7.46 | 7.60 |
| Period (Months) | At Maturity % p.a |
|---|---|
| 12 | 7.00 |
| (Digital Only)15 | 7.25 |
| 18- 23 | 7.15 |
| 24- 35 | 7.25 |
| 36-60 | 7.60 |
- Interest rates are rounded off to two decimal places.
- Additional interest rate of 0.50%* p.a. will be paid for Senior citizen (Completed age 60 years on the date of deposit/renewal).
- Additional interest rate of 0.15%* p.a. will be paid on all renewals, where the deposit is matured.
- Additional interest rate of 0.05%* p.a. will be paid to Women Depositors.
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.
Can I add funds to my Fixed Deposit?
No, once a fixed deposit (FD) is booked, you cannot add additional funds to it. To invest more, you will have to open a new FD.
What is the minimum and maximum investment tenure in an FD with Shriram Finance?
The minimum tenure of a fixed deposit is 12 months and the maximum tenure is up to 60 months.
How will I receive the interest amount?
Interest on your fixed deposit will be credited to your registered bank account as per the payout frequency selected (monthly, quarterly, half-yearly or yearly). You can also choose to receive the interest at maturity along with the principal amount.
What is a maturity date?
The maturity date is when the deposit term ends, and you receive the maturity amount, which includes your original investment (principal) plus the interest earned over the term. Once the investment tenure ends, you can either withdraw the maturity amount or renew your FD
Are there any special rates for senior citizens?
Yes, Shriram Finance provides an additional 0.50%* p.a. interest rate on fixed deposit for senior citizens.
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.
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.
Open New Fixed Deposit Online