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Offer Zone Rates & Charges
Rates & Charges
 
FD, RD & iWish
General
(390 days - 2 yrs)
8.75% Apply Now
Senior Citizens
(390 days - 2 yrs)
9.25% Apply Now
 
Loans
Home Loan 
(Upto 75 lacs)
10.15*% Apply Now
Personal Loan
(Upto 15 lacs)
13.00*% Apply Now

More Rates       Service Charges & Fees

Interest Rates

Savings Account


SAVINGS BANK ACCOUNTRATE OF INTEREST#MINIMUM BALANCE*
 NORMALSENIOR CITIZEN 
Domestic#      
a. With cheque book facility 4.00% 4.00%

Metro, Urban - Rs.10,000

Semi Urban - Rs.5,000

Rural - Rs.2,000

b. No Frills Account / Basic Savings Bank Account 4.00% 4.00%

Zero

Non Resident      
NRO / NRE
4.00% 4.00%

Metro, Urban, Semi Urban - Rs.15,000

Rural - Rs.5,000

 

# Interest Rate revised from 3.50% p.a to 4.00% p.a w.e.f. May 3, 2011

Fixed Deposits


 

INTEREST RATES ON DOMESTIC & NRO DEPOSITS (Less than ₹ 1 crore)

 

Maturity PeriodCurrent Rate of Interest (% p.a.) w.e.f November 28, 2014
General Senior Citizen*
7 days to 14 days 4.50 5.00
15 days to 29 days 4.75 5.25
30 days to 45 days 5.50 6.00
46 days to 60 days 7.00 7.50
61 days to 289 days 7.75 8.25
290 days to less than 1 year 7.75 8.25
1 year to 389 days 8.00 8.50
390 days upto 2 years 8.75 9.25
2 years 1 day upto 3 years 8.75 9.50
3 years 1 day upto 5 years 8.75 9.25
5 years 1 day upto 10 years 8.50 9.25
Tax Saver FD 80C (5 year) – Upto ₹ 1.50 lac 8.75 9.25

 

Note

  • As interest rates are subject to change without prior notice, depositor shall ascertain the rates on the value date of FD.
  • Interest earned on the Fixed Deposit will be subject to Tax Deducted at Source as per Income Tax laws.
  • Minimum tenure for Domestic & NRO term deposits is 7 days and no interest is payable for deposits prematurely withdrawn within the period of 7 days from the date of deposit.
  • These revised interest rates will be applicable for new deposits and renewal of existing term deposits.
  • *Senior Citizen rates applicable only for domestic term deposit.

 

INTEREST RATES ON DOMESTIC, NRO & NRE DEPOSITS ( ₹ 1 cr and above )

 

 

Single DepositCurrent Rate of Interest (% p.a.) w.e.f  December 20, 2014
Tenure Period ₹ 1 cr to less than ₹ 5 cr₹ 5 cr to less than ₹ 25 cr₹ 25 cr to less than ₹ 100 cr ₹ 100 cr to less than ₹ 250 cr ₹ 250 cr & above
7 days to 14 days 7.25
7.25
7.25
7.25
6.50
15 days to 29 days 7.25
7.50 7.50 7.50 7.50
30 days to 45 days 7.50 7.50 7.50 7.50 7.50
46 days to 60 days 7.50 7.50 7.50 7.50 7.50
61 days to 90 days 7.75
7.75
7.75
7.75
7.75
91 days to 120 days 8.00 8.00 8.00 8.00 8.00
121 days to 150 days 8.25 8.25 8.25 8.25
8.25
151 days to 184 days 8.25 8.25 8.25 8.50 8.50
185 days to 210 days 8.50
8.50 8.50 8.60 8.60
211 days to 240 days 8.50 8.50 8.50 8.60 8.60
241 days to 270 days 8.50
8.50 8.50 8.60 8.60
271 days to 300 days  8.50  8.60
 8.60
8.60
8.60
301 days to 330 days  8.50  8.60  8.60  8.60  8.60
331 days to less than 1 year  8.50  8.60  8.60  8.60  8.60
1 year to 389 days 8.75 8.80 8.75
8.75 8.75
390 days to less than 15 months 8.75
8.75
8.75
8.75
8.75
15 months to less than 18 months 8.50
8.50
8.50
8.50
8.50
18 months to 2 years 8.50
8.50
8.50
8.50
8.50
2 years 1 day to 3 years 8.50
8.50
8.50
8.50
8.50
3 years 1 day to 5 years 8.50
8.50
8.50
8.50
8.50
5 years 1 day to 7 years 8.50
8.50
8.50
8.50
8.50
7 years 1 day to 10 years 8.50
8.50
8.50
8.50
8.50

 

Note:

  • As interest rates are subject to change without prior notice, depositor shall ascertain the rates on the value date of FD.
  • Interest earned on the Fixed Deposit will be subject to Tax Deducted at Source as per Income Tax laws.
  • Minimum tenure for Domestic & NRO term deposits is 7 days and no interest is payable for deposits prematurely withdrawn within the period of 7 days from the date of deposit.
  • Minimum tenure for NRE term deposits is 1 year and no interest is payable for deposits prematurely withdrawn within the period of 1 year from the date of deposit.
  • These revised interest rates will be applicable for new deposits and renewal of existing term deposits.
  • For terms & conditions and any other details, please contact your nearest ICICI Bank Branch.

 

Premature withdrawal of Deposit:

 

On pre-mature withdrawal of the DOMESTIC, NRO & NRE deposits:

  • Interest will be calculated at the rate applicable for the period the deposit has actually remained with ICICI Bank.
  • Penalty will be levied on the rate applicable as per the table below
Original Tenure of DepositPenal Rates*
Less than ₹ 5.0 Crore₹ 5.0 Crore & above
Less than 1 year 0.50% 0.50%
1 year & above but less than 5 years 1.00% 1.00%
5 years and above 1.00% 1.50%

 

*Subject to revision without further notice.

Recurring / iWish Deposits


Tenure wise interest rates for Recurring Deposits:

 

Maturity PeriodRates of Interest (% p.a.) w.e.f November 28, 2014
General Senior Citizen
6 months 7.75 8.25
9 months 7.75 8.25
12 months 8.00 8.50
15 months 8.75 9.25
18 months 8.75 9.25
21 months 8.75 9.25
24 months 8.75 9.25
27 months 8.75 9.50
30 months 8.75 9.50
33 months 8.75 9.50
36 months 8.75 9.50
Above 3 years upto 5 years 8.75 9.25
Above 5 years upto 10 years 8.50 9.25

 

Note:

  • Recurring Deposits will be available for a minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.
  • As interest rates are subject to change without prior notice, depositor shall ascertain the rates on the value date of FD
  • For terms & conditions and any other details, please contact your nearest ICICI Bank Branch.

Penalty on Delayed Installment:

  • Penalty is charged at monthly interest at the rate of ₹ 12 per ₹ 1000 for all delayed installments.
  • Fraction of a month will be treated as full month for the purpose of calculating such interest.
  • The total interest so chargeable shall be recovered from the total amount of interest payable at the time of maturity. 

 

Tenure wise interest rates for iWish:

 

Tenure / Maturity PeriodRates of Interest# (% p.a.) w.e.f November 28, 2014
GeneralSenior Citizen
6 months - 11 months 7.75 8.25
12 months 8.00 8.50
13 months - 24 months 8.75 9.25
25 months - 3 years 8.75 9.50
37 months - 5 years 8.75 9.25
5 year 1 day - 10 years 8.50 9.25

 

*Subject to revision without further notice.

 

Premature withdrawal of Deposit:

 

On pre-mature withdrawal of the Recurring / iWish deposits:

  • Interest will be calculated at the rate applicable for the period the deposit has actually remained with ICICI Bank.
  • Penalty will be levied on the rate applicable as per the table below
Original Tenure of DepositPenal Rates*
Less than ₹ 5.0 Crore₹ 5.0 Crore & above
Less than 1 year 0.50% 0.50%
1 year & above but less than 5 years 1.00% 1.00%
5 years and above 1.00% 1.50%

 

*Subject to revision without further notice.

NRI Deposits


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