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Fixed Deposit Interest Rates

Interest rates on Domestic, NRO & NRE deposits(Less than ₹ 5 crore)

Maturity Period	Interest rates (per cent per annum) w.e.f. October 21, 2020		Interest rates (per cent per annum) w.e.f. December 04, 2020
	Single deposit of less than ₹ 20.0 million		Single deposit of ₹ 20.0 mn & above but less than 50.0 mn
	General	**Senior Citizen	General	**Senior Citizen
7 days to 14 days	2.50%	3.00%	2.50%	2.50%
15 days to 29 days	2.50%	3.00%	2.50%	2.50%
30 days to 45 days	3.00%	3.50%	2.75%	2.75%
46 days to 60 days	3.00%	3.50%	2.75%	2.75%
61 days to 90 days	3.00%	3.50%	3.00%	3.00%
91 days to 120 days	3.50%	4.00%	3.00%	3.00%
121 days to 184 days	3.50%	4.00%	3.00%	3.00%
185 days to 210 days	4.40%	4.90%	3.50%	3.50%
211 days to 270 days	4.40%	4.90%	3.50%	3.50%
271 days to 289 days	4.40%	4.90%	3.65%	3.65%
290 days to less than 1 year	4.40%	4.90%	3.65%	3.65%
1 year to 389 days	4.90%	5.40%	3.75%	3.75%
390 days to < 18 months	4.90%	5.40%	3.75%	3.75%
18 months to 2 years	5.00%	5.50%	3.75%	3.75%
2 years 1 day to 3 years	5.15%	5.65%	4.25%	4.25%
3 years 1 day to 5 years	5.35%	5.85%	4.25%	4.25%
5 years 1 day to 10 years	5.50%	#6.30%	4.25%	4.25%
5 Years (80C FD) – Max to ₹ 1.50 lac	5.35%	5.85%	NA	NA

*NRE rates applicable for tenure of 1 year and above only.

**Senior Citizen rates applicable only for domestic term deposits.

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Minimum tenure for Domestic & NRO term deposits is 7 days and no interest is payable for deposits prematurely withdrawn within the period of 7 days from the date of deposit.
Minimum tenure for NRE term deposits is 1 year and no interest is payable for deposits prematurely withdrawn within the period of 1 year from the date of deposit.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.
*Senior Citizen rates applicable only for domestic term deposit.
The maximum aggregate amount that can be invested in the Tax Saver FD (80C FD) under a single PAN is ₹150,000 and the same cannot be closed prematurely before expiry of the lock-in period of 5 years.
ICICI bank staff (including retired staff) will get additional 1% rate of interest on domestic deposit below ₹ 2 Cr.

ICICI Bank Golden Years FD Rates (w.e.f 20 may'20)

Now get an exclusive additional interest rate of 0.30% per annum on your Fixed Deposits above 5 years tenure

Resident Senior citizen customers, will get an additional interest rate of 0.30% for limited time over and above existing additional rate of 0.50% per annum
The additional rate will be available on fresh deposits opened as well as deposits renewed during the scheme period.
Eligible FD tenure: 5 years 1 day up to 10 years
Applicable duration: 20^th May, 2020 to 31^st March, 2021
Applicable on single FD of amount < 2cr
Premature withdrawal: In case deposit opened in above scheme is prematurely withdrawn/closed after, on or after 5 years 1 day, the applicable penal rate will be 1.30%. In case the deposit opened in above scheme is prematurely withdrawn/closed before 5 years 1 day, the prevailing premature withdrawal policy will be applicable.
All other features of term deposit as well as terms and conditions shall remain unchanged and are applicable for the above scheme also.

FD INTEREST RATES ON DOMESTIC, NRO & NRE DEPOSITS with premature withdrawal facility ( ₹ 5 cr and above )

Single Deposit Tenure Period	Rate of Interest (% p.a.) w.e.f December 04, 2020
Single Deposit Tenure Period	₹ 5.00 crore to < ₹ 5.10 crore	₹ 5.10 crore to < ₹ 24.90 crore	₹ 24.90 crore to < ₹ 25.00 crore	₹ 25.00 crore to < ₹ 100.00 crore	₹ 100.00 crore to < ₹ 250.00 crore	₹ 250.00 crore to < ₹ 500.00 crore	> = ₹ 500.00 crore
7 days to 14 days	2.50	2.50	2.50	2.50	2.50	2.50	2.50
15 days to 29 days	2.50	2.50	2.50	2.50	2.50	2.50	2.50
30 days to 45 days	2.50	2.75	2.50	2.75	2.75	2.75	2.75
46 days to 60 days	2.50	2.75	2.50	2.75	2.75	2.75	2.75
61 days to 90 days	2.60	3.00	2.60	3.00	3.00	3.00	3.00
91 days to 120 days	2.60	3.00	2.60	3.00	3.00	3.00	3.00
121 days to 150 days	2.60	3.00	2.60	3.00	3.00	3.00	3.00
151 days to 184 days	2.60	3.00	2.60	3.00	3.00	3.00	3.00
185 days to 210 days	2.75	3.50	2.75	3.50	3.50	3.50	3.50
211 days to 240 days	2.75	3.50	2.75	3.50	3.50	3.50	3.50
241 days to 270 days	2.75	3.50	2.75	3.50	3.50	3.50	3.50
271 days to 300 days	2.75	3.65	2.75	3.65	3.65	3.65	3.65
301 days to 330 days	2.75	3.65	2.75	3.65	3.65	3.65	3.65
331 days to < 1 year	2.75	3.65	2.75	3.65	3.65	3.65	3.65
1 year to 389 days	3.00	3.75	3.00	3.75	3.75	3.75	3.75
390 days to < 15 months	3.00	3.75	3.00	3.75	3.75	3.75	3.75
15 months to < 18 months	3.00	3.75	3.00	3.75	3.75	3.75	3.75
18 months to 2 years	3.00	3.75	3.00	3.75	3.75	3.75	3.75
2 years 1 day to 3 years	3.00	4.25	3.00	4.25	4.25	4.25	4.25
3 years 1 day to 5 years	3.00	4.25	3.00	4.25	4.25	4.25	4.25
5 years 1 day to 10 years	3.00	4.25	3.00	4.25	4.25	4.25	4.25

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.
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 Fixed Deposit

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

interest will be calculated at the rate applicable for the period for which the deposit was held with the Bank or contracted rate of the deposit whichever is lower, plus applicable penalty as below:
Penalty will be levied on the rate applicable as per the table below

Original Tenure of Deposit	Penal 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.

Fixed Deposits Rates (without premature withdrawal facility)

INTEREST RATES ON DOMESTIC, NRO & NRE DEPOSITS without premature withdrawal facility ( ₹ 2 cr and above ). These fixed deposits do not have premature withdrawal facility, i.e., the fixed deposit cannot be closed by the depositor before expiry of the term of such deposit.

Single Deposit Tenure Period	Rate of Interest (% p.a.) w.e.f December 04, 2020
Single Deposit Tenure Period	₹ 2.00 crore to <₹5.00 crore	₹ 5.00 crore to <₹5.10 crore	₹ 5.10 crore to <₹24.90 crore	₹ 24.90 crore to <₹25.00 crore	₹ 25.00 crore to <₹100.00 crore	₹ 100.00 crore to <₹250.00 crore	₹ 250.00 crore to <₹500.00 crore	> =₹500.00 crore
7 days to 14 days	2.50	2.50	2.50	2.50	2.50	2.50	2.50	2.50
15 days to 29 days	2.50	2.50	2.50	2.50	2.50	2.50	2.50	2.50
30 days to 45 days	2.75	2.75	2.75	2.75	2.75	2.75	2.75	2.75
46 days to 60 days	2.75	2.75	2.75	2.75	2.75	2.75	2.75	2.75
61 days to 90 days	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
91 days to 120 days	3.10	3.10	3.10	3.10	3.10	3.10	3.10	3.10
121 days to 150 days	3.10	3.10	3.10	3.10	3.10	3.10	3.10	3.10
151 days to 184 days	3.10	3.10	3.10	3.10	3.10	3.10	3.10	3.10
185 days to 210 days	3.60	3.60	3.60	3.60	3.60	3.60	3.60	3.60
211 days to 240 days	3.60	3.60	3.60	3.60	3.60	3.60	3.60	3.60
241 days to 270 days	3.60	3.60	3.60	3.60	3.60	3.60	3.60	3.60
271 days to 300 days	3.75	3.75	3.75	3.75	3.75	3.75	3.75	3.75
301 days to 330 days	3.75	3.75	3.75	3.75	3.75	3.75	3.75	3.75
331 days to < 1 year	3.75	3.75	3.75	3.75	3.75	3.75	3.75	3.75
1 year to 389 days	3.85	3.85	3.85	3.85	3.85	3.85	3.85	3.85
390 days to < 15 months	3.85	3.85	3.85	3.85	3.85	3.85	3.85	3.85
15 months to < 18 months	3.85	3.85	3.85	3.85	3.85	3.85	3.85	3.85
18 months to 2 years	3.85	3.85	3.85	3.85	3.85	3.85	3.85	3.85
2 years 1 day to 3 years	4.35	4.35	4.35	4.35	4.35	4.35	4.35	4.35
3 years 1 day to 5 years	4.35	4.35	4.35	4.35	4.35	4.35	4.35	4.35
5 years 1 day to 10 years	4.35	4.35	4.35	4.35	4.35	4.35	4.35	4.35

For availing Fixed Deposit without premature closure facility, please contact your relationship manager or visit the nearest branch.

Specific Terms and conditions for deposits without premature withdrawal facility

These terms and conditions ("Terms") apply to fixed deposits without premature withdrawal facility, opened with ICICI Bank, as per the guidelines prescribed by Reserve Bank of India (RBI) in this regard from time to time ("Fixed Deposit"). These Terms shall be in addition to and not in derogation of the terms and conditions governing ICICI Bank Fixed Deposits available on www.icicibank.com ("Primary Terms"). In the event of any contradiction in the Terms and the Primary Terms, these Terms shall prevail.
The Fixed Deposit does not have premature withdrawal facility i.e. the Fixed Deposit cannot be closed by the depositor before expiry of the term of such deposit. However, the Bank may allow premature withdrawal of these deposits in following exceptional circumstances: in the event of any direction from any statutory and/or regulatory authority or deceased claim settlement cases.
In the event of premature withdrawal of these deposits under above mentioned exceptional circumstances, the Bank will not pay any interest on the principal amount of the deposit. Any interest credited or paid upto the date of such premature closure will be recovered from the deposit amount.
Auto renewal facility is not available for such Fixed Deposits at time of opening of the Fixed Deposit account.
Minimum tenure for NRE FD is 1 year and maximum tenure is 10 years.
Minimum tenure for traditional NRO FDs without premature withdrawal facility is 3 months and maximum tenure is 10 years
Minimum tenure for cumulative NRO FDs without premature withdrawal facility is 6 months and maximum tenure is 10 years
Interest rates and minimum deposit value are subject to change without prior notice.