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Shriram Finance Fixed Deposit Rates
Shriram Finance FD rates are up to 7.85% for general citizens and up to 8.35% p.a. for senior citizens, effective from 11th October 2026. The tenure range for Shriram Finance FD is from 12 months to 60 months for deposits up to ₹10 crores.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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Fixed Deposits
- Shriram Finance FD Rates
Shriram Finance FD Rates Up to ₹10 Crores
The highest Shriram Finance FD rate is 7.50% p.a. for general depositors and up to 8.00% p.a. for senior citizens, effective from 11th October 2026 (last verified in October 2026) for Shriram Unnati Fixed Deposit up to ₹10 Crore:
| Period (Months) | General (p.a.) | Senior Citizen (p.a.) |
|---|---|---|
| 12 | 7.00% | 7.50% |
| 15 (Digital Only) | 7.50% | 8.00% |
| 18-23 | 7.25% | 7.75% |
| 24-35 | 7.25% | 7.75% |
| 36-60 | 7.50% | 8.00% |
*Shriram Finance FD rates for deposit normal scheme w.e.f. 11th October 2026
Shriram Unnati Fixed Deposit Interest Rate Up to ₹10 Cr – Non-Resident Individual
The highest Shriram Finance FD rates for NRIs are up to 7.85% p.a. for general citizens and up to 8.35% p.a. for senior citizens, effective from 11th October, 2026 (last verified in October 2026):
| Period (Months) | General Citizens (p.a.) | Senior Citizens (p.a.) |
| 12 | 7.00% | 7.50% |
| 18-23 | 7.25% | 7.75% |
| 24-35 | 7.50% | 8.00% |
| 36-60 | 7.85% | 8.35% |
Shriram Finance Bulk Deposit Interest Rates w.e.f. 11th October 2026
Features of Shriram Finance Fixed Deposit Rates
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Flexible Tenure: 1 to 5 years
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Higher Returns for Senior Citizens: Senior citizens can earn higher returns with an additional 0.50% p.a. interest over regular rates.
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Extra benefit for Women: Women depositors get an additional 0.05% p.a. interest on qualifying fixed deposits.
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Nomination Facility: Every eligible fixed deposit includes the option to nominate a beneficiary.
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Loan Against FD Facility: Depositors can avail of a Shriram Finance loan facility against FD up to 75% without breaking the FD. The deposit continues to earn interest during the loan period.
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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.
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Auto Refund Facility: If the depositor chooses the auto refund option, the maturity amount is automatically credited to his/her bank account on the date of maturity.
Shriram Finance Premature Withdrawal Fixed Deposits
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Shriram Finance FD premature withdrawal is not allowed within the first 3 months from the date of deposit or renewal (lock-in period) except in the event of death of the depositor.
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If the FD is withdrawn after 3 months but before 6 months, no interest will be paid.
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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.
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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.
FAQs
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What is the interest rate for fixed deposits at Shriram Finance?
Shriram Finance FD rates range from 7.00% to 7.85% p.a. for general citizens and from 7.50% to 8.35% p.a. for senior citizens, effective from 11th October 2026. -
What is the interest rate for Shriram Finance monthly income scheme?
Shriram Finance offers a non-cumulative FD scheme that pays regular interest every month, with interest rates starting from 6.79% p.a. to 7.58% p.a. for deposits up to ₹10 crores, effective from 11th October 2026. -
What is the monthly interest earned on a 1 lakh Fixed Deposit?
The minimum tenure ranges from 12 months to 60 months for Shriram Finance FD. -
What are the benefits given to senior and women citizens under the Shriram Finance FD scheme?
Senior citizens get 0.50% per annum, which goes up to 8.35% p.a., which is generally higher than the other senior citizens FD rates available in the market, and women get an additional interest rate of 0.05% over and above that of general citizens.
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10 Feb 2026
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ