Mahindra Finance FD Scheme

Mahindra Finance is a leading Indian non-banking finance company (NBFC) with assets under management (AUM) exceeding ₹1.28 lakh crore (as of December 31, 2025). With a vast network spanning over 1,300 branches and reaching thousands of villages, Mahindra Finance is a dominant player in the rural and semi-urban financial markets.

The organisation remains a top-tier choice for fixed-income investors due to its reaffirmed high safety ratings (AAA/Stable) and competitive yields. As of May 2026, the NBFC offers the following primary fixed deposit schemes:

• Dhanvruddhi Scheme: Specialized high-yield buckets for retail investors (up to ₹5 crore).
• Samruddhi Scheme: Standard flexible deposit plans for retail investors (up to ₹5 crore).
• Bulk Deposit: Tailored schemes for investments exceeding ₹5 crore.

The highest interest rate currently offered across these schemes is up to 8.05% p.a. for regular investors and 8.40% p.a. for senior citizens on specific Samruddhi tenures. Note: Rates are subject to market conditions. Please verify the latest figures before committing funds.

What are the Various Mahindra Finance FD Schemes?

Mahindra Finance’s retail plans cater to diverse savings goals. The Samruddhi and Dhanvruddhi schemes are the mainstays for deposits under ₹5 crore, offering both cumulative (interest at maturity) and non-cumulative (periodic payouts) options.

For high-net-worth individuals (HNIs) or corporate entities investing above ₹5 crore, the Bulk Deposit Scheme provides customized yield structures. Below are the key details for the retail schemes as of May 2026:

Feature	Details
Eligibility	Resident Indians, NRIs, HUFs, Trusts, Companies, and Minors.
Senior Citizen Bonus	Samruddhi FD: +0.35% p.a. Dhanvruddhi FD: +0.20% p.a.
Highest Interest Rate	Regular: 8.05% p.a. (60-month Samruddhi) Senior Citizen: 8.40% p.a. (Samruddhi Bonus)
Tenure Options	12 to 60 months.
Minimum Deposit	₹5,000.
Interest Payouts	Cumulative or Non-Cumulative (Monthly, Quarterly, Half-Yearly, Yearly).
Premature Withdrawal	Allowed after a mandatory 3-month lock-in period.
Safety Ratings	CRISIL AAA/Stable and IND AAA/Stable (Reaffirmed April 2026).

Note: Data verified as of May 2, 2026. Rates and policies are subject to change.

Key Features of Mahindra Finance FD Plans

I) Loyalty & Employee Benefits

Mahindra Finance rewards long-term relationships with a 0.05% p.a. renewal bonus for existing depositors. Furthermore, Mahindra Group employees and their direct relatives are eligible for an additional 0.35% p.a. on Samruddhi deposits.

II) Interest Compounding & Payouts

For Cumulative FDs, interest is compounded annually and paid at maturity. In Non-Cumulative FDs, payments are made through automated systems (NACH/NEFT) on fixed dates:

• Monthly: Last working day.
• Quarterly: End of each financial quarter.
• Half-Yearly/Yearly: September 30 and March 31.

III) Premature Withdrawal Rules (2026)

While FDs are intended for full tenure, Mahindra Finance provides a liquidity window with the following penalty structure:

Duration of Deposit	Penalty/Interest Rule
0 to 3 Months	No withdrawal allowed (Statutory Lock-in).
3 to 6 Months	Withdrawal allowed; No interest paid (Principal only).
6 Months to 12 Months	3% penalty on the applicable interest rate.
After 12 Months	2% penalty on the applicable interest rate.

Are Fixed Deposit Schemes in Mahindra Finance Safe?

As of April 9, 2026, CRISIL and India Ratings reaffirmed their AAA/Stable ratings for Mahindra Finance. This represents the "Highest Safety" category, indicating that the company's ability to service its financial obligations is extremely strong. Investors should note that while NBFC FDs are not covered by DICGC insurance, the AAA rating is the strongest market indicator of capital safety.

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