Interest Rates
7.00% – 7.60%
Time Period
1 year – 5 years
Min - Max Amount
5,000 - No limit
Compounding
Quarterly
ENTER AMOUNT
Select Duration
Expected Rate of Return
The future value of investment will be
₹ 0
Invested Amount
₹ 10,000
Est. Returns
₹ 0
Shriram Finance is one of India’s largest retail NBFCs, trusted by millions for its wide range of credit solutions including commercial vehicle loans, two-wheeler loans, car loans, home loans, gold loans, personal loans, and small business loans. Backed by the 50-year legacy of the Shriram Group, the company has built a strong reputation for helping customers achieve their financial goals with reliability and care.
Among its investment offerings, the Shriram Unnati Fixed Deposit stands out for delivering attractive returns with complete safety. Investors can earn up to 8.15%* p.a., along with special benefits for senior citizens and women depositors. With a minimum deposit of just ₹5,000 and a hassle-free online application process, Shriram FD offers both convenience and security, making it an excellent choice for growing savings steadily.
Tenure (Months) | Regular Rate (p.a.) % | Senior Citizen Rate (p.a.) % |
12 | 7.00 | 7.50 |
15 | 7.25 | 7.75 |
18 – 23 | 7.15 | 7.65 |
24 – 35 | 7.25 | 7.75 |
36 – 60 | 7.60 | 8.10 |
Note: The data is as of August 5, 2025
For short-term deposits with tenures between 12 and 48 months, Shriram Finance offers interest rates ranging from 7.00% to 7.25% p.a. for regular customers. Senior citizens enjoy higher benefits with rates between 7.50% and 7.75% p.a., making it a possible rewarding option for safe short-term savings.
For medium-term FDs, the tenure extends beyond 1 year and goes up to less than 5 years. The bank provides interest rates of around 7.00% to 7.60% p.a. They can be suitable for those who want to balance liquidity with stable returns over a moderate time frame.
| Tenure | Institution Name | Interest Rate (% p.a.) |
|---|---|---|
 | 1-year | 7.75› |
 | 5-year | 8.00› |
 | 3-year | 7.65› |
 | 1-year | 7.25› |
Note: The data is as of August 27, 2025
Shriram Finance makes it easy to open an FD account through both online and offline modes. Investors can choose from Internet Banking, the MyShriram mobile app, or by visiting a branch.
To invest offline, visit the nearest Shriram Finance branch. Fill in the FD application form, attach the necessary documents, and deposit the amount. Once processed, you will receive an FD receipt as proof of investment.
Interest earned on Shriram Finance FDs is subject to Tax Deducted at Source (TDS). If the total interest exceeds ₹5,000 in a financial year, TDS will be deducted at 10%. In case PAN details are not provided, TDS will be levied at 20%.
Investors with income below the taxable limit can submit Form 15G/15H to ensure no TDS is deducted on their FD interest.
Shriram Finance allows investors to withdraw their Fixed Deposit before maturity, subject to certain conditions. If the FD is closed between 3 and 6 months from the date of booking, no interest will be paid on the deposit. For withdrawals made after 6 months but before the completion of the chosen tenure, interest will be provided at a rate that is 2% lower than the applicable FD rate.
