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FD Calculator

  • Regular Scheme
  • Senior Citizen Scheme
Monthly Investment

Cumulative Deposit

Interest Rate Interest Payout Maturity Amount
8.01 ₹ 155379 ₹ 568379

Non Cumulative Deposit

Period Interest rate Interest payout
Monthly 8.01% ₹ 2757
Quarterly 8.01% ₹ 2757
Half yearly 8.01% ₹ 2757
Yearly 8.01% ₹ 2757

How to Open Fixed Deposit Online in STFC

open deposit mobile fd

Fixed Deposit Certificate will be sent to your registered email address.

Product Features

high interest rate

High Returns on FD

Shriram Transport Finance Company gives the highest interest rate for Fixed deposit. You can earn up to 7.75% interest rates. Senior Citizens can enjoy higher additional returns of up to 0.30% and above the normal interest rates. You can earn maximum returns up to 9.05% effective yield

power compounding

Power of Compounding

With Cumulative fixed deposits, you can earn maximum returns up to 9.05% at the end of the maturity with the help of compounding. You will earn interest on the invested amount and also on the interest you get.

regular income

Regular Income

With Non-cumulative Fixed Deposits, you can earn interest rates with the deposited money over a fixed time. By choosing a monthly, quarterly, half-yearly or yearly interest payout, you get a regular earning through interest payments.

liquidity in times of emergency

Liquidity in times of emergency

In Fixed Deposits, you will enjoy liquidity in times of emergencies, as you can close the deposit to support your exigencies. You can also avail loan on your deposit.

flexible tenure

Flexible Tenure

There is a wide range of flexible tenure starting from 12 months to 60 months for efficient planning of short term and long term financial goals.

guaranteed returns

Guaranteed Returns

In the era of falling interest rates, Fixed deposits offer assured and stable returns.


why stfc
  • STFC is India’s largest and trusted asset based NBFC.
  • Attractive returns on investment with highest security.
  • With the wide availability of decentralized 1758 Branches and 831 rural centres across the country for personalized services. STFC operates with 27218 dedicated employees.
  • Shriram Transport Finance Company has the highest safety rating of “MAA+/ with Stable Outlook” by ICRA, FAAA/Stable by CRISIL(Indicates high credit quality)
  • Proven track record for more than 40 years of timely and on track fixed deposit payment.
  • STFC has the trust and loyalty of three generations of depositors.
  • Multiple Financial services under one roof.

Interest Rates

Non Cumulative Deposit Cumulative Deposit
Monthly %
Quarterly %
Half yearly %
Yearly %
Effective yield %
Maturity value
for Rs 5,000/-
12 6.31 6.35 6.40 6.50 6.50 5325
15 6.54 6.58 6.64 6.75 6.80 5425
24 6.54 6.58 6.64 6.75 6.97 5695
30 7.25 7.30 7.37 7.50 7.93 5990
36 7.25 7.30 7.37 7.50 8.08 6210
45 7.34 7.39 7.46 7.60 8.43 6580
48 7.34 7.39 7.46 7.60 8.51 6700
60 7.48 7.53 7.60 7.75 9.05 7260
Non Cumulative Deposit
Monthly %
Quarterly %
Half yearly %
Yearly %
12 6.31 6.35 6.40 6.50
15 6.54 6.58 6.64 6.75
24 6.54 6.58 6.64 6.75
30 7.25 7.30 7.37 7.50
36 7.25 7.30 7.37 7.50
45 7.34 7.39 7.46 7.60
48 7.34 7.39 7.46 7.60
60 7.48 7.53 7.60 7.75
Cumulative Deposit
Effective yield %
Maturity value
for Rs 5,000/-
12 6.50 5325
15 6.80 5425
24 6.97 5695
30 7.93 5990
36 8.08 6210
45 8.43 6580
48 8.51 6700
60 9.05 7260
  • Additional interest of 0.30% p.a. will be paid for Senior citizen (Completed age 60 years on the date of deposit/renewal)
  • Additional interest of 0.25% p.a on all Renewals, where the deposit is matured.
  • Additional interest of 0.15% p.a to employees of Shriram Group Companies and their relatives.
  • Deposits will be accepted in multiples of 1000/- subject to a minimum amount of 5000/-.
  • Cumulative deposits can be renewed for maturity value.

Benefits of opening a fixed deposit online

cumulative deposit

In the cumulative Fixed Deposit scheme, you will have no fixed interest payable over a monthly, quarterly, half-yearly, or yearly basis. The interest rate is compounded along with the principal and payable at the time of maturity.

non cumulative deposit

In the non-cumulative Fixed Deposit scheme, the interest is payable on a monthly, quarterly, half-yearly, or yearly basis. The interest earned monthly under this scheme will be taxable. This scheme is most suitable for an individual who is in need of an interest payout periodically.

What Do Our Customers Have to Say?

double quote customers

Frequently Asked Questions

Will the deposit be paid back in cash?

The deposit will be paid back only to the corresponding bank account updated in the records of STFC
The deposit will be accepted in multiples of ₹ 1,000/- subject to a minimum amount of ₹ 5,000/- for both cumulative deposit and non-cumulative deposit.
In a Non-Cumulative scheme, the interest will be credited on the Last day of every month in case of Monthly, Last day of March/June/September and December in case of Quarterly, Last day of March and September in case of Half-Yearly and Last day of March in case of Yearly.

The first interest will be paid on the last day of the subsequent month in which the FD is processed E.g. If the customer has initiated the FD on 20th March and has requested for monthly interest, the same will be paid on the subsequent month-end that is 30th April.

You can open a fixed deposit with the Company for a minimum tenure of 12 months to a maximum tenure of 60 months.

According to the Direction of the RBI, a deposit receipt cannot be prematurely closed before three months from the date of Deposit/ renewal except in case of death of the depositor. For additional information, please refer to the prematurity payment norms mentioned in terms and conditions of the application form placed on our website under the download section.

We accept investments from Individuals, companies, Partnership Firms, Hindu Undivided Family (HUF), Trust and Foundations, Unincorporated Associations, or Body of Individuals.

Subject to the FD scheme being open, the deposit may be renewed on maturity by submitting a duly filled fresh FD Application Form. It is necessary that the fresh FD Application Form should be submitted along with the duly discharged old FD receipt with revenue stamp of requisite value. The renewal will be subject to the terms and conditions of the FD scheme as applicable on the maturity date of the old deposit.

We have Monthly/Quarterly/Half Yearly and Yearly option for payment of interest. The interest is directly credited to the bank account via NEFT (National Electronic Fund Transfer).

The customer would need to submit the bank details in prescribed format [Click here to download Bank Details/Tax Status change Request Letter]. He also needs to submit a valid ID proof copy along with a personalized cancelled cheque (with his name printed), if not personalized, then a bank statement of the same account is needed. In the case of corporate a Board resolution for change in bank account details also is to be submitted.