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Rates & Charges

Rates & Charges

Savings Account

NRE Savings*	3.00%	Apply Now

Fixed Deposit & RD

Know more about interest rates
NRE FD (5years 1 day upto 10 years)	5.50%	Know More
NRE FD (5years 1 day upto 10 years)	5.50%	Apply Now

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*Interest rates at 4% per annum for end of day balances equal to or above INR 50 lacs and 3.50% per annum for end of day balances below INR 50 lacs

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NRI ›Rates

NRE/NRO Account Interest Rates

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NRE and NRO Savings Account Rates

How is Savings Account Interest Rates Calculated?

Savings Bank Account interest will be calculated on the basis of end of day account balance maintained in savings bank account, at the rate of interest as specified by ICICI Bank time to time

With effective from 4th June 2020, the savings account interest rate applicable would be:

3% for end of day account balance of below ₹50 Lacs

3.5% for end of day account balance of ₹ 50 Lacs & above.

Interest is calculated on a daily basis on the daily closing balance in the Account, at the rate specified by ICICI Bank in accordance with Reserve Bank of India directives. The interest amount calculated is rounded off to the nearest rupee. With effect from March 30, 2016, interest will be paid quarterly in March, June, September and December.

RFC Savings

Interest rates (percent per annum) w.e.f. October 1, 2020
Currency	USD	GBP
Savings Bank account	0.25	0.10

Interest will be paid half-yearly in March and September.

NRE FD/RD Rates

Maturity Period	Less than INR 20.0 million (For deposits with quarterly payouts and cumulative deposits)
Interest rates (percent per annum*) with effective from June 22nd 2022
1 year to 389 days	5.35%
390 days to < 18 months	5.35%
18 months upto 2 years	5.35%
2 years 1 day upto 3 years	5.50%
3 years 1 day upto 5 years	5.70%
5 years 1 day upto 10 years	5.75%

*Percentage Per Annum after quarterly compounding. Nearest completed year considered for end of slab.
In case of premature withdrawals:
Before completion of 1 year: No interest will be payable and no penalty will be levied.
After completion of 1 year: On premature withdrawal of the deposit, 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:

Original Tenure of Deposit	Penal rates (in %)
Original Tenure of Deposit	Less than INR 50 million	INR 50 million & above
1 year & above but less than 5 years	1.00	1.00
5 years and above	1.00	1.50

NRE fixed deposits can be accepted for a minimum period of one year and a maximum period of ten years.
NRE Recurring Deposits can be accepted for a minimum tenure of 12 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.
The additional rate of interest of 0.5% p.a. payable on fixed deposits to senior citizens does not apply to NRE and NRO Fixed Deposits.
For deposit rates INR 20.0 million and above click here Refer interest rates updated under " Fixed Deposits > INTEREST RATES ON DOMESTIC, NRO & NRE DEPOSITS.
In case of NRE fixed deposits with monthly payouts , the interest will be paid at a discounted rate.
Penalty on delayed instalment for recurring deposits: Penalty is charged at monthly interest at the rate of INR. 12 per INR. 1,000 for all delayed instalments. 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.

Existing Customer New Customer

NRO FD/RD Rates

Maturity Period	Interest rates (percent per annum*) effective from June 22nd 2022
Maturity Period	Single Deposit of less than INR 20.0 million
7 days to 14 days	2.75%
15 days to 29 days	2.75%
30 days to 45 days	3.25%
46 days to 60 days	3.25%
61 days to 90 days	3.25%
91 days to 120 days	3.75%
121 days to 184 days	3.75%
185 days to 289 days	4.65%
290 days to less than 1 year	4.65%
1 year to 389 days	5.35%
390 days to < 18 months	5.35%
18 months upto 2 years	5.35%
2 years 1 day upto 3 years	5.50%
3 years 1 day upto 5 years	5.70%
5 years 1 day upto 10 years	5.75%
5 Years (80C FD)	5.70%

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

Note:

For deposit rates INR 20.0 million and above click here Refer interest rates updated under " Fixed Deposits > INTEREST RATES ON DOMESTIC, NRO & NRE DEPOSITS.
NRO Recurring Deposits can be accepted for a minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.
Additional 0.5% rate of interest payable on fixed deposits for senior citizens does not apply to NRE and NRO fixed deposits
Please note that the minimum tenure for NRO term deposits is 7 days and no interest is payable for deposits prematurely withdrawn within the period of 7 days
After completion of 7 days: On premature withdrawal of the deposit, 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:
In case of NRO fixed deposits with monthly payouts , the interest will be paid at a discounted rate
Penalty on delayed instalment for recurring deposits: Penalty is charged at monthly interest at the rate of INR. 12 per INR. 1,000 for all delayed instalments. 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.

Penalty for pre-mature withdrawal (all categories):

Original Tenure of Deposit	Penal rates (in %)
Original Tenure of Deposit	Less than INR 50 million	INR 50 million & 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

Existing Customer New Customer

FCNR FD Rates

Interest rates (percent per annum) w.e.f June,16th 2022 (For deposits with half yearly payouts and cumulative deposits)
Currency	USD	GBP	CAD	AUD	SGD	HKD
RATE	Rate	Rate	Rate	Rate	Rate	Rate
>= 12 months < 24 months	2.00	1.00	0.85	0.75	0.65	0.75
>= 24 months < 36 months	2.00	1.20	1.00	1.00	0.75	0.85
>= 36 months < 48 months	2.00	NA	NA	NA	NA	NA
>= 48 months < 60 months	2.00	NA	NA	NA	NA	NA
60 months	2.00	NA	NA	NA	NA	NA

RFC FD Rates

Interest rates (percent per annum) w.e.f June,16th 2022
Currency	USD	GBP
Overnight and upto 30 days	****
30 days to less than 6 months	0.30	0.01
6 months to less than 1 year	0.45	0.15
>= 12 months < 24 months	2.00	1.00
>= 24 months < 36 months	2.00	1.20
36 months	2.00	NA

OBU Deposit Rates

Maturities	Interest rate (% p.a.) Annual Compounding basis
Interest rates (percent per annum*) with effective from September 01, 2021
Upto 3 Months	0.05%
6 Months	0.05%
9 Months	0.05%
12 Months	0.05%
24 Months	0.05%
36 Months	0.05%
48 Months	0.05%
60 Months	0.05%
Above 60 months	0.05%

All rates are effective from September 01, 2021 for a single deposit less than US$ 100,000 / more than or equal to US$ 100,000 as the case may be. All the Interest rates are on annual compounding basis. In case of premature withdrawal, interest paid is on a pro rata basis at the rate prevailing on the date of booking the deposit less applicable penalty. The rate is for the term immediately preceding the term of the deposits (till premature withdrawal). All interest rates are subject to change without any prior notice.

The deposit is not covered by the deposit insurance Corporation of India. It shall be the sole discretion of ICICI Bank to determine whether or not to provide any kind of insurance cover for the deposit. The nature of the insurance, if any and the insurer, if any shall also be at the sole discretion of ICICI Bank.

EUR Interest rates effective from February 1, 2018 to February 28, 2018.
Maturities	(< EUR 90,000)		(>= EUR 90,000)
Maturities	Interest Rate (% p.a.) - Annual Compounding basis	Annualized Return (%)basis	Interest Rate (% p.a.) - Annual Compounding basis	Annualized Return (%)basis
3 Months	0.00%	0.00%	0.00%	0.00%
6 Months	0.00%	0.00%	0.00%	0.00%
9 Months	0.00%	0.00%	0.00%	0.00%
12 Months	0.00%	0.00%	0.00%	0.00%
24 Months	0.00%	0.00%	0.00%	0.00%
36 Months	0.00%	0.00%	0.00%	0.00%
48 Months	0.00%	0.00%	0.00%	0.00%
60 Months	0.00%	0.00%	0.00%	0.00%
72 Months	0.00%	0.00%	0.00%	0.00%

All rates are effective from February 1, 2018. for a single deposit less than EUR 90,000 / more than or equal to EUR 90,000 as the case may be. All the Interest rates are on annual compounding basis. In case of premature withdrawal,interest paid is on a pro rata basis at the rate prevailing on the date of booking the deposit less applicable penalty. The rate is for the term immediately preceding the term of the deposits (till premature withdrawal). All interest rates are subject to change without any prior notice.

The deposit is not covered by the deposit insurance Corporation of India. It shall be the sole discretion of ICICI Bank to determine whether or not to provide any kind of insurance cover for the deposit. The nature of the insurance, if any and the insurer, if any shall also be at the sole discretion of ICICI Bank.

GBP Interest rates effective from February 1, 2018 to February 28, 2018.
Maturities	(< GBP 60,000)		(>= GBP 60,000)
Maturities	Interest Rate (% p.a.) - Annual Compounding basis	Annualized Return (%)basis	Interest Rate (% p.a.) - Annual Compounding basis	Annualized Return (%)basis
3 Months	0.00%	0.00%	0.00%	0.00%
6 Months	0.00%	0.00%	0.00%	0.00%
9 Months	0.00%	0.00%	0.00%	0.00%
12 Months	0.00%	0.00%	0.00%	0.00%
24 Months	0.00%	0.00%	0.00%	0.00%
36 Months	0.00%	0.00%	0.00%	0.00%
48 Months	0.00%	0.00%	0.00%	0.00%
60 Months	0.00%	0.00%	0.00%	0.00%
72 Months	0.00%	0.00%	0.00%	0.00%

All rates are effective from February 1, 2018. for a single deposit less than GBP 60,000 / more than or equal to GBP 60,000 as the case may be. All the Interest rates are on annual compounding basis. In case of premature withdrawal,interest paid is on a pro rata basis at the rate prevailing on the date of booking the deposit less applicable penalty. The rate is for the term immediately preceding the term of the deposits (till premature withdrawal). All interest rates are subject to change without any prior notice.

The deposit is not covered by the deposit insurance Corporation of India. It shall be the sole discretion of ICICI Bank to determine whether or not to provide any kind of insurance cover for the deposit. The nature of the insurance, if any and the insurer, if any shall also be at the sole discretion of ICICI Bank.