ICICI Bank FD interest rates range from 2.75% p.a. to 6.60% p.a. for the general citizens and 3.25% p.a. to 7.10% p.a. for the senior citizens. Interest rates depend on the deposit amount, tenure, and customer category. The tenure ranges from 7 days to 10 years, allowing you to select the one that best suits your needs. Senior citizens typically receive 0.50% higher interest rates than regular customers.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
ICICI fixed deposits offer guaranteed returns that are not affected by market conditions, making them suitable for risk-averse investors. You can start an ICICI Bank Fixed Deposit with a minimum of ₹10,000. The FD scheme is available to individuals, HUFs, minors, NRIs, and companies. You can also book a special Tax Saving FD with a 5-year lock-in, providing deductions under Section 80C.
Besides, ICICI Bank offers monthly and quarterly payout options, making these products more attractive. Other flexible features like auto-renewal and deposit through the iMobile app mean customers can manage their deposits seamlessly.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
7 days to 10 years
₹10,000
Quarterly
Yes, with a 5-year lock-in
Available on condition%
Up to 90%
Yes, Available
ICICI Bank has reduced interest rates for select tenures below Rs. 3 Cr. after RBI’s repo rate cut, as of July 2025. Current rates for senior citizens range from 3.5% to 7.1% p.a. [source: Times of India].
The FD interest rates offered by ICICI Bank differ and are based on the deposit amount and tenure, allowing customers to choose a fixed deposit plan that aligns with their financial objectives. The tables below present the applicable interest rates for various tenures and deposit categories.
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 2 Months | 2.75% | 3.25% |
| 2 Months to 3 Months | 4.00% | 4.50% |
| 3 Months to 6 Months | 4.50% | 5.00% |
| 6 Months to 12 Months | 5.50% | 6.00% |
| 1 Year to 1.5 Years | 6.25% | 6.75% |
| 1.5 Years to 2 Years | 6.40% | 6.90% |
| 5 Years | 6.60% | 7.10% |
| 2 Years to 10 Years | 6.60% | 7.10% |
| Tenure | General (% p.a.) | Senior Citizens
(% p.a.) |
| 7 to 29 Days | 3.75% | 3.75% |
| 30 to 45 Days | 4.50% | 4.50% |
| 46 to 60 Days | 4.75% | 4.75% |
| 61 to 90 Days | 5.00% | 5.00% |
| 91 to 120 Days | 5.25% | 5.25% |
| 121 to 184 Days | 5.25% | 5.25% |
| 185 to 270 Days | 5.50% | 6.00% |
| 271 Days to < 1 Year | 5.50% | 6.00% |
| 1 Year to 389 Days | 6.25% | 6.75% |
| 390 Days to < 15 Months | 6.25% | 6.75% |
| 15 Months to < 18 Months | 6.25% | 6.75% |
| 18 Months to 2 Years | 6.40% | 6.90% |
| 2 Years 1 Day to 5 Years | 6.60% | 7.10% |
| 5 Years 1 Day to 10 Years | 6.60% | 7.10% |
*ICICI Bank FD interest rates w.e.f. from July 31, 2025
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3.25% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 6.6% |
| IDBI Bank | 3% | 6.75% |
| Indian Overseas Bank | 3.5% | 6.75% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 7% |
| Punjab and Sind Bank | 3% | 6.8% |
| UCO Bank | 2.9% | 6.6% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 3% | 7.4% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.85% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.2% |
| DCB Bank | 3.75% | 7.4% |
| Equitas Small Finance Bank | 3.5% | 7.6% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 8.5% |
| Saraswat Bank | 3.25% | 7% |
*FD interest rates w.e.f. August 2025 (for general public, domestic FDs < ₹3 Cr).
ICICI Bank Fixed Deposits offer several useful features that make them a reliable and flexible savings option. Here are some of the key benefits:
Follow these simple steps to open a Fixed Deposit with ICICI Bank, whether you’re an existing or a new customer. You can book an FD online or visit the branch for offline assistance.
Under the online process of opening an ICICI Bank FD, you can use two ways: either log in to your ICICI Bank mobile application or log in to ICICI Bank netbanking.
Here is the list of eligible people. The KYC process will verify your savings account. In case of FDs exceeding 50,000 rupees, PAN needs to be updated.
ICICI Bank Fixed Deposits offer an investment option with a variety of tenure choices ranging from 7 days to 10 years. You can open an FD online or at a branch, with options to receive interest monthly, quarterly, or at maturity. The bank also offers facilities like loans against FDs, premature withdrawal (except on non-callable and Tax Saver FDs), and special senior citizen rates. Compare ICICI Bank FD rates with the best FD rates across banks before investing.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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