- Fixed Deposit
- Shriram Finance
- Shriram Finance Fixed Deposit (FD) Interest Rates 2025
Shriram Finance Fixed Deposit (FD) Interest Rates 2025
8.1%
Interest for 3 years
Shriram Finance FD Interest Rates 2025
| Tenure | Normal Citizen FD Rate | Senior Citizen FD Rate |
|---|---|---|
| 1 year - 1 year | 7.4% | 7.9% |
| 1 year 1 day - 1 year 2 months 29 days | 7.6% | 8.1% |
| 1 year 3 months - 1 year 5 months 29 days | 7.5% | 8% |
| 1 year 5 months 30 days - 2 years | 7.6% | 8.1% |
| 2 years 1 day - 4 years 11 months 29 days | 8.1% | 8.6% |
Note: All interest rates shown above are as on 14th May 2025
About Shriram Finance FD
Shriram Finance Limited was incorporated in 1986 and has its headquarters in Chennai. In November 2022, Shriram Group’s entities – Shriram Capital Limited, Shriram City Union Finance Limited and Shriram Transport Finance Company Limited merged to form Shriram Finance Limited. Shriram Finance offers home loans, car loans, two-wheeler loans, credit solutions for commercial vehicles, gold loans, and personal and small business loans. As of December 2022, Shriram Finance has 2,901 branches across India. The total AUM as of December 2022 stood at INR 1.77 lac crores. Shriram Finance’s Fixed Deposits have an AA+ (Stable) Credit Rating.
7.4% - 8.1%
FD Rate
7.9% - 8.6%
FD Rate for Seniors
₹ 5000
Minimum Deposit
₹ 5 Crores
Maximum Deposit
-
Lock-in
-
FD Tenure
-
Loan against FD
AA+ (Stable)
CRISIL Rating
Shriram Finance FD Returns Based on Investment Amount
| Investment Amount | For 3 years with interest of 8.1% | For 5 years with interest of 8.1% |
|---|---|---|
| ₹ 50,000 | ₹ 63,701 | ₹ 74,863 |
| ₹ 1 lakh | ₹ 1,27,403 | ₹ 1,49,726 |
| ₹ 2 lakh | ₹ 2,54,806 | ₹ 2,99,453 |
| ₹ 5 lakh | ₹ 6,37,014 | ₹ 7,48,632 |
| ₹ 10 lakh | ₹ 12,74,028 | ₹ 14,97,264 |
Compare Shriram Finance Fixed Deposit Returns with Top Banks
Use FD calculator to change values and compare your returns from top banks.
 | | |
|---|---|---|
| Maturity Amount | ₹ 1,07,656 | ₹ 1,05,904 |
| Total Investment Amount | ₹ 1,00,000 | ₹ 1,00,000 |
| Total Interest Gained | ₹7,656 | ₹ 5,904 |
Compare Shriram Finance Fixed Deposit Rates with Top Banks
| Bank Name | FD Interest Rates |
|---|---|
 | 5.75% - 6.25% |
 | 7% - 7.5% |
 | 7.25% - 7.75% |
 | 6.9% - 7.4% |
 | 7.1% - 7.1% |
 | 6.9% - 7.4% |
 | 6% - 6.5% |
 | 6.9% - 7.4% |
 | 7.1% - 7.6% |
 | 6.75% - 7.25% |
Calculate Shriram Finance FD Returns
₹1,00,000
Total Investment
7,656
Wealth Gained
₹1,07,656
Maturity Amount
Book a free call to get expert insights on your existing investments.
Shriram Transport Finance Company Ltd. (STFC) is a commercial vehicle finance company. It is also an NBFC that offers savings products like FDs. Shriram Finance FDs are rated FAAA and MAA+ by CRISIL and ICRA, respectively. This article covers Shriram Finance FD, its types and interest rates in detail.
Types of Shriram Finance FD Schemes
Shriram Finance offers two types of FD schemes, namely cumulative and non-cumulative. Following are the features of each of these schemes.
Non-Cumulative FD Scheme
- Tenure: The tenure of Non-Cumulative FD is available in 12, 24, 36, 48 and 60 months.
- Minimum investment: The minimum investment is INR 5,000, and deposits can be only in multiples of INR 1,000.
- Premature withdrawal: No premature withdrawal up to 3 months of the deposit. If the deposit is withdrawn before six months, but after three months, then no interest will be paid. However, if the deposit is withdrawn after six months, Shriram Finance charges a penalty of 2% on the contracted interest rate.
- Auto-renewal and auto refund: Shriram finance allows auto-renewal and also an auto refund of the non-cumulative fixed deposit.
- Safety: Shriram Finance FDs are rated ‘FAAA or Stable’ by CRISIL and ‘MAA+ or with a stable outlook’ by ICRA. These indicate the highest degree of safety and high credit quality, respectively, hence investing in Shriram Finance FD is safe.
Cumulative FD Scheme
- Tenure: The tenure of Cumulative FD is available in 12, 24, 36, 48 and 60 months.
- Minimum investment: The minimum investment in cumulative FD is INR 5,000, and deposits can be only in multiples of INR 1,000.
- Premature withdrawal: No premature withdrawal up to 3 months of the deposit. If the cumulative FD is withdrawn before six months but after three months, then no interest will be paid. However, if the deposit is withdrawn after six months, Shriram Finance charges a penalty of 2% on the contracted interest rate.
- Auto-renewal and auto refund: Shriram finance allows auto-renewal and auto refund of the cumulative fixed deposit.
- Safety: Shriram Finance FDs are rated ‘FAAA or Stable’ by CRISIL and ‘MAA+ or with a stable outlook’ by ICRA. These indicate the highest degree of safety and high credit quality, respectively, hence investing in Shriram Finance FD is safe.
Eligibility To Open a Shriram Finance FD Deposit Account
Following is the eligibility criteria for opening a fixed deposit account with Shriram Finance:
- Individuals
- Partnerships
- Companies
- Hindu Undivided Family (HUF)
- Trusts and Foundations
- Unincorporated associations
- Body of Individuals
- NRIs
How to Open a Shriram Finance FD Deposit Account?
One can open a Shriram Finance FD account through various modes such as internet banking, mobile app and offline.
Internet Banking
The following steps will help an individual to open a Shriram Finance FD account through internet banking:
- Firstly, go to Shriram Finance Website.
- On the menu tab, click on products.
- Under products, select ‘Deposits’ and click on ‘Fixed Deposits.’
- On the fixed deposits page, click on ‘Invest now’.
- Enter all the necessary details, including nominee details.
- Provide payment and maturity details and make the payment towards the FD.
- Accept the terms and conditions and then click on ‘Submit’ to open an FD account with Shriram Finance.
Through Mobile App
MyShriram App
- Following are the steps to invest in Shriram Finance FD using the MyShriram App:
- Download the MyShriram App
- Under products, click on ‘Deposits’ and select ‘Fixed Deposits’.
- Enter all the necessary details, including nominee, payment and maturity instructions.
- Verify all the details and accept the terms and conditions and ‘Submit’ to open an FD account with Shriram Finance using their Mobile App.
Offline Shriram Finance FD Opening
To open a Shriram Finance FD, visit the nearest Shriram Finance branch, fill in the FD application form with all the necessary details, and submit all necessary documents. Upon successful opening of the FD account, Shriram Finance will provide an FD receipt.
Documents Required to Open a Shriram Finance FD Deposit Account
Following are the documents that one requires to open an FD account with Shriram Finance:
- Pan Card or Form 60 as defined in Income Tax Rules, 1962
- Latest photographs
- Copy of Officially Valid Documents (OVD) like Passport, Aadhar Card, Voter ID, NREGA Job Card, Driving License, or letter by National Population Register with name and address.
- For a company, certificate of incorporation, memorandum and articles of association, proof of identity and address.
- Registration certificate and partnership deed for a partnership firm
- HUF declaration for a HUF
- Any other documents as required by Shriram Finance
Frequently Asked Questions
What is the highest Shriram Finance FD rate today?
What is the highest interest rate on Shriram Finance 1 year FD scheme?
What is Shriram Finance FD scheme interest rate for 5 years?
How many years FD will double in Shriram Finance?
What is Shriram Finance FD minimum deposit amount?
What is senior citizen fixed deposit interest rates in Shriram Finance?
What are the available FD tenures in Shriram Finance?
What is Shriram Finance FD ROI for 10 lakh deposit for 1 year?
The interest from the Shriram Finance FD calculator for 10 lakh deposit for 1 year will be INR 76,562. The maturity value will be INR 10,76,562. You can use Scripbox’s FD Calculator to determine the maturity value of your investment.
How to check the fixed deposit balance in Shriram Finance?
How many FDs can be opened in Shriram Finance?