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Fixed Deposit Calculator

Invest your idle funds in Fixed Deposit

  • Type of Customer:
  • Type of Fixed Deposit:
Amount:
Min Max*
  • Date Of FD:
  • Illustrative Interest Rates (In % p.a.):
  • Tenure:
    • Years

    • Months

    • Days

  • Maturity Date:
  • Total Interest:
  •  
  • Maturity value:

*T&C apply

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Fixed Deposit

Earn assured returns on your savings and meet your short-term as well as long-term goals with an ICICI Bank Fixed Deposit. Offering high interest rates and flexible investment tenures, our Fixed Deposits are one of the safest investment options. Opt for an ICICI Bank FD and let your investment grow over a period ranging from seven days to a decade!

You can open an FD with us through a number of channels like Internet Banking or iMobile. If you prefer accessing our banking services in-person, please get in touch with your relationship manager or simply visit the nearest ICICI Bank Branch to start your Fixed Deposit investment journey.

How to Create Fixed Deposits on Internet Banking
How to Create Fixed Deposits on Internet Banking

To know how to create fixed deposits on internet banking

take a look at this video:

How to Create Fixed Deposits on iMobile

To know how to create fixed deposits on iMobile

How to Create Fixed Deposits on iMobile

take a look at this video:

To know how to create Instant FD through iMobile

To know how to create Instant FD through iMobile

To know how to create Instant FD through iMobile

In this video, we will understand how you can open an instant fixed deposit through iMobile within a few seconds.

How to create Fixed Deposit on Internet Banking through other Bank account via UPI

How to create Fixed Deposit on Internet Banking through other Bank account via UPI

How to create Fixed Deposit on Internet Banking through other Bank account via UPI

To know how to create Fixed Deposit on Internet Banking through other Bank account via UPI Take a look at this video

How to Manage your Fixed Deposit on Internet Banking

To know how to manage your fixed deposit on internet banking

How to Manage your Fixed Deposit on Internet Banking

Managing your Fixed Deposit is very easy, quick and convenient on Internet Banking. Take a look at this video to understand:

  1. View your FD details
  2. Renew your FD for the same tenure
  3. Download your FD Advice
  4. View your Deposit Statement
  5. Update your FD nominee, when your FD Mode of operation case is Single
  6. In case of any emergency how you can avail of Overdraft against your FD
  7. How can you avail Credit card against your FD
  8. Submit Form 15G/H to save TDS
  9. Download Interest Certificate for your tax filing

Terms and conditions apply.

How to Manage your Fixed Deposit on iMobile

To know how to manage your fixed deposit on iMobile

How to Manage your Fixed Deposit on iMobile

Managing your Fixed Deposit is very easy, quick and convenient on iMobile. Take a look at this video to understand:

  1. View your FD details
  2. Download your FD Advice
  3. Renew your FD for the same tenure
  4. In case of any emergency how you can avail of Overdraft against your FD
  5. Submit Form 15G/H to save TDS
  6. Download Interest Certificate for your tax filing
  7. Download TDS Certificate
  8. Modify your FD nominee, when your FD Mode of operation case is Single
How to Avail Overdraft on your FD through iMobile

How to Avail Overdraft on your FD through iMobile

How to Avail Overdraft on your FD through iMobile

Fulfil all your short-term goals instantly with Overdraft against your FD on iMobile Pay. You cnstantly with Overdraft against your FD on iMobile Pay. You can avail overdraft of up to 90% of your FD amount. You can also enjoy the following benefits:

Very low interest rates, No repayment charges, Convenient paperless process. Terms and conditions apply.

Features and Benefits of Fixed Deposit

ICICI Bank customers can invest in our Fixed Deposit to help them meet their life goals. FD investors get to experience a variety of beneficial features, such as:

Why is FD an ideal investment?

  • Safety of your funds with the trust of ICICI Bank
  • Assured returns on your FD investment
  • Designed for convenience – Invest anytime, anywhere. Invest in an FD online using our iMobile Pay app or Internet Banking. For personal assistance we have branches, ATMs or Customer Care
  • Instant liquidity – Need urgent funds for emergencies? Get an Overdraft against your FD or opt for partial FD withdrawal. You can also opt for premature withdrawal of your Fixed Deposit for instant liquidity of your funds
  • Minimum Balance - You can avail ICICI Bank Fixed Deposits for a minimum deposit of Rs 10,000
  • Loan against FD - Avail a loan of up to 90% of the principal and accrued interest. Loan against a Fixed Deposit is given to the depositors at the discretion of the Bank
  • Flexible tenures at competitive FD rates. FD Investment starts with as low as just Rs 10,000 across flexible tenures to suit your needs from seven (7) days to up to ten (10) years.

Choice of FD Plans

Traditional plan

Traditional plann

Earn interest on a monthly or quarterly basis as per your requirement with our traditional fixed deposit, which has a maturity peri

Apply Now
Reinvestment plan

Reinvestment plan

Earn interest that is compounded quarterly and reinvested along with the principal amount through our reinvestment plan, which come

Apply Now
Money Multiplier

Money Multiplier

Money Multiplier feature gives you the liquidity of a savings account coupled with assured returns of a fixed deposit.

Apply Now

Type of Fixed Deposits

  • Regular FD
  • ICICI Bank Golden Years FD (For resident senior citizens)
  • Money Multiplier FD
  • Tax Saver FD
Regular Fixed Deposits

Regular Fixed Deposits

Regular Fixed Deposits
  • Simple investment product which offers safety, liquidity, flexibility and assured returns.
  • FD can be opened for minimum amount of ₹10,000.
  • Choose from flexible tenure ranging from seven (7) days to ten (10) years
  • Instant opening through both iMobile and internet banking.
  • Overdraft (OD) against FD up to 90% on principal plus accrued interest
  • Option of premature/partial withdrawal for urgent funds requirement

Golden years fixed deposit from ICICI Bank

Now get an exclusive additional interest rate of 0.20% on your Fixed Deposits above 5 years tenure

  • Resident Senior citizen customers, will get an additional interest rate of 0.20% for limited time over and above existing additional rate of 0.50%
  • Applicable duration: 20th May, 2020 to 7th April, 2023
  • 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 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 1.20%. 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.
  • In case any Fixed Deposit opened or renewed under this scheme is prematurely withdrawn/closed before five years and one day, the prevailing premature withdrawal policy is applicable.
  • All other features of term deposit as well as terms and conditions shall remain unchanged and are applicable for the above scheme also.

Steps to create an FD through Internet Banking:

  • 1. Log in to ICICI Bank Internet Banking
  • 2. Go to ‘Account and Deposits’
  • 3. Select ‘Deposits’
  • 4. Select ‘FD/RD’
  • 5. Select your FD type
  • 6. Select your FD tenure. ICICI Bank Fixed Deposit interest rates tenure wise
  • 7. Type your amount. You can open an FD for any amount greater than Rs 10,000
  • 8. Click on ‘Submit’. You have successfully opened an FD in ICICI Bank.

Money Multiplier FD

Money Multiplier FD

The Money Multiplier feature gives you the liquidity of a Savings Account coupled with high earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit linked to your Savings Account providing you the unique facilities.

Features:

  1. Minimum balance in the Savings/Current Account should be ₹15,000 to generate a linked FD request.
  2. The linked FDs will be under the same Customer ID and will be for a minimum tenure of 1 year for Savings Account customer.
  3. All FDs linked to the account will be enabled for automatic reverse sweep when the balance in the Savings Accounts falls below ₹10,000 for individual customers.
  4. FDs will be broken in Last-In, First-Out (LIFO) basis for reverse sweep.
  5. The Fixed Deposit will be opened in auto renewal mode. The deposit will be renewed for the same tenure as the original tenure.
  6. The interest rate on such Fixed Deposit will be the rate applicable for the respective period, prevailing as on the date of such auto renewal

Money Multiplier FD

Flexi Fixed Deposit for Current Account customers

The Flexi Fixed Deposit feature gives you the liquidity of a Current Account coupled with high earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit (FD) linked to your Current Account providing you the unique facilities.

Features of Flexi Fixed Deposit

  1. Minimum balance in the Current Account should be 1,05,000 to generate a linked FD request.
  2. All FDs linked to the Account will be enabled for automatic reverse sweep when the balance in the Current Account falls below 1,00,000 for individual customers.
  3. The linked FDs will be under the same Customer ID for Current Account customers.
  4. FDs will be broken in the Last-In, First-Out (LIFO) basis for reverse sweep.
  5. The Fixed Deposit will be opened in auto renewal mode. The deposit will be renewed for the same tenure as the original tenure.
  6. The interest rate on such Fixed Deposit will be the rate applicable for the respective period, prevailing as on the date of such auto renewal.

Terms and Conditions apply.

Tax Saver Fixed Deposits

Unique product which offers dual benefits of assured returns and tax savings. Tax Saver Fixed Deposits offers tax deduction up to ₹1.5 lakh under Section 80C of Income Tax Act.

  • Invest as small as ₹10,000
  • Fixed tenure of five years
  • Get tax deduction up to ₹1,50,000 under Section 80C*
  • Flexible interest payout – monthly, quarterly or reinvestment in principal
  • No premature withdrawal and auto-renewal facility
  • Interest earned is taxable

*Subject to Income Tax Act, 1961 and amendments thereto.

 

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Overdraft against your fixed deposit

Avail an overdraft against your fixed deposit of up to 90% of the principal and accrued interest, subject to ICICI Bank’s sole discretion. With this advantage, you can take care of your short-term emergency requirements without any hassles.

Easy nomination

Whether you hold your fixed deposit account solely or jointly, you can select a single nominee for the proceeds from your account. You only need to fill out a form that’s prescribed under the Banking Companies Act (Nomination Rules). For more details, do visit your nearest ICICI Bank branch.

Joint Declaration Form for allowing Premature Repayment of Term Deposits

Other Benefits

Fixed deposits of ICICI Bank also offer you a host of other benefits, such as:

  • Automatic renewal of your fixed deposit account at the end of the original tenure.
  • Convenient booking through multiple channels.
  • Partial withdrawal.

Why opt for ICICI Bank’s fixed deposits? 

If you are keen on knowing why you should open an FD with us, here are some excellent reasons to do so.

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Frequently Asked Questions (FAQs) for Fixed Deposit

What is a Fixed Deposit?


A Fixed Deposit (FD) is an investment product offered by banks and NBFCs to their customers. An FD promises you guaranteed returns that are calculated basis the interest offered at the time of opening an FD Account.  Interest rates may differ depending upon the tenure and amount you are opting for.

What are the types of FDs offered by ICICI Bank?


ICICI Bank offers broadly two types of FDs:

Traditional Fixed Deposit:Interest amount is credited at regular intervals, i.e., Quarterly or Monthly. Customer can opt for Monthly/Quarterly pay-out at the time of creating the Fixed Deposit

Cumulative Fixed Deposits:Customer will receive a lump-sum amount after maturity. The interest accrued is added back to the principal amount on quarterly intervals.

Who can invest in an ICICI Bank Fixed Deposit?


With ICICI Bank you can invest in a Fixed Deposit anytime, anywhere using the iMobile Pay app, Internet Banking, branch visit, ATMs or by contacting Customer Care.

What is the rate of interest for an ICICI Bank Fixed Deposit?


ICICI Bank offers great interest rates on Fixed Deposit. Click here to view the current rates.

How do I open a Fixed Deposit Account online?


With ICICI Bank you can open a Fixed Deposit anytime, anywhere using the iMobile Pay app, Internet Banking, branch visit, ATMs or by contacting Customer Care.

What is the minimum amount to open an FD?


A minimum deposit of Rs 10,000 is necessary to open an ICICI Bank Fixed Deposit. For Recurring Deposits, a minimum deposit of Rs 500 is required and later deposits in multiples of Rs 100 (monthly).

What is the minimum and maximum tenure for a Fixed Deposit?


ICICI Bank offers flexible tenures for FDs ranging from 7 days up to 10 years.

How can I calculate the interest on my Fixed Deposit?


You can calculate your interest rate using ICICI Bank’s Interest Rate Calculator.

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