ICICI Bank offers Fixed Deposit Schemes to the general public, senior citrizen and Non-residential Indians (NRIs). FD interest rates of ICICI Bank for the general public ranging from 3.00-7.20% p.a. and 3.50-7.75% p.a. for senior citizens with tenures 7 days to 10 years. The interest rate on ICICI Bank Tax Saving FDs is 7.00% p.a. for the general public and 7.50% p.a. for senior citizen depositors for a tenure of 5 years.
This is the Latest FD Interest Rates 2025 for ICICI Bank
The interest rates shown in the table below apply to domestic, NRO, and NRE fixed deposits with premature withdrawal facility for a sum less than Rs. 2 crore.
Tenure | FD Rates for Regular Customer (p.a%) | FD Rates for Senior Citizens (p.a%) |
7 days to 14 days | 3.00% | 3.50% |
15 days to 29 days | 3.00% | 3.50% |
30 days to 45 days | 3.50% | 4.00% |
46 days to 60 days | 4.25% | 4.75% |
61 days to 90 days | 4.50% | 5.00% |
91 days to 120 days | 4.75% | 5.25% |
121 days to 150 days | 4.75% | 5.25% |
151 days to 184 days | 4.75% | 5.25% |
185 days to 210 days | 5.75% | 6.25% |
211 days to 270 days | 5.75% | 6.25% |
271 days to 289 days | 6.00% | 6.50% |
290 days to less than 1 year | 6.00% | 6.50% |
1 year to 389 days | 6.70% | 7.20% |
390 days to < 15 months | 6.70% | 7.20% |
15 months to < 18 months | 7.20% | 7.75% |
18 months to 2 years | 7.20% | 7.75% |
2 years 1 day to 3 years | 7.00% | 7.50% |
3 years 1 day to 5 years | 7.00% | 7.50% |
5 years 1 day to 10 years | 6.90% | #7.50% |
5 Years (80C FD) – Max to `1.50 lac | 7.00% | 7.50% |
*Interest Rates as of 13 March 2024
*NRE rates are only applicable for a tenure of 1 year and above.
**Senior Citizens FD interest rates are only applicable for Domestic Term Deposits.
Below interest rates apply to Domestic and NRI customers for deposits of more than Rs.2 crore and less than 5 crores.
Tenure | FD Rates for Regular Customer (p.a%) | FD Rates for Senior Citizens (p.a%) |
7 days to 14 days | 4.75% | 4.75% |
15 days to 29 days | 4.75% | 4.75% |
30 days to 45 days | 5.50% | 5.50% |
46 days to 60 days | 5.75% | 5.75% |
61 days to 90 days | 6.00% | 6.00% |
91 days to 120 days | 6.50% | 6.50% |
121 days to 150 days | 6.50% | 6.50% |
151 days to 184 days | 6.50% | 6.50% |
185 days to 210 days | 6.75% | 6.75% |
211 days to 270 days | 6.75% | 6.75% |
271 days to 289 days | 6.85% | 6.85% |
290 days to less than 1 year | 6.85% | 6.85% |
1 year to 389 days | 7.40% | 7.40% |
390 days to < 15 months | 7.30% | 7.30% |
15 months to < 18 months | 7.05% | 7.05% |
18 months to 2 years | 7.05% | 7.05% |
2 years 1 day to 3 years | 7.00% | 7.00% |
3 years 1 day to 5 years | 7.00% | 7.00% |
5 years 1 day to 10 years | 7.00% | 7.00% |
5 Years (80C FD) – Max to `1.50 lac | NA | NA
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The following interest rates apply to Fixed Deposit Schemes that do not have a premature withdrawal facility. Domestic and NRI Customers can open FD account with a deposit of less than 2 crore.
Tenure | Interest Rates (% p.a) |
7 days to 14 days | 4.75 |
15 days to 29 days | 4.75 |
30 days to 45 days | 5.50 |
46 days to 60 days | 5.75 |
61 days to 90 days | 6.00 |
91 days to 120 days | 7.00 |
121 days to 150 days | 7.00 |
151 days to 184 days | 7.00 |
185 days to 210 days | 7.25 |
211 days to 240 days | 7.25 |
241 days to 270 days | 7.25 |
271 days to 300 days | 7.35 |
301 days to 330 days | 7.35 |
331 days to < 1 year | 7.35 |
1 year to 389 days | 7.65 |
390 days to < 15 months | 7.50 |
15 months to < 18 months | 7.45 |
18 months to 2 years | 7.45 |
2 years 1 day to 3 years | 7.20 |
3 years 1 day to 5 years | 7.20 |
5 years 1 day to 7 years | 7.20 |
7 years 1 day to 10 years | 7.20 |
1. Regular Fixed Deposits:
2. Standalone Fixed Deposit:
3. ICICI Bank Golden Years FD:
4. Money Multiplier Fixed Deposit
This FD provides flexibility of a Savings Account combined with the lucrative returns of a Fixed Deposit Account.
5. ICICI Bank Tax Saver Fixed Deposit
This deposit allows tax deductions on incomes up to ₹1.5 Lakh under Section 80C of the Income Tax Act.
Carry your original documents for verification along with a photocopy of each document.
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.
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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