Master the art of
defending your
dreams with
Shriram Unnati Fixed Deposit
Returns as high as
9.40%* p.a.
Master the art of
defending your
dreams with
Shriram Unnati Fixed Deposit
Returns as high as
9.40%* p.a.
(Including 0.50%* p.a. for Senior Citizens and 0.10%* p.a. for Women)
**T&C Apply
Open Fixed Deposit Online
By continuing, you agree to the Terms and Conditions of Shriram Finance and authorize our representatives to Call/Email/SMS/WhatsApp you regarding your application. Digital Fixed Deposit Booking is applicable for Resident Indians Only.
Fixed Deposit
Maximize the potential of your hard-earned money. Shriram Unnati Fixed Deposit offers attractive interest rates and flexible tenure options to grow your wealth over time.
Features & Benefits
Shriram Fixed Deposit is rated "[ICRA]AA+ (Stable)" by ICRA and "IND AA+/Stable" by India Ratings and Research.
Higher Interest Rate
Grow your savings with interest rates as high as 9.40%* p.a.
Benefits for Senior Citizens
Senior citizens get an additional 0.50%* p.a.
Special Interest Rates for Women
Women depositors get an additional 0.10%* p.a.
Flexible Tenure
Choose from the flexible investment options starting from 12 to 60 months.
Flexible Payout Options
Choose from flexible interest payout options, i.e., monthly, quarterly, half-yearly, yearly or at maturity.
Attractive Returns
Get attractive returns irrespective of market fluctuations.
Fixed Deposit Calculator
Check returns on your investment using our FD calculator
STEP 01
I am a Senior Citizen
STEP 02
I am a Woman
STEP 03
Investment amount
STEP 04
Tenure up to
STEP 05
Interest payout term
Investment Summary
Interest Rate %
Deposit
Invested Amount
₹ 50,000
How to Apply?
Applying for Shriram Fixed Deposit online is easy. Book your Shriram Fixed Deposit in four easy steps.
Step 01
Register using your mobile numberStep 02
Enter the investment amount, tenure and PAN detailsStep 03
Complete your payment and proceed to enter your KYC and bank detailsStep 04
Receive fixed deposit acknowledgement and maximise your returns
Eligibility
Who can invest in a Fixed Deposit with us?
Resident Individuals (Online and Offline)
Sole Proprietorship
Partnership Firms (Offline only)
Companies (Offline only)
Hindu Undivided Family (Offline only)
Trusts and Foundations (Offline only)
NRIs (Offline Only)
Unincorporated Association or Body of Individuals (Offline only)
Interest & Charges
A Fixed Deposit is an investment option independent of market fluctuations. Check the interest rates and charges for Shriram Fixed Deposit
Interest Rates
Interest rates up to
9.40%* p.a.
Including 0.50%* p.a. for Senior Citizens
and 0.10%* p.a. for Women
Interest Rates on Fresh Deposit (w.e.f 9th April 2024)
| Period (Months) | Monthly % p.a. | Quarterly % p.a. | Half-Yearly % p.a. | Yearly % p.a. |
|---|---|---|---|---|
| 12 | 7.59 | 7.63 | 7.71 | 7.85 |
| (Digital Only)15 | 7.87 | 7.92 | 8.00 | 8.15 |
| 18 | 7.73 | 7.77 | 7.85 | 8.00 |
| 24 | 7.87 | 7.92 | 8.00 | 8.15 |
| 30 | 8.05 | 8.10 | 8.18 | 8.35 |
| 36 | 8.38 | 8.43 | 8.52 | 8.70 |
| 42 | 8.42 | 8.47 | 8.56 | 8.75 |
| 50 (JUBILEE) | 8.47 | 8.52 | 8.62 | 8.80 |
| 60 | 8.47 | 8.52 | 8.62 | 8.80 |
| Period (Months) | Rate % (p.a. at monthly rests) | Effective yield % p.a. | Maturity value for Rs. ₹ 5000/- |
|---|---|---|---|
| 12 | 7.59 | 7.85 | 5,392 |
| (Digital Only)15 | 7.87 | 8.24 | 5,515 |
| 18 | 7.73 | 8.16 | 5,612 |
| 24 | 7.87 | 8.49 | 5,849 |
| 30 | 8.05 | 8.88 | 6,110 |
| 36 | 8.38 | 9.49 | 6,423 |
| 42 | 8.42 | 9.75 | 6,706 |
| 50 (JUBILEE) | 8.47 | 10.10 | 7,107 |
| 60 | 8.47 | 10.50 | 7,625 |
Additional interest of 0.50%* p.a. will be paid for Senior citizen (Completed age 60 years on the date of deposit/renewal)
Additional interest of 0.10%* p.a. will be paid to Women Depositors.
FAQs
Can I add funds to my Fixed Deposit?
No, once a fixed deposit (FD) is booked, you cannot add additional funds to it. To invest more, you will have to open a new FD
What is the minimum and maximum investment tenure in an FD with Shriram Finance?
The minimum tenure of a fixed deposit is 12 months and the maximum tenure is up to 60 months
How will I receive the interest amount?
Interest on your Fixed Deposit will be credited to your registered bank account as per the payout frequency selected (monthly, quarterly, half-yearly or yearly). You can also choose to receive the interest at maturity along with the principal amount.
What is a maturity date?
The maturity date is when the deposit term ends, and you receive the maturity amount, which includes your original investment (principal) plus the interest earned over the term. Once the investment tenure ends, you can either withdraw the maturity amount or renew your FD
Are there any special FD rates for senior citizens?
Yes, Shriram Finance provides an additional 0.50%* p.a. interest rate on Fixed Deposit for senior citizens.
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.
Maximise savings with a Fixed Deposit