What are the latest ICICI Bank FD interest rates for 2026?

ICICI bank currently offers FD interest rates ranging from 2.75% to 6.50% to regular citizens and 3.25% to 7.10% to senior citizens.

Can I withdraw FD anytime?

You can withdraw FD anytime excluding tax-saver FDs if you need to. However, a premature withdrawal penalty applies to the effective interest rate for which you keep the FD with the bank.

What is the minimum and maximum amount for ICICI Bank FD?

Minimum amount for booking an ICICI bank FD is ₹10,000 and maximum no limit.

Can I open ICICI FD online through internet banking?

You can open ICICI bank FD online through ICICI bank Netbanking.

What is the lock-in period for ICICI tax-saver FD?

ICICI bank Tax-saver FDs come with a lock-in period of 5 years.

ICICI Bank FD Rates 2026: Latest ICICI Fixed Deposit Interest Rates

Name: ICICI Fixed Deposit Rates
Brand: Interest Rates
Rating: 4.8 (14743 reviews)

ICICI Bank FD rates differ for senior and general citizens. The FD (Fixed Deposit) rates vary based on the tenure you choose to book. Usually, a longer tenure offers higher rates to FD investors. ICICI Bank tax-saver FD offers a 6.50% interest rate for general citizens allowing interest income and tax-saving under Section 80C.

Key Highlights

Highest ICICI FD rate (Regular Citizens) is 6.50% p.a.

Highest ICICI FD rate (Senior Citizens) is 7.10% p.a. (for 15–18 months tenure)

Tenure options ranges from 7 days to 10 years flexible for short, medium & long-term savings

Tax Saver FD offers 6.50% (Regular) & 7.10% (Senior Citizens) with Section 80C benefits.

Senior citizen benefits get additional 0.50% for select tenures

Premature withdrawal is allowed except tax-saver FD with 0.50%–1% penalty

Multiple payout options i.e. Monthly, quarterly, or cumulative is available

ICICI Fixed Deposit Rates for Below 3 Crore

ICICI fixed deposit rates are higher for senior citizens compared to general citizens. Usually, senior citizens get a 0.50% higher interest rate for the majority of the tenure. However, if a senior citizen opens an FD for 15 months to 18 months, he/she will get a 0.55% additional interest rate compared to regular FD rates.

ICICI Fixed Deposit Rates Above 3 Crore

With Premature Withdrawal Facility		Tenure	Without Premature Withdrawal Facility
General Citizen	Senior Citizen	Tenure	General Citizen	Senior Citizen
3.50%	3.50%	7 to 29 Days	3.50%	3.50%
4.25%	4.25%	30 to 45 Days	4.25%	4.25%
4.50%	4.50%	46 to 60 Days	4.50%	4.50%
4.75%	4.75%	61 to 90 Days	5.25%	5.25%
5.25%	5.25%	91 to 184 Days	5.9%	5.9%
5.5%	6%	185 to 270 Days	6.15%	6.15%
5.5%	6%	271 Days to < 1 Year	6.2%	6.2%
6.25%	6.75%	1 Year to 389 Days	6.6%	6.6%
6.25%	6.75%	390 Days to < 18 Months	6.6%	6.6%
6.3%	6.8%	18 Months to 2 Years	6.6%	6.6%
6.45%	6.95%	2 Years 1 Day to 3 Years	6.6%	6.6%
6.5%	7.00%	3 years 1 day to 5 years	6.6%	6.6%
6.5%	7.0%	5 Years 1 Day to 10 Years	6.6%	6.6%

ICICI FD Rates by Tenure (Short-, Medium- and Long-Term)

FD	Tenure	Regular Citizen Interest Rate	Senior Citizen Interest Rate
Short-Term FD	7 days to < 1 year	2.75% – 5.50%	3.25% – 6.00%
Medium-Term FD	1 year to 5 years	6.25% – 6.50%*	6.75% – 7.10%
Long-Term FD	5 years 1 day to 10 years	6.50%	7.10%

ICICI Bank offers term-wise fixed deposit rates for its customers as follows:

Short-term: ICICI Bank's short-term fixed deposit ranges between 7 days to less than 1 year with interest rates ranging between 2.75% to 5.5% for general citizens and 3.25% to 6% to senior citizens.
Medium-term: The tenure of medium-term FD at ICICI Bank is 1 year to 5 years with interest rates ranging from 6.25% to 6.50% for general citizens and 6.75% to 7.10% to senior citizens. The bank additionally offers a 5-year tax-saver FD at 6.5% and 7.10% for general and senior citizens.
Long-term: ICICI Bank’s long-term FD ranges between 5 years 1 day to 10 years offering an interest rate of 6.50% and 7.10% for general and senior citizens respectively.

Compare and get higher interest rates of up to 8.30%, book your FD with Stable Money partnered banks.

Benefits of ICICI Bank Fixed Deposits

You can reap the following benefits from ICICI fixed deposit rates:

Regular citizens can get interest rates as high as 6.50%.
Senior citizens can get the highest interest rate of 7.10%.
You can opt for monthly, quarterly or cumulative interest payout options based on the tenure.
For cumulative fixed deposits ranging between 6 months to 10 years, interest is compounded quarterly.

Types of ICICI Bank Fixed Deposits & Their Rates

ICICI Bank provides multiple fixed deposit options that cater to different financial needs from tax-saving goals to liquidity and long-term wealth building.

Regular Fixed Deposit

The Regular FD is a secure and flexible savings option ideal for individuals looking for steady returns. Investors can choose from 7 days to 10 years of tenure with quarterly compounded interest to maximize earnings. Full or partial withdrawal is available in case of emergencies, making it a popular choice for hassle-free savings.

Tax Saver Fixed Deposit

The Tax Saver FD is specifically designed for individuals who want to claim tax deductions up to ₹1.5 lakh under Section 80C while earning attractive returns. It comes with a fixed 5-year lock-in period, making it suitable for long-term tax planning. Investors can opt for monthly, quarterly, or reinvestment interest payouts.

Eligibility to Avail ICICI Fixed Deposit Interest Rates

You can be eligible to avail ICICI Bank FD rates if you belong to any of the following categories:

Citizen of India
Trusts
Associations
Clubs
Societies
Hindu Undivided Families (HUF)

Documents Required to Avail ICICI Bank Interest Rates

Customer Type	Key Documents Required	Instant Online Opening (Existing Customers)
Individuals (Resident)	Aadhaar Card, PAN Card (or Form 60), Passport-size photograph, and Address Proof (Utility bills/Voter ID).	Yes via iMobile Pay or Internet Banking.
Minors	Minor's Birth Certificate/School ID; Parent/Guardian's KYC (ID & Address proof) and PAN.	Yes if the guardian is an existing customer.
Senior Citizens	Standard KYC (Aadhaar/PAN) plus Age Proof (Passport/Voter ID).	Yes via digital channels.
Sole Proprietorship	Two firm-name documents (GST/Business License), PAN of proprietor, and identity/address proof of the proprietor.	Yes via InstaBIZ app with Video KYC.
Partnership Firm	Partnership Deed, PAN of the firm, and KYC documents for all partners and authorised signatories.	No (Process usually initiated online but completed offline).
Pvt/Public Ltd Co.	Certificate of Incorporation, MOA & AOA, Board Resolution, Company PAN, and KYC of Directors/Signatories.	No (Assisted process required).
HUF	HUF Declaration/Deed, PAN in the name of HUF, and KYC of the Karta.	No (Requires branch visit for verification).

Premature Liquidation of ICICI Bank Fixed Deposit

You can withdraw your ICICI Bank fixed deposits (except tax-saver FDs) in case of financial emergencies or other needs. However, the bank levies a 0.5% to 1% penalty on the effective interest rate for the tenure you keep the FD with ICICI Bank. Notably, the bank reserves the right to modify the penalty based on its terms and conditions from time to time.

Tax on ICICI Bank Fixed Deposit Interest

An ICICI Bank tax-saver FD allows you to avoid tax deductions up to ₹1.5 Lakh under Section 80C. However, interest on fixed deposits is taxable under the Income Tax Act, 1961. A 10% TDS applies if the total interest in a financial year exceeds ₹40,000 (₹50,000 for senior citizens), provided PAN card details are submitted. If PAN card details are not provided, a 20% TDS applies. To avoid TDS deduction, you can submit form 15G (15H for senior citizens).

ICICI Bank FD Interest Calculator

When deciding to open an ICICI bank FD, you can calculate returns from the fixed deposit using the ICICI Bank FD Calculator given below.

Compare ICICI Bank FD Interest Rates with Other Banks

Tenure	ICICI Bank	SBI	HDFC Bank	Axis Bank	Kotak Mahindra Bank
1 year	6.25% - 6.75%	6.25% - 6.75%	6.25% - 6.75%	6.25% - 6.75%	6.00% - 6.50%
2 years	6.45% - 6.95%	6.40% - 6.90%	6.45% - 6.95%	6.45% - 6.95%	6.70% - 7.20%
3 years	6.45% - 6.95%	6.30% - 6.80%	6.45% - 6.95%	6.45% - 6.95%	6.40% - 6.90%
4 years	6.50% - 7.10%	6.30% - 6.80%	6.50% - 7.00%	6.45% - 6.95%	6.40% - 6.90%
5 years	6.50% - 7.10%	6.05% - 7.05%	6.15% - 6.65%	6.45% - 7.20%	6.25% - 6.75%

Why Should You Choose Stable Money to Open FD?

Stable Money's partnered small finance banks and NBFCs offer interest rates as high as 8.30%. You can avail high interest rates if you open an FD with the Stable Money app. You will receive an FD certificate on booking your fixed deposit.

Further, these fixed deposits are insured up to ₹5 lakh under DICGC (Deposit Insurance Credit Guarantee Corporation) as per RBI (Reserve Bank of India) guidelines.