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Fixed Investment Plan Overview

Fixed Investment Plan Features and Benefits

Trusted by millions of customers, Shriram Fixed Investment Plan can yield you remarkable returns on your investment

Higher returns

Earn as high as 9.20%* p.a.

Unlock the potential to earn interest rates up to 9.20%* p.a. with our Fixed Investment Plan. Get attractive returns on your investment.

Goal-Based Savings

Flexible Instalment Options

Choose from flexible instalment options from 12 to 48 months to suit your financial goals and aspirations.

Guaranteed Returns

Diverse Tenure Options

Fixed Investment Plan tenure options ranges from 23 to 59 months, offering diverse investment durations.

Regular Reminders

Flexibility to Convert into FD

Investors have the option to either convert their FIP into an FD (Fixed Deposit) or redeem the full amount on maturity.

Wide Range of Vehicle Loans

Security and Credibility

Rest assured with a higher credit rating of "[ICRA]AA+ (Stable)" by ICRA and Rated "IND AA+/Stable" by India Ratings and Research.

View How Your FIP Investment Works

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    Raju chooses an FIP instalment period of 22 months and pays his monthly instalments diligently during this period.

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    In addition to crediting interest for the instalment period of 22 months, Shriram Finance also offers an additional 12-month maturity period from the last instalment due date for the investment with the same interest rate.

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    Raju benefits from the interest on his investment for 33 months, even though he has made instalment payments for just 22 months showcasing a favourable return on his investment.

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Fixed Investment Plan Calculator

Calculate your Fixed Investment Plan earnings online with our FIP calculator

Investment Summary

Interest Rate %



Interest Earned

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How to Invest in a Fixed Investment Plan?

Invest in a Fixed Investment Plan Online in 4 simple steps.

How to apply?
  • Step 01

    Enter using your mobile number
  • Step 02

    Enter PAN details , Monthly Instalment Amount and choose your Number of Instalments
  • Step 03

    Complete your payment and proceed to verify your KYC and bank details
  • Step 04

    Receive the Fixed Investment Plan receipt and maximise your returns

Fixed Investment Plan Eligibility

Know your Fixed Investment Plan eligibility criteria

Who can apply?

Resident Individuals

Note: This plan is open to Resident Individual Depositors (Individual, Minor and Senior Citizen) only

Fixed Investment Plan Interest Rates

Interest Rates

  • Interest Rates up to 
    9.20%* p.a.

  • Including 0.50%* p.a. for Senior Citizens
    and 0.10%* p.a. for Women


How much should I invest in a Fixed Investment Plan (FIP)?

Fixed Investment Plan can be started with a minimum investment of ₹1000 which can thereby be increased in multiples of ₹500 ranging up to a maximum of ₹1 Crore.

What are the benefits of investing in a Fixed Investment Plan (FIP)?

Features and Benefits of Fixed Investment Plans are:

It is a high return investment with interest ranging up to 9.20%* p.a.

Provides assured returns, regardless of market fluctuations.

It has flexible investment instalment option made available for the depositors to choose from 12 to 48 Nos with the tenure of 24 to 59 months for the maturity.

Investors can invest as little as ₹1,000 per month.

 How to close my Fixed Investment Plan (FIP) account?

To close your Fixed Investment Plan account, contact your financial institution or investment provider and follow their specific account closure procedure, which may involve filling out a closure request form and providing necessary documentation.

How to track my Fixed Investment Plan (FIP) performance?

Investors can track their Fixed Investment Plan details by logging in to the "Customer Portal" and they can download their investment statement.

Which Fixed Investment Plan (FIP) is best for me?

Investors can choose from the flexible instalment period based on their financial goals and personalise their Fixed Investment Plan according to their needs.

Can I invest in a Fixed Investment Plan (FIP) for my child?

Yes, Fixed Investment Plan is open to all Resident Individual Depositors in India which includes individuals, minors, senior citizens .

How can I calculate the returns on my Fixed Investment Plan (FIP)?

Calculating your Fixed Investment Plan returns Online is a simple and instantaneous process. All you have to do is provide details such as investment amount, select the instalment period preferred and calculate your returns within seconds.

Can I withdraw money from a Fixed Investment Plan (FIP) before maturity?

You can withdraw one or more instalments from your Fixed Investment Plan (FIP) as long as they have been active for more than 3 months since you made the respective instalment payment. If an FIP instalment hasn't reached 3 months yet, you won't be able to make a premature withdrawal.

How can I start a Fixed Investment Plan (FIP)?

Investing in a Fixed Investment Plan Online is a quick and easy 4 step process. Alternatively, one can also visit the nearest Shriram Finance branch to open an FIP offline.

What are the risks of investing in a Fixed Investment Plan (FIP)?

Choosing a Fixed Investment Plan (FIP) is a low-risk investment decision. With its guaranteed and steady returns for the selected duration, FIP becomes an attractive choice for investors who prefer safety in their investments.

How does a Fixed Investment Plan (FIP) work?

A Fixed Investment Plan (FIP) provides the flexibility of a monthly savings plan along with the compounded yield of a fixed investment. You make monthly contributions for the chosen number of instalments. When last instalment due is paid on the due date, the total amount is locked in as a fixed deposit for a year, with the invested amount earning interest during that time.


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

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.

Maximise savings with a Fixed Investment Plan