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Fixed Deposits (FDs) remain one of the most trusted investment options in India. With interest rates rising across banks and NBFCs, investors are now comparing returns more closely than ever. In this blog, we break down how Shriram Finance FD rates stack up against market averages and help you decide where to invest for maximum returns in 2025.
Shriram Finance FD Interest Rates – September 2025
Shriram Finance offers additional interest for senior citizens (+0.50%) and women (+0.10%), making it one of the most rewarding FD schemes in the NBFC space.
Market FD Rates – September 2025
While some banks offer competitive rates, Shriram Finance’s 5-year FD for senior citizens at 8.97% is among the highest in the market.
Key Benefits of Shriram Finance FDs
- Monthly compounding for cumulative schemes
- Flexible tenures from 1 to 5 years
- Low minimum deposit: ₹5,000
- Premature withdrawal allowed after 3 months (no interest if withdrawn before 6 months)
- High trust factor as a leading NBFC with consistent performance
Where Should You Invest?
If you're looking for:
- Higher returns for long-term savings → Shriram Finance 5-year FD (especially for senior citizens and women)
- Short-term liquidity → Banks like RBL or Suryoday with 1–2 year tenures
- Tax efficiency → Consider cumulative FDs with longer tenures to defer interest income
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Final Takeaway
Shriram Finance stands out in 2025 with FD rates up to 8.97%, especially for senior citizens and long-term investors. While banks offer stability, NBFCs like Shriram provide higher returns, flexible options, and monthly compounding—making them a smart choice for wealth growth.