Shriram Finance Limited Fixed Deposit interest rates · November 2026
What will my FD earn at Shriram Finance?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
12 months |
7.00% | 7.50% | ₹5,000 to ₹10 crore | 11 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
15 months |
7.50% | 8.00% | ₹5,000 to ₹10 crore | 11 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
18 to 23 months |
7.25% | 7.75% | ₹5,000 to ₹10 crore | 11 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
24 to 35 months |
7.50% | 8.00% | ₹5,000 to ₹10 crore | 11 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
36 to 60 months |
7.85% | 8.35% | ₹5,000 to ₹10 crore | 11 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
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Shriram Finance FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank.
FD rates by tenure
1 year
7.00%- Cumulative (at maturity) rate. Non-cumulative payout rates: monthly 6.79%, quarterly 6.82%, half-yearly 6.88%, yearly 7.00%.
- Cumulative (at maturity) rate. Non-cumulative payout rates: monthly 7.25%, quarterly 7.30%, half-yearly 7.36%, yearly 7.50%. Digital (online) booking only.
- Cumulative (at maturity) rate. Non-cumulative payout rates: monthly 7.02%, quarterly 7.06%, half-yearly 7.12%, yearly 7.25%.
- Cumulative (at maturity) rate. Non-cumulative payout rates: monthly 7.25%, quarterly 7.30%, half-yearly 7.36%, yearly 7.50%.
- Cumulative (at maturity) rate. Non-cumulative payout rates: monthly 7.58%, quarterly 7.63%, half-yearly 7.70%, yearly 7.85%.
Before you book
Shriram Finance Fixed Deposit: frequently asked questions
What is the highest Shriram Finance Fixed Deposit interest rate?
As of 14 Nov 2026, Shriram Finance Limited offers up to 7.85% p.a. on its fixed deposit (FD) (36 to 60 months) for general customers and 8.35% p.a. (36 to 60 months) for senior citizens. Rates below are as published by the bank. Confirm with Shriram Finance before investing.
What is the Shriram Finance 1-year FD interest rate?
As of 14 Nov 2026, Shriram Finance Limited offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 11 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Shriram Finance 2-year FD interest rate?
As of 14 Nov 2026, Shriram Finance Limited offers 7.50% p.a. on a 2-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 11 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Shriram Finance 3-year FD interest rate?
As of 14 Nov 2026, Shriram Finance Limited offers 7.85% p.a. on a 3-year FD for general customers and 8.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 11 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Shriram Finance 5-year FD interest rate?
As of 14 Nov 2026, Shriram Finance Limited offers 7.85% p.a. on a 5-year FD for general customers and 8.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 11 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Shriram Finance?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Shriram Finance Limited, depending on the tenure.
When did Shriram Finance last change its Fixed Deposit rates?
RateScan.in has recorded no change to Shriram Finance Limited's fixed deposit (FD) rates since it started tracking them on 26 Oct 2026.
What fixed deposit (FD) tenures does Shriram Finance offer?
Shriram Finance Limited's published fixed deposit (FD) rate table has 5 tenure bands, from “12 months” to “36 to 60 months”.
Does Shriram Finance pay more than the Post Office Time Deposit?
Shriram Finance Limited pays more than the Post Office Time Deposit at 4 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.50% (PO 7.00%), 3y 7.85% (PO 7.10%), 5y 7.85% (PO 7.50%). PO is the Post Office Time Deposit rate.
Is my fixed deposit (FD) with Shriram Finance insured?
No. Shriram Finance Limited is a non-banking finance company, so its deposits are not covered by DICGC deposit insurance. Check its credit rating and financial strength before depositing.
How current are these Shriram Finance rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 11 Oct 2026. Rates can change without notice, so verify on the official Shriram Finance website before investing.
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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.
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