ICICI HFC Fixed Deposit (FD)
ICICI HFC Fixed Deposit offers interest rates up to 7.35% p.a. across tenures of 12 to 60 months, backed by an AAA/Stable safety rating. You can open one online from Rs.10,000 with fast, DigiLocker-based KYC.
The company’s fixed deposit schemes feature competitive interest rates and flexibility allowing for effective compounding or liquidity depending on a depositor’s financial needs.
These deposits are offered for differing tenures based on ICICI HFC fd interest rates. These deposits are easy to access and operate.
Features and Benefits of opening ICICI HFC FD
Some of the features and benefits of opening ICICI HFC FD are:
- You get high returns due to high-interest rates offered by the lending company.
- The process to withdraw your deposit is extremely simple and hassle-free.
- You can open an FD account online where the whole process is quick and convenient.
- The minimum deposit amount depends on the payout option you choose — see the FD Criteria table below for the exact amount for each ICICI HFC FD plan.
- High level of security is offered to your deposits. ICICI HFC fixed deposits have been rated AAA Stable (highest degree of safety) by reputed credit rating agencies CRISIL, ICRA and CARE.
- You can avail loan against your FD up to 75% of the amount deposited. You will have to pay 2% higher interest on your deposit.
Category | Details |
Minimum Deposit Amount | Cumulative/Annual: Rs.10,000 | Quarterly: Rs.20,000 | Monthly: Rs.40,000 |
Depositor Count | One to three individuals |
Tenure Range | 1 to 5 years for Resident Indians; 1 to 3 years for Non-Resident Indians |
Eligibility - Who can open an FD account with ICICI HFC?
The following entities can open an FD account with ICICI HFC:
- ✔️A resident of India
- ✔️Any resident Indian individual fulfilling KYC requirements
- ✔️Any 'Non-Resident Indian'/'Person of Indian Origin'
- ✔️Hindu Undivided Family
- ✔️Trust, Societies, Firms, Companies and Foundations can open an ICICI HFC account.
- ✔️Public or private firm, company, and foundation.
How to apply for ICICI HFC FD
- Fill out the ICICI HFC FD lead form on the official website to start your application.
- Complete your KYC instantly through DigiLocker — no manual document upload is needed.
- Choose your ICICI HFC FD plan, tenure and payout frequency (cumulative, yearly, quarterly or monthly).
- Make the deposit payment securely online.
- Receive your Electronic Fixed Deposit Advice (EFDA) within three working days.
You can also visit your nearest ICICI HFC branch for assistance with opening an FD account.
ICICI Home Finance FD Interest Rates: Cumulative Rates
Tenure | Cumulative Scheme (p.a.) |
12 to less than 24 months | 6.85% |
24 to less than 36 months | 6.95% |
36 to less than 48 months | 7.10% |
48 to ≤ 60 months | 7.20% |
Special – 39 months | 7.30% |
Special – 45 months | 7.35% |
Note: The interest rates are effective from 06 July 2026.
ICICI Group employees are offered 0.25% additional interest, and senior citizens are offered 0.35% additional interest, on Public deposits.
Summary
ICICI HFC Fixed Deposit lets you invest from Rs.10,000 across tenures of 12 to 60 months, with cumulative rates currently up to 7.35% p.a. and additional interest for ICICI Group employees and senior citizens. Its AAA/Stable rating from CRISIL, ICRA and CARE and the option to borrow up to 75% of your deposit make it a secure, flexible choice. You can apply for an ICICI HFC FD online through the DigiLocker-based process for a fast, paperless booking experience.
FAQs on ICICI HFC Fixed Deposit
1.What Fixed Deposit schemes does ICICI HFC offer?
ICICI HFC offers three types of Fixed Deposit schemes: Cumulative, Quarterly, and Monthly Income plans. Each ICICI HFC FD plan pays out interest differently, so you can choose based on whether you want a lump sum at maturity or regular income.
2.What is the minimum amount required to open an ICICI HFC Fixed Deposit?
The minimum deposit for an ICICI HFC Fixed Deposit depends on the plan you choose, with the Cumulative plan needing the smallest amount and the Monthly Income plan needing the largest. See the FD Criteria table above for the exact minimum for each ICICI HFC FD plan.
3.Is there a maximum amount for an ICICI HFC Fixed Deposit?
No, ICICI HFC does not specify a maximum amount for its Fixed Deposit schemes. You can invest any amount above the applicable minimum for your chosen ICICI HFC FD plan, in multiples of Re. 1.
4.What is the minimum and maximum tenure for an ICICI HFC Fixed Deposit?
An ICICI HFC Fixed Deposit can be booked for a minimum tenure of 12 months and a maximum of 60 months. Resident Indians can choose any tenure within this range, while Non-Resident Indians can choose an ICICI HFC FD tenure of up to 36 months.
5.Are loans provided against FDs at ICICI HFC?
Yes, ICICI HFC offers a loan facility against your ICICI HFC Fixed Deposit at its discretion, available after three months from the deposit date for up to 75% of the deposit amount. The interest charged on such a loan is 2% higher than your FD's applicable rate. This facility is available only to individual depositors (other than minors and NRIs) and HUFs.
6.Does ICICI HFC offer senior citizens special rates on their fixed deposits?
Yes, ICICI HFC offers senior citizens an additional interest rate on their Fixed Deposit over the standard ICICI HFC FD rate, along with a separate preferential rate for ICICI Group employees. The exact additional rate is shown in the interest rate table above and may be revised periodically. You will need to provide valid proof of age to avail the senior citizen rate on your ICICI HFC FD.
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