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FD Interest Rates - Check Fixed Deposit Interest Rates in India
Now you can invest in ICICI Bank’s Fixed Deposits through the digital and branch channel for a fixed tenure, as per your convenience. You can multiply your savings with high FD interest rates through an ICICI Bank FD. ICICI Bank offers interest rates as high as 6.5% p.a. for Senior Citizens (above the age of 60 years) and up to 5.6% p.a. for citizens below age of years. With the current uncertainty and highly volatile market, you can always rely on ICICI Bank’s Fixed Deposits for assured and guaranteed returns. An ICICI Bank FD is one of the safest FDs and rated as “AAA”, beating any competition with ease.
FD Interest rates on Domestic, NRO & NRE deposits(Less than ₹5 Crore)
| Maturity Period | Interest rates (per cent per annum) w.e.f. June 22, 2022 | Interest rates (per cent per annum) w.e.f. July 01, 2022 | ||
|---|---|---|---|---|
| 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 | 2.75% | 3.25% | 3.10% | 3.10% |
| 15 days to 29 days | 2.75% | 3.25% | 3.10% | 3.10% |
| 30 days to 45 days | 3.25% | 3.75% | 3.25% | 3.25% |
| 46 days to 60 days | 3.25% | 3.75% | 3.50% | 3.50% |
| 61 days to 90 days | 3.25% | 3.75% | 4.00% | 4.00% |
| 91 days to 120 days | 3.75% | 4.25% | 4.75% | 4.75% |
| 121 days to 150 days | 3.75% | 4.25% | 4.75% | 4.75% |
| 151 days to 184 days | 3.75% | 4.25% | 4.75% | 4.75% |
| 185 days to 210 days | 4.65% | 5.15% | 5.25% | 5.25% |
| 211 days to 270 days | 4.65% | 5.15% | 5.25% | 5.25% |
| 271 days to 289 days | 4.65% | 5.15% | 5.35% | 5.35% |
| 290 days to less than 1 year | 4.65% | 5.15% | 5.35% | 5.35% |
| 1 year to 389 days | 5.35% | 5.85% | 5.60% | 5.60% |
| 390 days to < 15 months | 5.35% | 5.85% | 5.60% | 5.60% |
| 15 months to < 18 months | 5.35% | 5.85% | 5.60% | 5.60% |
| 18 months to 2 years | 5.35% | 5.85% | 5.75% | 5.75% |
| 2 years 1 day to 3 years | 5.50% | 6.00% | 5.75% | 5.75% |
| 3 years 1 day to 5 years | 5.70% | 6.20% | 5.75% | 5.75% |
| 5 years 1 day to 10 years | 5.75% | #6.50% | 5.75% | 5.75% |
| 5 Years (80C FD) – Max to `1.50 lac | 5.70% | 6.20% | NA | NA |
*NRE rates applicable for tenure of 1 year and above only.
**Senior Citizen rates applicable only for domestic term deposits.
Note:
- As ICICI Bank FD interest rates are subject to change without prior notice, the depositor shall ascertain the rates on the value date of the FD
- Interest earned on the Fixed Deposit will be subject to Tax Deducted at Source, as per Income Tax laws
- Minimum tenure for Domestic and 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 the deposit
- Minimum amount to open an ICICI Bank FD is Rs 10,000
- 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 the deposit
- These revised Fixed Deposit interest rates will be applicable for new ICICI Bank Fixed Deposits and renewal of existing Term Deposits
- *Senior Citizen rates are applicable only for Domestic Term Deposits
- One customer can avail a maximum tax deduction of Rs 1,50,000 from taxable income through an ICICI Bank FD
- ICICI Bank staff (including retired staff) will get an additional 1% rate of interest on domestic deposits below Rs 2 crore.
ICICI Bank Golden Years FD Interest Rates (w.e.f 22nd June’22)
Now get an exclusive additional interest rate of 0.25% per annum on your Fixed Deposits above 5 years tenure
- Resident Senior Citizen customers will get an additional interest rate on an FD of 0.25% for a limited time over and above the existing additional rate of 0.50% per annum (include keyword ‘interest rate on FD)
- 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
- Scheme Period : Valid up to Oct 07, 2022>
- Applicable on single FD opened through ICICI Bank of an amount less than Rs crore
- Premature withdrawal on FD: In case a Fixed Deposit is opened and the above scheme is prematurely withdrawn/closed after, on or after 5 years 1 day, the applicable penal rate will be 1.25%. In case the deposit opened in the above scheme is prematurely withdrawn/closed before 5 years 1 day, the prevailing premature withdrawal policy will be applicable (include keyword ‘premature withdrawal on FD’).
- All other features of the Term Deposit as well as the terms and conditions shall remain unchanged and are applicable for the above-mentioned schemes.
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 July 01, 2022 | ||||||
|---|---|---|---|---|---|---|---|
| ₹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 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 |
| 15 days to 29 days | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 |
| 30 days to 45 days | 3.10 | 3.25 |
3.10 | 3.25 | 3.25 | 3.25 | 3.25 |
| 46 days to 60 days | 3.10 | 3.50 | 3.10 | 3.50 | 3.50 | 3.50 | 3.50 |
| 61 days to 90 days | 3.10 | 4.00 | 3.10 | 4.00 | 4.00 | 4.00 | 4.00 |
| 91 days to 120 days | 3.60 | 4.75 | 3.60 | 4.75 | 4.75 | 4.75 | 4.75 |
| 121 days to 150 days | 3.60 | 4.75 | 3.60 | 4.75 | 4.75 | 4.75 | 4.75 |
| 151 days to 184 days | 3.60 | 4.75 | 3.60 | 4.75 | 4.75 | 4.75 | 4.75 |
| 185 days to 210 days | 3.75 | 5.25 | 3.75 | 5.25 | 5.25 | 5.25 | 5.25 |
| 211 days to 240 days | 3.75 | 5.25 | 3.75 | 5.25 | 5.25 | 5.25 | 5.25 |
| 241 days to 270 days | 3.75 | 5.25 | 3.75 | 5.30 | 5.25 | 5.25 | 5.25 |
| 271 days to 300 days | 4.00 | 5.35 | 4.00 | 5.35 | 5.35 | 5.35 | 5.35 |
| 301 days to 330 days | 4.00 | 5.35 | 4.00 | 5.35 | 5.35 | 5.35 | 5.35 |
| 331 days to < 1 year | 4.00 | 5.35 | 4.00 | 5.35 | 5.35 | 5.35 | 5.35 |
| 1 year to 389 days | 4.50 | 5.60 | 4.50 | 5.80 | 5.60 | 5.60 | 5.60 |
| 390 days to < 15 months | 4.50 | 5.60 | 4.50 | 5.80 | 5.60 | 5.60 | 5.60 |
| 15 months to < 18 months | 4.50 | 5.60 | 4.50 | 5.80 | 5.60 | 5.60 | 5.60 |
| 18 months to 2 years | 4.50 | 5.75 | 4.50 | 5.75 | 5.75 | 5.75 | 5.75 |
| 2 years 1 day to 3 years | 4.50 | 5.75 | 4.50 | 5.75 | 5.75 | 5.75 | 5.75 |
| 3 years 1 day to 5 years | 4.50 | 5.75 | 4.50 | 5.75 | 5.75 | 5.75 | 5.75 |
| 5 years 1 day to 10 years | 4.50 | 5.75 | 4.50 | 5.75 | 5.75 | 5.75 | 5.75 |
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.
FD Interest 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 July 01, 2022 | |||||||
|---|---|---|---|---|---|---|---|---|
| ₹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 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 |
| 15 days to 29 days | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 | 3.10 |
| 30 days to 45 days | 3.25 | 3.25 | 3.25 | 3.25 | 3.25 | 3.25 | 3.25 | 3.25 |
| 46 days to 60 days | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 |
| 61 days to 90 days | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 |
| 91 days to 120 days | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 |
| 121 days to 150 days | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 |
| 151 days to 184 days | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 |
| 185 days to 210 days | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| 211 days to 240 days | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| 241 days to 270 days | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| 271 days to 300 days | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 |
| 301 days to 330 days | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 |
| 331 days to < 1 year | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 | 5.75 |
| 1 year to 389 days | 6.10 | 6.10 | 6.10 | 6.10 | 6.40 | 6.10 | 6.10 | 6.10 |
| 390 days to < 15 months | 6.10 | 6.10 | 6.10 | 6.10 | 6.40 | 6.10 | 6.10 | 6.10 |
| 15 months to < 18 months | 6.10 | 6.10 | 6.10 | 6.10 | 6.40 | 6.10 | 6.10 | 6.10 |
| 18 months to 2 years | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 |
| 2 years 1 day to 3 years | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 |
| 3 years 1 day to 5 years | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 |
| 5 years 1 day to 10 years | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 | 6.30 |
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.
Frequently Asked Questions (FAQs) for Interest Rate
Can you avail monthly FD interest rates?
Yes, now you can avail a monthly interest payout on your ICICI Bank FD. Please contact your Relationship Manager for more details.
Is the interest on an FD taxable?
Yes, the interest earned on your ICICI Bank FD is taxable as per your income bracket. Interest earned from your ICICI Bank FD is subject to the Tax Deducted at Source, as per income tax laws. You can opt for a tax saver FD where you can save taxes up to Rs 46,800.
How much interest rate you can earn through an FD?
You can now earn a maximum interest rate of up to 5.75% p.a. and a maximum interest rate of up to 6.5% p.a. on an ICICI Bank FD.
How can you maximise FD interest rates?
You can maximise your FD interest rates by opting for the highest tenure (more than 5 years). ICICI Bank gives you the highest FD interest rates of up to 6.5 % p.a. for Senior Citizens and up to 5.75% p.a. for citizens below the age of 60 years.
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