- Highlights for 2025 Fixed Deposit Scheme of ICICI Bank
- 2025 FD Interest Rates of ICICI Bank
- Types of ICICI Bank FD Schemes
- Basic Eligibility Criteria for ICICI Bank FD
- Documents Required for ICICI Bank FD
- ICICI vs Other Banks' FD Rates
- Tax Benefits on ICICI Bank Fixed Deposit
- FD Interest Rate Calculator
- Frequently Asked Questions
ICICI Bank Fixed Deposit (FD) Rates 2025
ICICI Bank offers Fixed Deposit (FD) schemes that provide steady returns and flexible investment options. The interest rates range from 3.00% – 7.25% p.a., with a minimum deposit of ₹10,000 and tenures starting from . Keep reading this blog to know more about ICICI Bank's Fixed Deposit and its interest rates.
Highlights for 2025 Fixed Deposit Scheme of ICICI Bank
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 3.50% - 7.75% p.a. |
Public Interest Rates | 3.00% - 7.25% p.a. |
Highest Interest Rates for Public | 7.25% p.a. |
Highest Interest Rates for Senior Citizens | 7.75% p.a. |
Premature Withdrawal | Penalty up to 1% |
Minimum Deposit Amount | ₹10,000 |
2025 FD Interest Rates of ICICI Bank
The interest rates shown in the table below apply to domestic, NRO, and NRE fixed deposits with premature withdrawal facility.
Tenure | General Citizen | Senior Citizen |
7 to 29 Days | 3.00% | 3.50% |
30 to 45 Days | 3.50% | 4.00% |
46 to 60 Days | 4.25% | 4.75% |
61 to 90 Days | 4.50% | 5.00% |
91 to 184 Days | 4.75% | 5.25% |
185 to 270 Days | 5.75% | 6.25% |
271 Days to < 1 Year | 6.00% | 6.50% |
1 Year to < 15 Months | 6.70% | 7.20% |
15 Months to < 18 Months | 7.25% | 7.85% |
18 Months to 2 Years | 7.25% | 7.75% |
2 Years 1 Day to 5 Years | 7.00% | 7.50% |
5 Years 1 Day to 10 Years | 6.90% | 7.40% |
5 Years (Tax Saver FD) | 7.00% | 7.50% |
*Interest Rates as of 13 March 2024
Types of ICICI Bank FD Schemes
Type of FD Scheme | Minimum Deposit Amount | Tenure | Features | Other Details |
Regular Fixed Deposit | ₹10,000 | 7 days to 10 years |
| Can be opened online via iMobile Pay, Internet Banking, ATM, or by visiting the branch. |
Standalone Fixed Deposit | ₹10,000 | Minimum 6 months |
| No requirement for a Savings Account or branch visit. |
ICICI Bank Golden Years FD | ₹10,000 | Over 5 years |
| Applies to new and auto-renewed deposits during the scheme period. |
Money Multiplier FD | ₹5,000 | Minimum 1 year |
| Ideal for people who need liquidity; great for earning interest while maintaining a savings balance. |
Tax Saver Fixed Deposit | ₹10,000 | Fixed 5 years |
| The lock-in period of 5 years; interest earned is entirely tax-free. Suitable for tax savers. |
Basic Eligibility Criteria for ICICI Bank FD
- Resident individuals
- Senior citizens
- Non-Resident Indians (NRIs)
- Hindu Undivided Families (HUFs)
Documents Required for ICICI Bank FD
- Identity Proof
- Passport
- PAN card
- Voter ID card
- Driving licence
- Government ID card
- Photo ration card
- Senior citizen ID card
- Address Proof
- Passport
- Telephone bill
- Electricity bill
- Bank Statement with Cheque
- Certificate/ID card issued by Post Office
Carry your original documents for verification along with a photocopy of each document.
ICICI vs Other Banks' FD Rates
Bank Name | Regular Customers (% p.a.) | Senior Citizens (% p.a.) |
HDFC Bank | 3.00% – 7.35% | 3.50% – 7.85% |
Punjab National Bank | 4.55% – 7.30% | 5.05% – 7.80% |
Axis Bank | 3.00% – 7.20% | 3.50% – 7.70% |
City Union Bank | 5.00% – 7.50% | 5.00% – 8.00% |
Canara Bank | 4.00% – 7.25% | 4.00% – 7.75% |
Bank of Baroda | 4.25% – 7.25% | 4.75% – 7.75% |
ICICI Bank | 3.00% – 7.25% | 3.50% – 7.80% |
HSBC Bank | 2.85-7.50% p.a. | 3.35- 8.00% p.a. |
Citibank | 2.10% – 7.77% | 2.60% – 8.27% |
State Bank of India | 3.50% – 7.10% | 4.00% – 7.60% |
Indian Overseas Bank | 4.00% – 7.30% | 4.50% – 7.80% |
IDBI Bank | 3.00% – 7.00% | 3.50% – 7.50% |
Indian Bank | 2.80% – 7.25% | 3.30% – 7.75% |
IDFC First Bank | 3.00% – 7.75% | 3.50% – 8.25% |
Post Office FD | 6.90% – 7.50% | 6.90% – 7.50% |
Kotak Bank | 2.75% – 7.40% | 3.25% – 7.90% |
Tax Benefits on ICICI Bank Fixed Deposit
ICICI Bank’s Tax Saver Fixed Deposit scheme offers reasonable returns coupled with income tax benefits. You can deposit up to Rs.1.5 lakh and get tax deduction under Section 80C of the Income Tax Act, 1961. The minimum sum you can deposit in the account is Rs.10,000. The scheme comes with a lock-in period of five years.
You have the freedom to choose the interest payout frequency, i.e. monthly, quarterly, or interest reinvestment. However, premature withdrawal and auto-renewal are not allowed. Note that the interest earned on FD accounts are taxable subject to certain conditions. That is, if the total interest earned from FD and RD accounts exceed Rs.40,000 (Rs.50,000 for senior citizens) per financial year, the tax will be deducted at source by the bank.
You can submit Form 15G/15H is applicable to request the bank not to deduct tax at source. This method stays valid only if your annual income does not exceed the basic exemption limit.
FD Interest Rate Calculator
Our easy-to-use FD calculator page helps you understand the possible returns you may receive upon depositing your money in a fixed deposit account.
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