Shriram Finance FD Interest Rates 2026

What is the Shriram Finance Fixed Deposit?

The Shriram Finance Fixed Deposit offers competitive FD rates and a variety of tenure options to help your hard-earned money grow steadily. With strong credit ratings, "[ICRA] AA+ (Stable)" from ICRA and "IND AA+/Stable" from India Ratings & Research, the benefit of Shriram FD premature withdrawal remains a safe choice for secure, steady returns. The Shriram Finance FD rates you get depend on the market rates on the specific day you open or renew your FD. These rates can change over time, so it's a good idea to check the latest figures before you invest.

Shriram Finance Fixed Deposit: Key Highlights 

Shriram Finance FD Latest Rates: Updates

Shriram Finance Limited has reduced its Fixed deposit interest rates across all maturity periods by up to 40 basis points (0.4%). The new rates will take effect on August 5, 2025.

Shriram Finance FD Rates

Here are the latest Shriram Finance Fixed Deposit rates for amounts below 10 cr.

Revised rates below ₹ 10 Crore

*Shriram FD rates w.e.f 5th August 2025. Interest rates (cumulative here) are subject to change.

Types of Shriram Finance FD Schemes 

1. Cumulative Fixed Deposit Scheme 

   The Interest rate is compounded and reinvested into your principal amount over the entire tenure.

   • Benefits: Single lump-sum payment principal amount
   • Interest: Accumulated interest at maturity
   • Tenure:  Long-term growth
   • Minimum Deposit Amount: Rs 5,000

2. Non-Cumulative Fixed Deposit Scheme 

   The interest you earn is paid out at regular intervals instead of at maturity.

   • Interest Compounded: monthly, quarterly, half-yearly, or annually
   • Interest Payment Mode: Through NEFT
   • Benefits For: Retirees, homemakers, or anyone in need of regular cash flow
   • Senior Citizens: Additional interest rate of 0.5% 

3. Jubilee Fixed Deposit 

   A specific FD product with a fixed tenure, offering a unique interest rate for that period.

   • Minimum deposit amount: Rs 5000
   • Fixed Tenure: 50 months
   • Benefits: Special interest rate for a specific term 
   • Higher Return: Higher return as compared to regular FDs

4. Shriram Finance Regular FD 

   This scheme refers to the standard fixed deposit scheme with flexible tenure options.

   • Tenure - 12 months to 60 months 
   • Minimum Deposit Amount - Rs 5,000
   • Extra Benefits - For senior citizens of 0.50%
   • Women's Benefits - 0.05% for women 

5. Digital-only FD (15-month) 

   A Special short-tenure FD offered digitally.

   • Interest - Offers competitive interest rates  
   • Ideal For - useful for investors seeking mid-term returns.

Shriram Fixed Deposit Features

• Highly Rated: Shriram FD is rated "[ICRA]AA+ (Stable)" and "IND AA+/Stable," ensuring reliability.
• High Returns: On Shriram, you can earn attractive interest rates up to 8.10% per annum.
• Extra Benefits for Senior Citizens: Senior citizens' FD rates are 0.50% higher than those for general citizens.
• Extra Benefits for Women: Women depositors receive an additional 0.05% interest rate compared to regular citizens.
• Flexible Tenure: Choose a term from 12 to 60 months to match your financial goals.
• Custom Payouts: Select your preferred payout frequency: monthly, quarterly, half-yearly, annually, or at maturity.
• Steady Income: Receive predictable and reliable returns to help you achieve your financial dreams.

How to Invest in Shriram Finance FD?

Shriram Finance Fixed Deposit offers a competitive interest rate of up to 8.10% per annum. The tenure ranges from 12 to 60 months, allowing you to choose a period that fits your financial goals. To apply for FD, you can choose two ways: online or offline.

Online Method

Investing in a fixed Shriram Finance fixed deposit online is a fast and simple process:

• Register and Plan: Use your mobile number to register. 
• Fill the Details: Choose your investment amount, preferred tenure, and interest payout option.
• Provide Details: Enter your PAN details and complete your KYC.
• Fill in the Nominee Details: You'll also need to provide depositor and nominee information.
• Make Payment: Complete the payment online using your preferred method.
• Confirmation: Your FD is now booked.
• Download Receipt: Download your FD certificate and start earning returns.

Offline Method

If you prefer a traditional approach, you can also invest by visiting a Shriram Finance bank branch:

• Visit a Branch: Go to your nearest branch of the financial institution.
• Fill out the Form: Obtain and complete the fixed deposit application form.
• Submit Documents: Provide the required KYC documents, including a recent photograph, a copy of your PAN card, and a valid address proof.
• Make Payment: You will also need a canceled cheque for payment.
• Submit and Confirm: Submit the form and your investment amount. 
• Confirmation: Once processed, you will receive an FD certificate.

Eligibility for Shriram Finance FD Scheme

Here is the eligibility criteria and the eligible people who can apply for the Shriram Finance FD - 

• 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)

Conclusion 

Shriram Finance FDs are a solid choice for anyone seeking safe, predictable returns, with competitive interest rates (up to 8.10% p.a.), flexible tenures, and additional benefits for seniors and women. Shriram Finance short-term FDs and long-term financial goals are reliable ways to meet financial goals. The standout features: low minimum deposit, good credit rating, and payout flexibility, make them worth considering for conservative investors. Before investing, you can estimate your returns by using the Shriram FD calculator.