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ICICI Bank FD Interest Rates
ICICI Bank FD rates range from 2.75% p.a. to 6.50% p.a. for general citizens and 3.25% p.a. to 7.10% p.a. for senior citizens, with rates effective from September 29, 2026. The tenure is between 7 days and 10 years for deposits below ₹3 crore.
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Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
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FD Interest Rates
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ICICI Bank FD Interest Rates
The highest ICICI Bank FD interest rate is 6.50% p.a. for general citizens and 7.10% p.a. for senior citizens, effective from 20 August 2026:
| Tenure | General Citizen (p.a.) | Senior Citizen (p.a.) |
|---|---|---|
| 7 days to 45 days | 2.75% | 3.25% |
| 46 days to 90 days | 4.00% | 4.50% |
| 91 days to 184 days | 4.50% | 5.00% |
| 185 days to less than 1 year | 5.50% | 6.00% |
| 1 year to less than 18 months | 6.25% | 6.75% |
| 18 months to 2 years | 6.30% | 6.80% |
| 2 years 1 day to 3 years | 6.45% | 6.95% |
| 3 years 1 day to 5 years | 6.50% (Highest) | 7.10% (Highest) |
| 5 years 1 day to 10 years | 6.50% | 7.00% |
| 5 Years (Tax Saver FD) | 6.50% (Highest) | 7.10% (Highest) |
ICICI FD rates w.e.f. September 29, 2026.
How Are ICICI Bank FD Interest Rates Decided?
ICICI Bank FD interest rates are subject to prevailing interest rate levels, the period of deposit, the amount of deposit and the type of customer. The bank may revise the rates on new as well as renewed FDs, and therefore, one must confirm the rate at the time of opening or renewal of a fixed deposit.
- RBI Monetary Policy: ICICI Bank FD interest rates can be affected by changes in the RBI policies and the repo rate.
- Bank Liquidity Needs: The interest charged on FDs can be influenced by the deposit and lending needs of the bank.
- Deposit Tenure: ICICI Bank has various interest rates based on tenure between 7 days and 10 years.
- Deposit Amount: FD rates can differ depending on the size of the deposit, and there are different rate slabs for below ₹3 crore and above.
- Customer Category: Eligible senior citizens are given an extra interest rate on domestic FDs,s and the rate of interest applied depends on the tenure.
- Interest Payout: Customers may choose monthly, quarterly, annual or cumulative interest payouts.
ICICI FD Rates for Deposits Above ₹3 Crore to less than ₹5 Crore
The highest ICICI FD rateareis 6.50% p.a. for the general depositors is 6.50% p.a. and 7.10% p.a. for senior citizens on a tenure of 3 years 1 day to 5 years for deposits ₹3 Crore to less than ₹5 Crore:
| Tenure | General Citizen (p.a.) | Senior Citizen (p.a.) |
|---|---|---|
| 7 to 29 days | 3.50% | 3.50% |
| 30 to 45 days | 4.25% | 4.25% |
| 46 to 60 days | 4.50% | 4.50% |
| 61 to 90 days | 4.75% | 4.75% |
| 91 to 184 days | 5.25% | 5.25% |
| 185 to 270 days | 5.50% | 6.00% |
| 271 days to less than 1 year | 5.75% | 6.00% |
| 1 year to 389 days | 6.25% | 6.75% |
| 390 days to less than 18 months | 6.25% | 6.75% |
| 18 months to 2 years | 6.30% | 6.80% |
| 2 years 1 day to 3 years | 6.45% | 6.95% |
| 3 years 1 day to 5 years | 6.50% (Highest) | 7.10% (Highest) |
| 5 years 1 day to 10 years | 6.50% | 7.00% |
*ICICI FD interest rates w.e.f. September 29, 2026
Interest Rates for ICICI Tax-Saving FD
The interest rate on ICICI Tax Saver FD is 6.50% p.a. for general citizens and 7.10% p.a. for senior citizens. This FD scheme has a lock-in period of 5 years. Eligible investments of up to ₹1.50 lakh can qualify for a deduction under Section 123 of the Income-tax Act, 2025, subject to applicable conditions. The minimum amount is ₹10,000, and the maximum amount is ₹1.50 lakh that can be invested under the scheme.
ICICI Bank Senior Citizen FD Rates
ICICI Bank FD rates for senior citizens vary between 3.25% p.a. and 7.10% p.a. on eligible domestic deposits. They receive an extra 0.50% p.a. over the regular ICICI FD rate. The highest deposit rate is 7.10% p.a. on a tenure of 3 years 1 day to 5 years. The senior citizens rates only apply to domestic fixed deposits and not to ICICI Bank NRE FDs.
Key Features of ICICI Fixed Deposit
The features of ICICI Bank fixed deposits include:
- Tenure: 7 days to 10 years, where customers have the option of selecting a period in accordance with their needs.
- Senior citizen benefit: Senior citizens are offered an extra 0.50% p.a. on domestic FDs.
- Interest payout: Customers have the option of interest payout monthly, quarterly, annually or cumulatively.
- Digital opening: Eligible customers will be able to open an FD using ICICI Bank's digital platform.
- Loan facility: Customers can avail an ICICI Bank loan against FD to get up to 90% of the FD as a loan, subject to applicable terms.
ICICI FD Interest Rate Calculator
The ICICI Bank FD interest calculator helps in determining the deposit amount and the interest that will be earned on the deposit depending on the maturity period, type of customer, and the interest payout of choice. The calculator shows maturity, monthly and quarterly payouts but does not factor in TDS deductions.
FAQs
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What are the current FD rates of ICICI Bank?
ICICI Bank is currently providing FD interest rates between 2.75% p.a. and 6.50% p.a. for general citizens and 3.25% p.a. to 7.10% p.a. for eligible senior citizens on domestic fixed deposits below ₹3 crore. Rates are dependent on the tenure and are subject to change. -
Which FD is better, SBI or ICICI?
The better FD is based on the FD interest rates, tenure, payout option, and other factors. ICICI Bank gives a maximum of 6.50% p.a. to general citizens and 7.10% p.a. to senior citizens, whereas SBI gives varying rates based on tenure and type of deposit. Compare the rates applicable and select. -
Is it safe to keep an FD in ICICI Bank?
ICICI Bank FDs are bank deposits that are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC). The maximum amount of DICGC insurance is ₹5 lakh/depositor per bank, including the depositor principal and accrued interest, subject to any particular DICGC rules and conditions. -
Which FD is good in ICICI Bank?
The suitable ICICI Bank FD is based on the desired tenure and interest payment. Regular FDs can be used for various deposit requirements, whereas the Tax Saver FD comes with a five-year lock-in and provides Section 123 (Section 80C before) benefits, allowing a deduction of up to ₹1.5 lakh. ICICI Bank also offers monthly payout and Money Multiplier FD. -
Is there a maximum amount that can be invested in an ICICI Bank FD?
Regular Fixed Deposits do not have a set maximum limit in ICICI Bank, although there are conditions and policies. The minimum deposit is ₹10,000, and the FDs have a period of 7 days to 10 years according to the deposit chosen. -
Do senior citizens get higher ICICI Bank FD rates?
Yes. Eligible senior citizens aged 60 and above get an extra 0.50% p.a. on relevant domestic fixed deposits. The existing rates of ICICI Bank senior citizens FD range from 3.25% p.a. to 7.10% p.a. Senior citizen rates are not applicable in the NRE FDs. -
Can I close an ICICI Bank FD anytime?
Premature closing of eligible ICICI Bank FDs is usually allowed in accordance with the deposit terms and conditions. In case of deposits less than ₹25 crore, the premature withdrawal charges are 0.50% to 1.00%. However, tax Saver FDs require a mandatory five-year lock-in and cannot be withdrawn early. -
Can I keep ₹50 lakh in an FD?
Yes, you can deposit ₹50 lakh in an ICICI Bank FD under the terms and conditions and KYC requirements of the bank. In the case of larger deposits, the FD interest rate charged on the FD may vary depending on the deposit slab; thus, the rate must be verified for the specific amount and tenure, and only then should the FD be booked.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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 7.4% 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
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
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