Shriram Finance Fixed Deposit Rates

According to ICRA, a AAA rating indicates the highest degree of safety regarding the timely servicing of financial obligations. According to India Ratings & Research, an AAA rating denotes the highest degree of safety regarding the timely servicing of financial obligations. 

Shriram Finance FD Interest Rates Highlights

*The interest rates are updated as of 2 July 2026. 

Shriram Finance FD

FD Interest Rates on Retail Deposits (Cumulative) w.e.f. 2 July 2026

Notes: 

•  Additional interest rate of 0.15% on renewals of matured deposits
• 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. July 2, 2026

Notes: 

•  Additional interest rate of 0.15% on renewals of matured deposits
• Additional 0.05% interest rate is offered to women FD depositors

Types of Shriram Finance Fixed Deposits

1. Cumulative Fixed Deposits

   • For investors looking to grow their savings over the investment period.
   • Minimum Deposit: ₹5,000
   • Interest Benefit: Interest is compounded monthly and paid along with the principal amount at maturity.

2. Non-Cumulative Fixed Deposits

   • Suitable for investors who prefer receiving a regular income from their fixed deposit.
   • Minimum Deposit: ₹5,000
   • Interest Payout Options: Monthly, Quarterly, Half-Yearly, or Yearly
   • Monthly Payout: Last day of every month
   • Quarterly Payout: Last day of March, June, September, and December
   • Half-Yearly Payout: Last day of March and September
   • Yearly Payout: Last day of March
   • First Interest Payout: Paid on the last day of the month following the month in which the fixed deposit is processed.

Shriram Finance FD Schemes

1. Regular Fixed Deposit

   • Minimum Deposit: ₹5,000
   • Tenure: 1 year to 5 years

2. Digital Only Fixed Deposit

   • Minimum Deposit: ₹5,000
   • Tenure: 15 months
   • Available exclusively through Shriram Finance's digital platforms

3. Jubilee Fixed Deposit

   • Minimum Deposit: ₹5,000
   • Tenure: 50 months

Features of Fixed Deposits

• Flexible Tenure: 1 to 5 years
• Higher Returns for Senior Citizens: Senior citizens are eligible for the regular FD interest rate plus an additional 0.50% p.a. and thus get higher returns.
• Extra benefit for Women: Women depositors get an additional 0.05% p.a. interest on qualifying fixed deposits.
• Renewal Benefit: The depositors who are renewing the matured FDs are given an extra 0.15% per annum Interest benefit.
• Interest Payout: Interest will be credited to the bank account of the depositor as registered with the bank, directly to their bank through NEFT.
• Nomination Facility: Every eligible fixed deposit includes the option to nominate a beneficiary.
• Auto-Renewal Options: At the time of maturity, there's a choice: renew just the principal, or carry forward both the principal and whatever interest has accrued.
• Auto Refund Facility: If the depositor chooses auto refund option, the maturity amount is automatically credited to his/her bank account on the date of maturity.

Premature Withdrawal of Fixed Deposits

• Shriram Finance FD premature withdrawal is not allowed within the first 3 months from the date of deposit or renewal (lock-in period) other than in the event of death of the depositor.
• If the FD is withdrawn after 3 months but before 6 months, no interest will be paid.
• If the FD is withdrawn after 6 months but before maturity, interest will be paid at 2% lower than the applicable FD interest rate for the actual period the deposit remained with the company.
• If no interest rate is available for the completed tenure, interest will be paid at 3% lower than the minimum rate at which the company accepts fixed deposits.