Shriram Finance FD Calculator

Shriram Finance Fixed Deposits Explained

Shriram Finance accepts public fixed deposits as a non-banking finance company, not as a bank, and that distinction is the most important thing on this page. It became India's largest retail NBFC after Shriram Transport Finance and Shriram City Union Finance merged in 2022, and it has funded commercial vehicle and small business lending through public deposits for decades. Corporate deposits typically pay above bank rates precisely because they carry different risk.

Shriram Finance FD Schemes You Can Open

The deposit range separates by interest treatment and depositor category:

• •Cumulative deposit — Interest compounds and is paid with the principal at maturity — the structure the calculator above models.
• •Non-cumulative deposit — Interest is paid out monthly, quarterly, half-yearly or annually for depositors funding expenses from the deposit.
• •Senior citizen and women depositor variants — Shriram has historically offered additional rate increments to senior citizens and to women depositors over the base schedule.
• •Renewal benefit — An additional increment has typically applied when an existing deposit is renewed rather than withdrawn.

Shriram Finance FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How to Check Shriram Finance FD Interest Rates

Shriram Finance FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

Shriram Finance publishes its public deposit rate card on shriramfinance.in, along with the credit rating assigned to the deposit programme. That rating is the number to check before the interest rate: it is the agencies' assessment of the issuer's ability to repay, and it is what stands in place of deposit insurance here.

Take the current Shriram Finance fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to a Shriram Finance FD

• •This is an NBFC public deposit, not a bank deposit — DICGC insurance does not apply, and no ₹5 lakh protection exists.
• •Safety rests entirely on the issuer's credit rating and financial strength, so check the current rating on the deposit programme before depositing.
• •Formed by the 2022 merger of Shriram Transport Finance and Shriram City Union Finance, creating India's largest retail NBFC.
• •Rates typically sit above bank fixed deposits, which is compensation for the additional risk rather than a free gain.
• •Premature withdrawal is restricted under RBI rules governing NBFC deposits, particularly in the first three months.

Anyone searching for an STFC FD calculator is pricing this same deposit programme under its former name. Take the current rate for your chosen tenure from the published card and enter it above.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.