Your Retirement Dreams Are Within Reach!
Build a comfortable future with a high-yield Shriram Fixed Deposit. Earn as high as 8.15%*p.a. (including 0.50%* p.a. for senior citizens & 0.05%* p.a. for women depositors)
Attractive FD Investment
Interest rates as high as 8.15%*p.a.
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% |
- Attractive FD Investment
- Interest rates as high as 8.15%*p.a.
Why Shriram Finance?
Trusted by Millions
Invest in Shriram Unnati Fixed Deposit online and enjoy higher interest rates.
High Credit Ratings
Rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research.
Attractive Returns
Get consistent returns irrespective of market fluctuations.
Benefits for Senior Citizens
Senior citizens benefit from an additional 0.50%* p.a. on their FD investments.
Calculate Returns
Investment Amount
Min
₹ 5,000
Max
₹ 10 Cr
Tenure up to
Min
12 months
Max
60 months
Interest payout term
Interest Rate
%* p.a
Maturity Amount
Your FD Gains
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.
What special interest rates are available for senior citizens with Shriram Fixed Deposits?
Senior Citizens get an extra 0.50%* p.a. on top of the standard FD rates offered by Shriram Fixed Deposits.
Is there an age requirement to qualify for senior citizen interest rates?
Yes, they should have completed 60 years on the date of deposit/renewal to qualify for senior citizen interest rates.
Can senior citizens get higher interest rates for longer tenures?
Yes, senior citizens can get higher interest rates for longer tenures.
Are there any special schemes or benefits for senior citizens besides higher interest rates?
Yes, besides higher interest rates, there may be special benefits for senior citizens, such as flexible tenure options, and easy renewal processes.
How can senior citizens open a fixed deposit account with Shriram Finance?
Senior Citizens can open a fixed deposit account using the website, Shriram One app or visit the nearest branch.
With regard 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.
Get attractive returns of up to 8.15%*p.a.