ICICI Fixed Deposit Interest Rates
ICICI Bank offers the Fixed Deposit (FD) scheme with interest rates ranging between 2.75% and 6.50% p.a. Senior citizens are provided with an additional interest rate. The tenure of the scheme ranges from Seven days to Ten days.
Interest Rates on Domestic Fixed Deposits (Less than Rs.3 crore)
Listed in the table below are the interest rates offered by the bank on term deposits before Rs.3 crore.The interest rates mentioned here are for deposits that have the premature withdrawal facility:
Maturity Period | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
7 to 45 Days | 2.75% | 3.25% |
46 to 90 Days | 4.00% | 4.50% |
91 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% | 7.10% |
5 years 1 day to 10 years | 6.50% | 7.00% |
5Y (Tax Saver FD) | 6.650% | 7.210% |
Note: The interest rates mentioned here have been updated on 7 April 2026.
Interest Rates on Domestic Fixed Deposits (Above Rs.3 crore and up to Rs.5 crore)
The interest rates offered by ICICI bank for the deposits more than 3 crore to 5 crore as follows:
With Premature Withdrawal | Tenure | Without Premature Withdrawal | ||
General Citizen | Senior Citizen |
| General Citizen | Senior Citizen |
3.50% | 3.50% | 7 to 29 Days | 3.50% | 3.50% |
4.25% | 4.25% | 30 to 45 Days | 4.25% | 4.25% |
4.50% | 4.50% | 46 to 60 Days | 4.50% | 4.50% |
4.75% | 4.75% | 61 to 90 days | 5.40% | 5.40% |
5.25% | 5.25% | 91 to 184 Days | 5.90% | 5.90% |
5.50% | 6.00% | 185 to 270 Days | 6.15% | 6.15% |
5.50% | 6.00% | 271 Days to < 1 Year | 6.20% | 6.20% |
6.25% | 6.75% | 1 Year to 389 Days | 6.60% | 6.60% |
6.25% | 6.75% | 390 Days to < 18 Months | 6.60% | 6.60% |
6.30% | 6.80% | 18 Months to 2 Years | 6.60% | 6.60% |
6.45% | 6.95% | 2 Years 1 Day to 3 Years | 6.60% | 6.60% |
6.50% | 7.10% | 3 Years 1 day to 5 Years | 6.60% | 6.60% |
6.50% | 7.00% | 5 Years 1 Day to 10 Years | 6.60% | 6.60% |
Note: The interest rates mentioned here have been updated on 7 April 2026.
Interest Rates on Domestic Fixed Deposits: Above Rs.5 crore and up to Rs.5.10 crore
Interest rates on domestic fixed deposits above Rs 5 crore and up to Rs 5.10 crore with and without premature withdrawal for general and senior citizens are as follows:
With Premature Withdrawal | Tenure | Without Premature Withdrawal | ||
General Citizen | Senior Citizen |
| General Citizen | Senior Citizen |
3.50% | 3.50% | 7 to 29 Days | 3.50% | 3.50% |
3.75% | 4.25% | 30 to 45 Days | 4.25% | 4.25% |
3.75% | 4.50% | 46 to 60 Days | 4.50% | 4.50% |
3.75% | 4.75% | 61 to 90 Days | 5.40% | 5.40% |
4.00% | 5.25% | 91 to 184 Days | 5.90% | 5.90% |
4.00% | 6.00% | 185 to 270 Days | 6.15% | 6.15% |
4.25% | 6.00% | 271 Days to < 1 Year | 6.20% | 6.20% |
4.50% | 6.75% | 1 Year to 389 Days | 6.95% | 6.95% |
4.50% | 6.75% | 390 Days to < 15 Months | 6.95% | 6.95% |
4.50% | 6.75% | 15 Months to < 18 Months | 6.85% | 6.85% |
4.50% | 6.80% | 18 Months to 2 Years | 6.85% | 6.85% |
4.50% | 6.95% | 2 Years 1 Day to 3 Years | 6.85% | 6.85% |
4.50% | 7.10% | 3 Years 1 Day to 5 Years | 6.85% | 6.85% |
4.50% | 7.00% | 5 Years 1 Day to 10 Years | 6.85% | 6.85% |
Note: The interest rates mentioned here have been updated on 7 April 2026.
ICICI Bank NRI FD Rates
ICICI NRI FD Rates (Below Rs.3 crore)
Interest rates on ICICI NRE fixed deposits for NRIs below Rs.3 crore across different tenures are as follows:
Tenure | Interest Rates for General Public (p.a.) |
7 to 45 Days | 2.75% |
46 to 90 Days | 4.00% |
91 to 184 Days | 4.50% |
185 days to less than 1 Year | 5.50% |
1 Year to more than 18 Months | 6.25% |
18 Months to 2 Years | 6.30% |
2 Years 1 Day to 3 Years | 6.45% |
3 years 1 Day to 5 Years | 6.50% |
5 Years 1 Day to 10 Years | 6.50% |
5Y (Tax Saver FD) | 6.50% |
Note: The interest rates mentioned here are effective from 7 April 2026.
ICICI NRI FD Rates for Above Rs.3 crore and up to Rs.5 crore
Mentioned below are the interest rates on ICICI NRI fixed deposits above Rs 3 crore and up to Rs 5 crore with and without premature withdrawal across different tenures:
Tenure | With Premature Withdrawal (p.a.) | Without Premature Withdrawal (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% | 5.40% |
91 to 184 Days | 5.25% | 5.90% |
185 to 270 Days | 5.50% | 6.15% |
271 Days to < 1 Year | 5.50% | 6.20% |
1 Year to 389 Days | 6.25% | 6.60% |
390 Days to < 18 Months | 6.25% | 6.60% |
18 Months to 2 Years | 6.30% | 6.60% |
2 Years 1 Day to 3 Years | 6.45% | 6.60% |
3 Years 1 Day to 5 Years | 6.50% | 6.60% |
5 Years 1 Day to 10 Years | 6.50% | 6.60% |
Note: The interest rates mentioned here were updated on 7 April 2026.
ICICI FCNR FD Rates
Interest rates on ICICI FCNR fixed deposits across various currencies and deposit amounts are mentioned below:
Currency | USD |
12 months < 24 months | 4.00 |
>= 24 months < 36 months | 3.35 |
>= 36 months < 48 months | 3.00 |
>= 48 months < 60 months | 2.90 |
60 months | 2.90 |
Note: The interest rates mentioned here have been updated on 6 April 2026.
RFC FD Rates
Given below are the interest rates on RFC fixed deposits for different currencies and tenures:
Currency | USDUS | GBP |
Overnight and up to 30 days | NA | NA |
30 days to less than 6 months | 0.75% | 0.25% |
6 months to less than 1 year | 1.00% | 0.50% |
12 months to less than 24 months | 4.00% | 4.40% |
24 months to less than 36 months | 3.35% | 3.85% |
36 months | 3.00% | NA |
Note : The interest rates mentioned here have been updated on 1 April 2026.
Features and Benefits of ICICI Bank’s Fixed Deposits
The main features and the benefits of the FD scheme offered by ICICI Bank are mentioned below:
- Guaranteed returns on any investments that are made.
- Attractive interest rates are offered.
- Loans can be availed against the balance that is available in the account.
- The minimum deposit that must be made is Rs.10,000.
- An FD account can be opened anytime via internet banking or mobile banking.
- Safety is provided for any investments that are made.
Eligibility Criteria and Documents Required
Eligibility Criteria
✔️Resident Indians can open an FD account with ICICI Bank
Documents Required
- ✔️Proof of identity such as Driving License, Voter ID, PAN Card, or Passport.
- ✔️Proof of address such as bank statement along with a cheque, electricity bill, telephone bill, or passport.
The tenure of the scheme ranges from 7 days to 10 years.
Tyes of Fixed Deposits offered by ICICI Bank
The different types of FD schemes that are offered by ICICI Bank are mentioned below:
- Tax Saver FD
- Money Multiplier FD
- ICICI Bank Golden Years FD (Only for resident senior citizens)
- Regular FD
FAQs on ICICI Fixed Deposit Interest Rates
- What is the deposit limit for Tax Saving FD?
One can make a deposit between Rs.10,000 and Rs.1.50 lakh for ICICI Bank Tax Saving FD.
- Can I avail myself of a loan against the FD scheme offered by ICICI Bank?
Yes, you can avail yourself of a loan against the balance that is available in the account.
- Does ICICI Bank provide the premature withdrawal facility?
Yes, ICICI Bank provides the premature withdrawal facility. However, the bank may levy a penalty in the case of premature withdrawal.
- Can I opt for the auto renewal facility?
Yes, you can opt for the auto renewal facility. However, the facility must be selected at the time of opening the account or before the account matures.
- Can I add nominees to the account?
Yes, you can add nominees to the account.
- Can I open an FD account offered by ICICI Bank online?
Yes, you can open an FD account offered by ICICI Bank via internet banking or mobile banking.
- What is the tenure for Tax Saving FD?
The Tax Saving FD comes within 5 years.
- Does ICICI bank provide the option of auto renewal on FDs?
Yes, the facility of auto-renewals on FDs. You can opt for it at the time of opening the FD account or any time before it matures.
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