ICICI Bank FD rates
(Reference snapshot — with premature withdrawal — w.e.f. 24 April 2026)
See tenor-wise ICICI Bank fixed deposit interest rates below, then model maturity using our ICICI FD calculator.
On this page
Important notice
ICICI Bank FD interest rates — retail (domestic / NRO)
Table below: General citizen and senior citizen (% p.a.) for standard deposits with premature withdrawal, as published for 24 April 2026.
NRE deposits are typically offered for tenures of 1 year and above. Senior citizen premia apply to domestic FDs per bank policy.
| Tenor | General citizen (p.a.) | Senior citizen (p.a.) |
|---|---|---|
| 7 to 45 days | 2.75% | 3.25% |
| 46 to 90 days | 4.00% | 4.50% |
| 91 to 184 days | 4.50% | 5.00% |
| 185 days to < 1 year | 5.50% | 6.00% |
| 1 year to < 18 months | 6.25% | 6.75% |
| 18 months to 2 years | 6.30% | 6.80% |
| 2 years 1 day to 3 years | 6.45% | 6.95% |
| 3 years 1 day to 5 years | 6.50% | 7.10% |
| 5 years 1 day to 10 years | 6.50% | 7.00% |
| 5 years (Tax Saver FD) | 6.50% | 7.10% |
Larger tickets (for example ₹3 crore+) and non-withdrawable FDs use separate schedules on the bank’s site. Use this page as a quick reference for typical retail buckets only.
ICICI Bank NRI FD rates
NRO (Non-Resident Ordinary) rupee FDs are for funds earned in India; interest is taxable in India and TDS may apply. NRE (Non-Resident External) rupee FDs are for repatriable foreign earnings converted to rupees; interest is generally not taxed in India and there is typically no TDS on NRE interest. ICICI’s public notes also stress: senior citizen premia do not apply to NRI FDs, NRE minimum tenor is 1 year (up to 10 years), and NRO can usually be booked from 7 days upward. Minimum deposit is commonly ₹25,000 for NRI callable FDs with premature withdrawal.
Table below: less than ₹3 crore, with premature withdrawal, general (non-senior) rates as on the same public extract as above (24 April 2026). For callable rupee FDs on this slab, the published general figure is applied to NRO across all tenors shown; NRE uses the same tenor row where the product is offered (1 year and above). Non-callable, FCNR, and other amount bands may differ.
| Tenor | NRO (p.a.) | NRE (p.a.) |
|---|---|---|
| 7 to 29 days | 3.50% | — |
| 30 to 45 days | 4.25% | — |
| 46 to 60 days | 4.50% | — |
| 61 to 90 days | 4.75% | — |
| 91 to 184 days | 5.25% | — |
| 185 to 270 days | 5.50% | — |
| 271 days to < 1 year | 5.75% | — |
| 1 year to 389 days | 6.25% | 6.25% |
| 390 days to < 18 months | 6.25% | 6.25% |
| 18 months to 2 years | 6.30% | 6.30% |
| 2 years 1 day to 3 years | 6.45% | 6.45% |
| 3 years 1 day to 5 years | 6.50% | 6.50% |
| 5 years 1 day to 10 years | 6.50% | 6.50% |
Who gets which rate (summary)
- General public earns the first column; resident senior citizens (typically 60+) earn the second column on eligible domestic deposits.
- Rates move with funding conditions and policy; renewals and new bookings follow the rate prevailing when the deposit is actually placed and confirmed.
- TDS applies per Income Tax rules. The bank’s FAQs note thresholds such as ₹50,000 (general residents) and ₹1,00,000 (resident seniors) for TDS on interest—verify current limits and use 15G/15H if you qualify.
- Tax Saver FD is a distinct five-year lock-in product; rates are shown in the last row of the table.
Premature withdrawal (ICICI-style summary)
If you break an FD early, interest is generally paid for the actual period the money stayed, using the rate that would have applied for that shorter tenor at the time of original booking, then adjusted for the bank’s penalty—not necessarily your full contracted rate. No interest is paid if a domestic or NRO deposit is withdrawn in full within 7 days; NRE has stricter rules for very short periods.
| Original tenure | General citizen | Senior citizen |
|---|---|---|
| Less than 1 year | 0.50% | 0.50% |
| 1 year and above but < 5 years | 1.00% | 1.00% |
| 5 years and above | 1.00% | 1.50% |
Frequently asked questions
What are ICICI Bank FD rates for 1 year?
On this snapshot, the band 1 year to < 18 months is 6.25% p.a. for general citizens and 6.75% p.a. for seniors. Your exact maturity date within the bucket still needs confirmation at booking.
How do I get the best ICICI FD rate?
Choose a tenor that matches your liquidity needs; longer tenors are not always higher. Compare payout modes (cumulative vs monthly) because the quoted card rate is often for annual / cumulative structures, while periodic payouts may be discounted.
Can I calculate maturity for these rates?
Yes — use our ICICI FD calculator and enter the percentage from the slab that matches your planned tenure.
How does ICICI compare to HDFC or SBI?
Large banks often move rates together, but tenor-wise differences exist. See our HDFC FD interest rate page and how banks set FD rates for context.