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Earn up to 13.15% p.a.
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Mahindra Finance FD Interest Rates
Interest Upto
7.15%
Min. Investment
₹ 5,000
Tenure
1Yr - 5Yr
Compounding
Quarterly
Mahindra Finance is a top Indian non-banking finance company (NBFC) operating since September 4, 1998. As per their official website, the organization maintains an impressive AUM (assets under management) of over USD 14.1 billion.
This NBFC is also popular among fixed-income investors due to its CRISIL AAA/Stable ratings and competitive interest rates. It offers three fixed deposit schemes:
- Dhanvruddhi Scheme (up to ₹5 crore)
- Samruddhi Scheme (up to ₹5 crore)
- Bulk Deposit Scheme (above ₹5 crore)
Dhanvruddhi and Samruddhi schemes come with both cumulative and non-cumulative payout options, whereas the Bulk deposit scheme only offers a cumulative option. As of August 11, 2025, Mahindra Finance offers the highest interest rate of 7.15% p.a. to regular investors (in its Bulk deposit scheme) and 7.25% p.a. to senior citizens (in Samruddhi scheme). The rates are subject to change. Please check the latest interest rates before investing.
So, are you looking to invest? In this article, let’s check out the latest Mahindra Finance FD rates 2025 for regular investors, senior citizens, and high-net-worth individuals.
Mahindra Finance FD Rates - Dhanvruddhi Scheme (up to ₹5 crore)
The Dhanvruddhi scheme from Mahindra Finance offers fixed deposit options with tenures ranging from 15 to 42 months. Let’s understand the different combinations in detail:
A) Mahindra Finance FD rates 2025 for Regular Investors
The Dhanvruddhi scheme is offered under both cumulative and non-cumulative options. In the former, interest is compounded annually and paid at maturity. Whereas, in the latter, you can get the interest payment:
- Monthly
- Quarterly
- Annually
Below are the latest Mahindra Finance fixed deposit rates offered under the Dhanvruddhi scheme:
Under Cumulative Option
|
Period (Months) |
Minimum Amount (₹) |
Amount Payable at Maturity (₹) |
Interest p.a. |
|---|---|---|---|
|
15 |
5,000 |
5,428 |
6.75% |
|
30 |
5,000 |
5,925 |
7.00% |
|
42 |
5,000 |
6,340 |
7.00% |
Under Non-Cumulative Option
|
Period (Months) |
Monthly (%) |
Quarterly (%) |
Half-Yearly (%) |
Yearly (%) |
|---|---|---|---|---|
|
15 |
6.55 |
6.60 |
6.65 |
6.75 |
|
30 |
6.80 |
6.80 |
6.90 |
7.00 |
|
42 |
6.80 |
6.80 |
6.90 |
7.00 |
Note: The interest rates mentioned above are valid as of August 11, 2025. The rates are subject to change. Please check the latest interest rates before investing.
B) Mahindra Finance FD Rates for Senior Citizens
Under the Dhanvruddhi scheme, senior citizens get +0.10% p.a. additional interest on top of regular FD rates. Check the latest rates below:
Cumulative Option
|
Period (Months) |
Minimum Amount (₹) |
Amount Payable at Maturity (₹) |
Interest p.a. |
|---|---|---|---|
|
15 |
5,000 |
5,434 |
6.85% |
|
30 |
5,000 |
5,939 |
7.10% |
|
42 |
5,000 |
6,360 |
7.10% |
Non-Cumulative Option
|
Period (Months) |
Monthly (%) |
Quarterly (%) |
Half-Yearly (%) |
Yearly (%) |
|---|---|---|---|---|
|
15 |
6.65 |
6.70 |
6.75 |
6.85 |
|
30 |
6.90 |
6.90 |
7.00 |
7.10 |
|
42 |
6.90 |
6.90 |
7.00 |
7.10 |
Note: The interest rates mentioned above are valid as of August 11, 2025. They are inclusive of +0.10% p.a. additional interest. The rates are subject to change. Please check the latest interest rates before investing.
Mahindra Finance FD Rates - Samruddhi Scheme (up to ₹5 crore)
The Samruddhi FD scheme from Mahindra Finance offers tenures ranging from 12 to 60 months. This is a more beneficial scheme for senior citizens due to the higher bonus rate. Let’s understand this scheme in detail:
A) Mahindra Finance FD rates 2025 for Regular Investors
The Samruddhi FD scheme also offers both cumulative and non-cumulative options. The rates again differ by tenure. Let’s check out the latest Mahindra Finance fixed deposit rates offered under the Samruddhi scheme:
Cumulative Option
|
Period (Months) |
Minimum Amount (₹) |
Amount Payable at Maturity (₹) |
Interest p.a. |
|---|---|---|---|
|
12 |
5,000 |
5,330 |
6.60% |
|
24 |
5,000 |
5,725 |
7.00% |
|
36 |
5,000 |
6,125 |
7.00% |
|
48 |
5,000 |
6,554 |
7.00% |
|
60 |
5,000 |
7,013 |
7.00% |
Non-Cumulative Option
|
Period (Months) |
Monthly (%) |
Quarterly (%) |
Half-Yearly (%) |
Yearly (%) |
|---|---|---|---|---|
|
12 |
6.40% |
6.45% |
6.50% |
6.60% |
|
24 |
6.80% |
6.80% |
6.90% |
7.00% |
|
36 |
6.80% |
6.80% |
6.90% |
7.00% |
|
48 |
6.80% |
6.80% |
6.90% |
7.00% |
|
60 |
6.80% |
6.80% |
6.90% |
7.00% |
Note: The interest rates mentioned above are valid as of August 11, 2025. The rates are subject to change. Please check the latest interest rates before investing.
Want to invest from the comfort of your home? Visit the Goldenpi platform today and book your FD online.
B) Mahindra Finance FD Rates for Senior Citizens
In the Samruddhi scheme, the senior citizens enjoy an additional +0.25% p.a. on all rates. This is a bonus 0.15% p.a. as compared to the Dhanvruddhi scheme. Check out the latest rates below:
Cumulative Option
|
Period (Months) |
Minimum Amount (₹) |
Amount Payable at Maturity (₹) |
Interest p.a. |
|---|---|---|---|
|
12 |
5,000 |
5,343 |
6.85% |
|
24 |
5,000 |
5,751 |
7.25% |
|
36 |
5,000 |
6,168 |
7.25% |
|
48 |
5,000 |
6,615 |
7.25% |
|
60 |
5,000 |
7,095 |
7.25% |
Non-Cumulative Option
|
Period (Months) |
Monthly |
Quarterly |
Half-Yearly |
Yearly |
|---|---|---|---|---|
|
12 |
6.65% |
6.70% |
6.75% |
6.85% |
|
24 |
7.05% |
7.05% |
7.15% |
7.25% |
|
36 |
7.05% |
7.05% |
7.15% |
7.25% |
|
48 |
7.05% |
7.05% |
7.15% |
7.25% |
|
60 |
7.05% |
7.05% |
7.15% |
7.25% |
Note: The interest rates mentioned above are valid as of August 11, 2025. They are inclusive of +0.25% p.a. additional interest. The rates are subject to change. Please check the latest interest rates before investing.
Mahindra Finance FD Rates - Bulk Deposit (above ₹5 crore)
The Bulk deposit scheme from Mahindra Finance is designed for high-value investors who are looking to invest above ₹5 crore in a single fixed deposit. It is an attractive option for institutions, corporates, and HNIs. It offers tenure from 12 to 30 months.
However, the bulk deposit scheme of Mahindra Finance is available only in the cumulative payout option. Also, senior citizens are not eligible for any bonus/extra interest rate.
Let’s check out the latest Mahindra Finance FD rates 2025 for bulk deposits:
|
Period (Months) |
Minimum Amount (₹) |
Interest p.a. |
|---|---|---|
|
12 to 14 |
5,00,01,000 |
6.65% |
|
15 to 17 |
5,00,01,000 |
6.90% |
|
18 to 24 |
5,00,01,000 |
7.10% |
|
25 to 30 |
5,00,01,000 |
7.15% |
Note: The interest rates mentioned above are valid as of August 11, 2025. The rates are subject to change. Please check the latest interest rates before investing.
Book Your Mahindra Finance FD with GoldenPi Today!
Mahindra Finance is a CRISIL AAA/Stable and IND AAA/Stable NBFC. Across its three FD schemes, the highest rates for regular investors currently stand at:
- 7.00% p.a. for the Dhanvruddhi scheme
- 7.00% p.a. for the Samruddhi scheme
- 7.15% p.a. for the Bulk deposit scheme
In the Dhanvruddhi and Samruddhi FD plans, senior citizens are eligible for an additional 0.10% p.a. and 0.25% p.a., respectively. This makes them eligible for 7.10% p.a. in the Dhanvruddhi scheme and 7.25% p.a. in the Dhanvruddhi FD plan.
If you are looking to invest in the Mahindra Finance FDs, you can book them online within minutes using the GoldenPI platform. Start your application from here.
Frequently asked Questions
What extra interest rates do senior citizens get on Mahindra Finance FDs in 2025?
Do I get any benefit if I renew my Mahindra Finance FD?
How is interest paid in non-cumulative Mahindra Finance FDs?
How is interest calculated on cumulative FDs?
What is the minimum FD investment amount with Mahindra Finance?
Calculate Your FD Returns
Invest Amount
₹
Tenure (Months)
Rate of Interest (p.a)
%
Invested Amount
₹ 1,00,000
FD Gains
₹ 6,660
Maturity Amount
₹ 1,06,660
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Disclaimer: This content is for informational purposes only and should not be treated as investment advice. Fixed Deposit products featured here are offered by institutions regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a SEBI-registered debt broker and acts purely as a distributor, not the issuer of these products. While we aim to provide accurate and timely information, details are subject to change. Investors are advised to verify all information and read the relevant offer documents carefully before investing. Market-linked investments carry risks.
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I am comfortable with:
Example instruments:
AA/A Rated Corporate Bonds, Tax-free Bonds
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