Shriram Finance Interest Rates: FD 7.85%

Shriram Finance FD rates

1 year7.00%Senior 7.50%3 years7.85%Senior 8.35%5 years7.85%Senior 8.35%

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What will my FD earn at Shriram Finance?

Deposit amount (₹)

Term

Customer

Estimated value after 1 year · before tax ₹5,35,930 7.00% p.a. · ₹35,930 interest · quarterly compounding

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Overview

Shriram Finance Limited (Shriram Finance) is a non-banking finance company (NBFC), headquartered in Mumbai.

Headquarters

Mumbai

Monitored since

26 Oct 2026

Ownership

Deposit-taking NBFC (RBI upper layer, publicly listed)

Operates in

All India (nationwide)

Financial health

Credit rating ICRA, CRISIL

AAA

Health indicators sourced from official 2026 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 11 Oct 2026, verified from official source. Non-banking finance company (NBFC): deposits are not insured by DICGC. Compare the credit rating along with the rate.

RBI record

Every RBI press release since 1 Jan 2024 that names Shriram Finance Limited, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

11 Jul 2025

RBI fined the bank ₹2.70 lakh
RBI's reason: “for non-compliance with certain provisions of the “ Reserve Bank of India (Digital Lending) Directions, 2025 ” issued by RBI”
What RBI found
“The company routed the loan repayments through the account of a third-party, instead of the borrowers directly crediting the loan repayments to the company’s account.”
RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the company with its customers.”
RBI press release 2025-2026/701
14 Feb 2025

RBI fined the bank ₹5.80 lakh
RBI's reason: “for non-compliance with certain provisions of the ‘Reserve Bank of India (Know Your Customer (KYC)) Directions, 2016’, ‘Non-Banking Financial Company - Systemically Important Non-Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016’ and directions on ‘Data Format for Furnishing of Credit Information to Credit Information Companies’ issued by RBI”
What RBI found
“The company failed to put in place a system of periodic review of risk categorisation of accounts; The company did not ensure that its agreements with certain Direct Sales Agents had a clause regarding the RBI’s right to inspect books and accounts of service providers; and The company failed to share information about the Relationship Segment of the corporates to the Credit Information Companies, during the financial year 2022-23.”
RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the company with its customers.”
RBI press release 2024-2025/2173

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Shriram Finance rates

Every rate, tenure by tenure, and what your money grows to.

Fixed Deposit7.85%Senior citizens 8.35% · 36 to 60 monthsSee rates →

Compare Shriram Finance FD rates with banks near you →

Shriram Finance Fixed Deposit rate changes

Changes to Shriram Finance's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 26 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to Shriram Finance's fixed deposit (FD) rates has been recorded since tracking started on 26 Oct 2026.

Credit rating

What independent credit rating agencies say about Shriram Finance Limited. Every rating links to the document it comes from, so you can check it yourself.

AAA

Headline rating

Fixed deposits · ICRA, CRISIL · Stable

Highest safety: lowest credit risk

Latest rating action: 3 Sept 2026

Agency	Instrument	Rating	Outlook	Published	Source
ICRA	Fixed deposits	AAA	Stable	Reaffirmed 3 Sept 2026	Exchange filing
CRISIL	Fixed deposits ₹80,000 cr Upgraded from AA+ and removed from Rating Watch with Positive Implications	AAA	Stable	Upgraded 9 Apr 2026	Agency rationale
CRISIL	Subordinated (Tier II) debt ₹1,000 cr	AAA	Stable	Upgraded 9 Apr 2026	Agency rationale
ICRA	Non-convertible debentures ₹5,000 cr	AAA	Stable	Assigned 3 Sept 2026	Exchange filing

Note: CRISIL upgraded Shriram Finance's fixed deposits to AAA from AA+ in April 2026 and ICRA also rates them AAA. NBFC deposits are not insured by DICGC.

How to read these ratings

Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Deposits with NBFCs and housing finance companies are not insured by DICGC, so the rating matters more here: check it before you invest.

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

Deposits with Shriram Finance Limited are not insured by DICGC: if the company fails, you are an unsecured creditor. Check its credit rating and financial strength, and avoid concentrating savings in one NBFC. Senior citizens (60+) typically earn an extra premium over the published general rates.
Shriram Finance is a non-banking finance company, not a bank. Its deposits are not covered by DICGC insurance, so compare its credit rating and financial strength, not just the rate.
Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Shriram Finance, depending on the tenure.

Informational only. Always confirm the current rate on the official Shriram Finance website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.

Shriram Finance Limited interest rates · November 2026