What Makes Shriram Fixed Deposit All-in-One?
A fixed deposit should give you everything you need: safety for your savings, good returns, and an easy way to invest and manage your FD. Our All-in-One Fixed Deposit brings all of this together in a single FD, so that investing feels easy, convenient and reassuring. You get all three in Shriram Fixed Deposit, with the same features and terms.
Safety: AAA/Stable Credit Rating
We are AAA/Stable rated by CRISIL and ICRA (April 2026). The ratings reflect a strong credit profile as assessed by the agencies.
High Returns: Interest up to 8.40%* p.a.
Choose a tenure of 12 to 60 months. Senior citizens and women depositors earn higher interest, and you earn an extra 0.15%* p.a. when you renew your FD.
Convenience: Online Booking
Book your FD in a few simple steps on our website or app. Track it, renew it, or close it when you need to, all online.
The interest rate of 8.40%* p.a. is inclusive of 0.50%* p.a. for Senior Citizens and 0.05%* p.a. for Women Depositors. Interest rates are w.e.f. 11 October 2026 and subject to change. T&C apply.
Shriram Fixed Deposit Interest Rates (with effect from October 11, 2026)
Shriram FD rates are fixed for the entire deposit period. Rates below are for deposits up to ₹10 Cr by resident individuals and non-individuals, w.e.f. 11 October 2026.
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Upto Rs. 10 Cr - Resident Individual & Non-Individuals
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Non - Cumulative
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Period
(Months)- 12
- 15 (Digital Only)
- 18-23
- 24-35
- 36-60
-
Monthly
% p.a.- 6.79
- 7.25
- 7.02
- 7.25
- 7.58
-
Quarterly
% p.a.- 6.82
- 7.30
- 7.06
- 7.30
- 7.63
-
Half-Yearly
% p.a.- 6.88
- 7.36
- 7.12
- 7.36
- 7.70
-
Yearly
% p.a.- 7.00
- 7.50
- 7.25
- 7.50
- 7.85
-
-
Cumulative
-
At Maturity % p.a.
- 7.00
- 7.50
- 7.25
- 7.50
- 7.85
-
-
Upto Rs. 10 Cr – Non Resident Individual
-
Non - Cumulative
-
Period
(Months)- 12
- 15 (Digital Only)
- 18-23
- 24-35
- 36-60
-
Monthly
% p.a.- 6.79
- 7.25
- 7.02
- 7.25
- 7.58
-
Quarterly
% p.a.- 6.82
- 7.30
- 7.06
- 7.30
- 7.63
-
Half-Yearly
% p.a.- 6.88
- 7.36
- 7.12
- 7.36
- 7.70
-
Yearly
% p.a.- 7.00
- 7.50
- 7.25
- 7.50
- 7.85
-
-
Cumulative
-
At Maturity % p.a.
- 7.00
- 7.50
- 7.25
- 7.50
- 7.85
-
• 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: These benefits are not applicable on bulk deposits. The additional rates are applied on the yearly rate and factored proportionately into monthly, quarterly, and half-yearly calculations.
Cumulative and Non-cumulative Fixed Deposit
Cumulative Fixed Deposit
We compound the interest monthly, add it to your deposit and pay it with the principal at maturity. Choose this option if you want your deposit to grow and do not need regular income.
Non-cumulative Fixed Deposit
We pay the interest monthly, quarterly, half-yearly or yearly to your registered bank account by NEFT. Choose this option for a steady income.
Why Monthly Compounding Works in Your Favour
With monthly compounding, the interest you earn each month is added to your deposit and starts earning interest from the next month. Interest that is added more often grows faster than interest added quarterly, half-yearly or yearly, so all else being equal, you earn more over the same tenure.
Fixed Deposit Calculator - Estimate Your FD Returns Instantly
Check returns on your investment using our FD calculator
• Using the Shriram FD Calculator is simple. Just enter your amount, tenure and payout. Then select senior citizen or woman depositor to see the rate that applies to you.
• The calculator immediately shows your maturity value, total interest earned and effective yield.
• Minimum: ₹5,000 | Maximum: ₹10 Cr | Tenure: 12 to 60 months.
Who Can Invest in Shriram FD?
Salaried individuals
Steady income, limited time to monitor investments. A Shriram FD locks in your rate so your savings grow without any effort on your part.
Self-employed and business owners
Irregular cash flow makes predictable returns valuable. Park surplus funds in an FD and know exactly what comes back - and when.
Retirees and senior citizens
Capital preservation matters most. Senior citizens earn an additional 0.50%* p.a., and the non-cumulative payout option turns your FD into a steady monthly or quarterly income.
Hindu Undivided Families (HUFs)
HUFs can invest in a Shriram FD at branch, making it a straightforward way to grow pooled family savings under a single, structured instrument.
Non-Resident Indians (NRIs)
NRIs can invest via NRO accounts at branch, on a non-repatriation basis, for tenures up to 36 months — a stable rupee-denominated option for funds held in India.
Conservative investors of any profile
If market-linked products feel unpredictable, a fixed deposit gives you steady rate from day one, with no surprises at maturity.
Credit Ratings and RBI Registration
Shriram Finance Limited is a deposit-taking NBFC registered with the Reserve Bank of India, with 47+ years of service.
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Rating agency
- CARE Ratings Limited
- CRISIL Ratings Limited
- ICRA
- India Ratings and Research
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Rating
- CARE AAA; STABLE
- Crisil AAA/STABLE
- [ICRA]AAA; STABLE
- IND AAA/STABLE
RBI Registration
We have a valid Certificate of Registration dated 31 January 2023 issued by the Reserve Bank of India under Section 45-IA of the RBI Act.
Before You Invest
Please read the application form and terms and conditions for our fixed deposit before you invest. Deposits with us are not insured by DICGC. A credit rating is the opinion of the rating agency.
How to Open a Fixed Deposit Online
Please note that the generation of the FD certificate may take up to 7 days post payment.
Also note that NRIs and non-individual investors (companies, HUFs, trusts, partnership firms) must apply offline at a Shriram Finance branch. The 15-month Digital Only scheme is available exclusively to resident Indians investing online.
Digital FD: the 15-month digital-only FD earns up to 8.05%* p.a. (7.50% base + 0.50% senior + 0.05% women) and is available only to resident individuals on the website or Shriram One app.
After You Book Your Fixed Deposit
Premature Withdrawal
You can withdraw before maturity, subject to our terms. The interest payable depends on when you withdraw: we pay no interest in the first 6 months*, and a lower rate after that.
Loan Facility on Fixed Deposit
From partnership firms and LLPs to private limited companies, NBFCs, trusts, societies, and institutions. Shriram Corporate FD is open to a wide range of corporate and institutional investors under a single scheme.
Renewal of Fixed Deposit
At the time of booking, you can choose to renew the matured amount or have the money credited to your bank account. Customers who renew earn an additional 0.15%* p.a.
Nominee
You can add a nominee to your FD booking, so the deposit reaches your loved ones without hassle in case of demise of the depositor.
Fixed Deposit Guides
Fixed Deposit FAQs
A fixed deposit (FD) is an investment where you deposit a lump sum amount with a financial institution for a fixed tenure at a predetermined interest rate. At maturity, you receive the principal amount along with the interest earned during the tenure.
*Interest rates are subject to change. The rate applicable will be the rate prevalent on the date of deposit or renewal. Additional benefits for senior citizens, women depositors, and renewals are not applicable on bulk deposits.
Disclaimer
With regards to the deposit-taking activity of Shriram Finance Limited (‘SFL’), viewers may refer to the detailed information and T&C provided in our application form available at the FD form download page. The Company holds a valid Certificate of Registration dated 31st January 2023 issued by the Reserve Bank of India under section 45-IA of the RBI Act. However, the Reserve Bank of India does not accept any responsibility or guarantee about the present financial position of the company or for the correctness of any statements or representations made or opinions expressed by the company, and for repayment of deposits or discharge of liabilities by the company.