Fixed deposits (FDs) are one of the safest investment options for people who want to earn a fixed return on their savings. They are perfect for those who do not want to take risks like investing in stocks or mutual funds. Among the many options available, Shriram Finance FD rates and reviews 2025 show that it is one of the best choices for investors looking for high returns and security.
What is a Fixed Deposit?
A fixed deposit (FD) is a financial product where you deposit a certain amount of money with a bank or a non-banking financial company (NBFC) for a fixed period. During this time, the money earns interest at a predetermined rate. Unlike stock markets, FDs are not affected by market ups and downs, making them a safe investment.
As Warren Buffett once said, “Do not put all your eggs in one basket.” FDs help diversify your investments and keep your savings secure.
Why Choose Shriram Finance Fixed Deposits?
Shriram Finance is a leading NBFC that has been providing financial services for over 40 years. It is highly rated by credit agencies, ensuring that your money is in safe hands. Here’s why Shriram Finance is a great option:
- High FD Interest Rates: Shriram Finance offers some of the best FD rates in 2025, higher than most banks.
- Safety & Stability: Rated AA+/Stable by ICRA and India Ratings, ensuring low risk.
- Flexible Tenure Options: Choose between 12 months and 60 months.
- Extra Benefits: Senior citizens get an additional 0.50% interest and women investors receive 0.10% extra.
- Loan Against FD: Need money urgently? You can take a loan up to 90-95% of your FD amount.
- Auto-Renewal & Easy Withdrawal: Hassle-free renewal and early withdrawal options (with some conditions).
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Shriram Finance FD Rates 2025
| Tenure | Regular Citizens | Senior Citizens |
|---|---|---|
| 12 months | 7.85% | 8.39% |
| 15 months | 8.15% | 8.69% |
| 24 months | 8.15% | 8.69% |
| 36 months | 8.70% | 9.25% |
| 42 months | 8.75% | 9.29% |
| 50 months (Jubilee) | 8.80% | 9.35% |
| 60 months | 8.80% | 9.34% |
These high rates make Shriram Finance FDs a great choice for those looking to earn more from their savings.
Types of Shriram Finance Fixed Deposits
1. Cumulative Fixed Deposit
- Interest is compounded and paid at maturity.
- Best for long-term investors who want to grow their savings.
- Minimum deposit: Rs. 5,000
2. Non-Cumulative Fixed Deposit
- Interest is paid regularly (monthly, quarterly, half-yearly, or annually).
- Ideal for retirees or people looking for steady income.
- Minimum deposit: Rs. 5,000
How to Open a Shriram Finance FD?
You can open an FD easily through online or offline methods:
Online Process
- Visit the official Shriram Finance website.
- Select your preferred FD scheme.
- Fill in your details and upload your KYC documents.
- Make the payment online.
- Receive FD confirmation instantly.
Offline Process
- Visit the nearest Shriram Finance branch.
- Carry ID proof, address proof, and a passport-size photo.
- Fill out the FD application form.
- Submit the required documents and initial deposit.
- Receive FD certificate as proof of investment.
FAQs About Shriram Finance FDs
1. Is my investment safe with Shriram Finance?
Yes! Shriram Finance has AA+/Stable ratings, making it a highly secure option for investing.
2. Can I withdraw my FD early?
Yes, but there are some conditions:
- No withdrawal allowed in the first 3 months.
- If withdrawn between 3-6 months, no interest will be paid.
- After 6 months, you can withdraw with a penalty of 2-3% on the agreed rate.
3. How much extra interest do senior citizens get?
Senior citizens get an extra 0.50% on all fixed deposit schemes.
4. Can I get a loan against my FD?
Yes! You can avail a loan of 90-95% of your FD amount without breaking your deposit.
Final Thoughts
Shriram Finance FD rates and reviews 2025 show that it is one of the best options for safe and high-return investments. With competitive interest rates, security, and flexible options, it is perfect for both short-term and long-term financial goals. If you are looking for a risk-free way to grow your savings, Shriram Finance Fixed Deposits are worth considering!
As Benjamin Franklin said, “An investment in knowledge pays the best interest.” Make a smart choice with Shriram Finance FDs today!