Fixed Deposit Calculator
The Shriram FD Calculator is an essential resource for potential investors, offering a comprehensive view of how your investment will grow over a chosen tenure, from 12 to 60 months. By simply inputting the investment amount, interest rate, and tenure, this calculator quickly and accurately estimates the interest earned and the final maturity amount.
Calculate Your Fixed Deposit Maturity Amount
How to Use Shriram Unnati Fixed Deposit Calculator Online
Calculating your maturity amount is a simple 5-step process with the online Shriram Unnati Fixed Deposit Calculator:
Step 1: Select (Yes/No) to specify if you are a Senior Citizen (age 60 and above).
Step 2: Select (Yes/No) to specify if you are a Woman Depositor. (If both apply, you can select both options.)
Step 3: Enter your desired investment amount. Shriram Finance allows you to start an FD with a minimum of ₹5000.
Step 4: Select the tenure for your FD, ranging from 12 to 60 months (about 5 years).
Step 5: Choose how often you'd like to receive your interest payouts: yearly, on maturity, monthly, or quarterly
The FD rate calculator will display a detailed summary of your investment, including the maturity value, total interest earned, and the breakdown of interest payouts based on the selected frequency. You can use the results from our FD calculator to understand the growth of your investment and plan your finances effectively.
Benefits of Using Fixed Deposit Calculator
The benefits of using an FD calculator online are many. Besides understanding how your savings are faring and the interest you are earning, a fixed deposit calculator can help you plan for the long-term, like building a retirement fund, or planning for your child’s higher education.
Shriram Unnati Fixed Deposit Calculator—one of the best FD calculators in the NBFC sector—brings the best features on the table for you:
User-friendly Interface
Our calculator is intuitive and easy to navigate, allowing you to feed numbers and calculate the desired results seamlessly.
Time-saving
With our online FD calculator, you can eliminate the need for manual calculations and significantly reduce the time needed to estimate returns.
Accurate Calculations
Shriram Unnati Fixed Deposit Calculator provides precise estimates, eliminating any margin of error.
Transparency
The results you get from using our FD payout calculatorclearly outline the breakdown of principal and interest, offering a transparent view of your investment growth.
Ease of Comparison
Our calculator offers flexibility in adjusting parameters like the interest rate, tenure and payout options, thus helping you compare the maturity value and interest earned for different interest rates and tenures.
Shriram Unnati Fixed Deposit Interest Rate for Cumulative Fixed Deposit (w.e.f 5th August 2025)
-
Period
(Months)- 12
- 15 (DIGITAL ONLY)
- 18-23
- 24-35
- 36-60
-
At Maturity % p.a.
- 7.00
- 7.25
- 7.15
- 7.25
- 7.60
Shriram Unnati Fixed Deposit Interest Rate for Non-Cumulative Fixed Deposit (w.e.f 5th August 2025)
-
Period
(Months)- 12
- 15 (DIGITAL ONLY)
- 18-23
- 24-35
- 36-60
-
Monthly % p.a.
- 6.79
- 7.02
- 6.93
- 7.02
- 7.35
-
Quarterly % p.a.
- 6.82
- 7.06
- 6.97
- 7.06
- 7.39
-
Half-Yearly % p.a.
- 6.88
- 7.12
- 7.03
- 7.12
- 7.46
-
Yearly % p.a.
- 7.00
- 7.25
- 7.15
- 7.25
- 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.
Frequently Asked Questions (FAQs)
It is easy to calculate the fixed deposit (FD) maturity amount using a FD calculator. Simply follow the below steps:
- Principal Amount: Start with the amount you are depositing (principal amount). This is the initial investment you decide to invest in FD
- Tenure: Determine the tenure or duration for which the deposit is kept. It could typically range between a year to a maximum of 5 years. Longer tenures typically offer higher interest rates.
- Interest Calculation: Depending on whether the interest is calculated under cumulative or non-cumulative scheme, the interest will be added to the principal under cumulative scheme and in non-cumulative the interest will be paid at selected frequency.
- Maturity Amount: The FD calculator will display the maturity amount (the sum of the original principal and the accumulated interest earned over the deposit period). If it's a simple interest FD, you’ll get the interest earned directly on the principal. In compound interest FDs, the accrued interest will grow faster due to compounding
The Rule of 72 is a simple way to estimate the number of years it will take for an investment, such as a Fixed Deposit (FD), to double, based on a fixed annual interest rate. The formula is:
Years to double = 72/Interest Rate (in percentage)
Shriram FD currently offers an interest rate of up to 8.15%* p.a. (including 0.50%* p.a. for senior citizens and 0.05%* p.a. for women depositors), the calculation would be:
Years to double=72/8.15 = ≈8.83 years
So, it will take approximately 8.83 years for your FD to double at an interest rate of 8.15%* p.a. You can also use a Shriram FD calculator to check maturity amount for various tenures.
A 5-year Fixed Deposit (FD) can be a good investment option for investors seeking stable and predictable returns over a medium-term horizon. It offers a fixed interest rate, making it ideal for those who prefer low-risk investments. Additionally, a 5-year FD often provides higher interest rates compared to shorter tenures, allowing investors to benefit from compounding interest.
Before investing, it’s helpful to use Shriram FD Calculator to estimate the maturity amount based on the interest rate, investment amount, tenure & interest payout frequency. This tool ensures you have a clear understanding of your returns and helps in better financial planning
Shriram Fixed Deposit Calculator does not factor in partial withdrawals. It’s best to reach out to your branch for partial withdrawal and to know the revised interest rate and updated maturity amount, as the FD calculator will only provide estimates for the original deposit. Additionally, if you need urgent funds, you can also consider Loan on Deposit.
Disclaimer
With regards 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.