Shriram Finance FD Calculator  

Shriram Finance is India’s leading deposit-taking non-banking financial company (NBFC). As of June 30, 2025, the company has 3,225 branches and a combined assets under management (AUM) of ₹2.72 lakh crore. This NBFC is a popular investment choice among fixed deposit investors. As of September 25, 2025, you earn interest rates of up to 8.15% p.a. for a tenure of 36 to 60 months. 

Want to calculate your returns in advance? You can use the Shriram Finance FD calculator online. In this article, learn what it is, how to use it, and check out its several benefits

What is the Shriram Finance FD Calculator?

The Shriram Finance FD rates calculator is an online digital tool. Using it, you can estimate how much you will earn from a fixed deposit with Shriram Finance. All you have to do input these four basic details:

1. The amount you want to invest.
2. The tenure for which you want to keep the deposit.
3. Your citizen type.
4. Your desired payout frequency.
   
   

Based on these inputs, the calculator gives you three important results:

Result I: Total Interest	Result II: Maturity Value	Result III: What extra can you earn from Bank FDs
It represents your ROI (returns on investment).  This is what you earn from your investment over the chosen tenure.  The calculation is based on the principal, tenure, and applicable interest rate.	It is the total sum you receive at the end of the FD tenure. This result combines your original investment and the total interest earned (as calculated in Result I).	It compares your returns from Shriram Finance FD with usual bank fixed deposits (for the same tenure and principal).  It shows the additional income you can earn by choosing Shriram Finance over conventional bank FDs.

How to Use the Shriram Finance FD Interest Rates Calculator?

The Shriram Finance fixed deposit interest rates calculator 2025 is completely free and easy to use. There is no login, sign-up, or any kind of registration required. You can access it anytime and use it as many times as you like to plan your investments. 

Let’s see how you can start using it in six simple steps:

Step 1: Enter Your Investment Amount

In the box labeled “Investment Amount”, you must type the money you want to deposit. For example, if you want to invest ₹1,00,000, enter that value. This will be the principal amount used to calculate returns.

Step 2: Select the Tenure (Months)

Choose how long you want to keep your FD invested. The calculator allows you to select different tenures offered by Shriram Finance.

Step 3: Check the Applicable Interest Rate

Next, the calculator automatically shows the interest rate offered by Shriram Finance for the selected tenure.

Step 4: Choose Investor Category

Shriram Finance offers additional rates for two types of investors:

Senior Citizens	Women
They are eligible to earn bonus rates of 0.50% p.a. (as of September 25, 2025). If you are above 60 years of age, toggle this option right.	Women depositors are eligible for 0.05% extra over the regular interest rates (as of September 25, 2025).  Again, you should toggle right if you are eligible.

Please note that women investors above the age of 60 should toggle both options “right” to gain maximum benefits. As of September 25, 2025, the total additional rate they can get is 0.55% (0.50% + 0.05%).

Step 5: Select Payout Option

Now, decide how you want to receive the interest. The various available options are (in a drop-down menu):

• At maturity
• Monthly
• Quarterly
• Half-yearly
• Yearly

Step 6: View Results and Invest

Once you’ve entered all the details, the calculator shows you three results (as explained above):

• Total Interest
• Maturity Value
• The extra you can earn over bank FDs
  
  

Furthermore, if you are satisfied with the returns, you can click the “Invest” button. You will be redirected to the FD booking page. This process is 100% digital on the GoldenPi platform and can be completed within minutes.

4 Major Benefits of Using the Shriram Finance FD Calculator Online

The Shriram Finance FD calculator has a user-friendly interface. The boxes are properly labeled, which allows you to input investment details without confusion. Also, the calculator presents the results with 100% clarity. 

So, even if you do not have advanced financial knowledge, you can understand how much interest you will earn and what your maturity amount will be. Additionally, some more benefits you can realise are:

1. Significant Time Savings

By using the Shriram Finance FD calculator, you can avoid manual calculations. There is no need to calculate interest for different tenures or rates by hand. All you have to do is enter a few values, and the calculator instantly provides the total interest and maturity amount.

This is particularly helpful when you are calculating returns for odd tenures (say 1,001 days, 444 days, and more).

2. 100% Accurate Calculations

The calculator is based on the compound interest formula (it is an industry standard). There is no risk of miscalculating the interest, which can happen with manual methods. 

3. High Transparency in Results

The calculator clearly separates the principal and the interest earned. It shows exactly:

• How much of your maturity amount comes from your investment 

and

• How much comes from earnings/ interest

Such a segregation gives you a better understanding of how your money can grow throughout the entire FD duration. 

4. You Can Compare Multiple Options

One of the biggest advantages of the Shriram Finance FD calculator is that it allows users to adjust parameters like:

• Investment amount
• Tenure
• Payout frequency

By making these adjustments, you can compare different scenarios and see which option gives the highest returns. This is particularly useful when you are evaluating multiple FD schemes or deciding whether to take interest payouts monthly, quarterly, or at maturity.

Book Your Shriram Finance FD Online Through GoldenPi in 2025!

As of September 25, 2025, Shriram Finance offers additional bonus interest rates of up to 0.50% for senior citizens and 0.05% for women depositors. As per the latest rate card, you can earn up to 8.15% p.a. on fixed deposits with a tenure of 36 to 60 months (includes both these bonus rates). 

Want to see exactly how much you can earn? Start using the Shriram Finance FD rates calculator from here. This online tool allows you to toggle options for both senior citizens and women investors. Moreover, all the input and output fields are clearly labeled to prevent confusion.