What is the highest ICICI FD rate for senior citizens?

The highest ICICI Senior Citizen FD rate is 7.10% p.a. for deposits between 5 and 10 years.

Is ICICI FD Safe for Senior Citizens?

ICICI fixed deposits are safe as deposits up to ₹5 lakh per depositor per bank are covered under DICGC insurance.

Can senior citizens get a monthly income from an ICICI FD?

Yes. ICICI offers non-cumulative fixed deposits where interest can be paid monthly, quarterly, half-yearly, or annually.

What is the minimum amount required to open an ICICI Senior Citizen FD?

The minimum amount required to open an ICICI Senior Citizen Fixed Deposit is ₹1,000.

Is interest earned on ICICI Senior Citizen Fixed Deposits taxable?

Yes. Interest earned on ICICI Senior Citizen Fixed Deposits is taxable as per the applicable income tax slab. Banks may deduct TDS if annual FD interest exceeds the prescribed threshold limit.

ICICI Senior Citizen Fixed Deposit Rates

Name: ICICI Bank Senior Citizen FD Rates
Brand: Interest Rates
Rating: 4.9 (11274 reviews)

ICICI Bank offers attractive FD rates for senior citizens ranging from 3.25% to 7.10% p.a. across tenures of 7 days to 10 years. Continue reading for the latest ICICI Senior Citizen FD rates and special FD schemes for senior citizens.

ICICI Senior Citizen FD Snapshot	Details
Highest Senior Citizen FD Rate	7.10%
FD Tenure Range	7 to 10 Years
Minimum FD Amount	Rs. 1000/-
Premature Withdrawal Facility	Available with a penalty of 0.5% to 1%
Loan Against FD	Up to 90% of the fixed deposit amount.

ICICI Senior Citizen FD Rates (Less Than ₹3 Crore)

The table below provides a detailed breakdown of ICICI Bank Senior Citizen FD rates for fixed deposits below ₹3 crore across different tenure options

Tenure	Senior Citizen FD Rates (per annum)
7- 45 days	3.25%
46-90 days	4.50%
91-184 days	5.00%
185-<1 Year	6.00%
1 Year to 18 Months	6.75%
18 Months- 2 Years	6.80%
2 Years 1 Day to 3 Years	6.95%
3 Years 1 Day to 5 Years	7.10%
5 Years 1 Day to 10 Years	7.00%
5Y (Tax Saver FD)	7.10%

ALSO READ: Senior Citizen FD Rates

Use the ICICI FD Calculator below to estimate the maturity amount and interest earned on your ICICI Bank fixed deposit based on your investment amount, tenure, and applicable FD rate.

ICICI Senior Citizen FD Rates (Above ₹3 Crore)

ICICI Bank offers a separate set of FD interest rates for senior citizens looking to invest more than ₹3 crore, depending on the tenure. Here is a quick breakdown of senior citizen FD rates above 3 crore-

Tenure	Senior Citizen FD Rates (per annum)
7 to 29 Days	3.5%
30 to 45 Days	4.25%
46 to 60 Days	4.5%
61 to 90 Days	4.75%
91 to 184 Days	5.25%
185 to 270 Days	6.00%
271 Days to < 1 Year	6.00%
1 Year to 389 Days	6.75%
390 Days to < 18 Months	6.75%
18 Months to 2 Years	6.80%
2 Years 1 Day to 3 Years	6.95%
3 Years 1 Day to 5 Years	7.10%
5 Years 1 Day to 10 Years	7.00%

ALSO READ: ICICI Bank Fixed Deposit Interest Rates

Compare ICICI Senior Citizen FD Interest Rates with Other Banks

Several banks currently offer higher interest rates than ICICI for specific tenures. The table below compares ICICI senior citizen Fixed Deposit rates with other banks' FD rates.

Bank	Highest Rate
ICICI Bank	7.10% (3 to 5 Years)
Shivalik Small Finance Bank	8.30% (21 to 22 Months)
Suryoday Small Finance Bank	8.25% (30 Months)
Utkarsh Small Finance Bank	8.25% (666 Days)
Jana Small Finance Bank	8.00% (370–380 Days)
Mahindra Finance	7.80% (48 to 60 Months)
Indusind Bank	7.75% (24 to 36 Months)
Shriram Finance Bank	7.75% (36 to 60 Months)
Bajaj Finance	7.75% (31 to 60 Months)
RBL Bank	7.70% (18 to 36 months)
Sundaram Finance	7.50% (24 to 60 Months)
ICICI Housing Finance	7.35% (48 to 60 Months)
Indian Bank	7.30% (555 Days)
Kotak Mahindra Bank	7.30% (2 to 3 Years)
Bank of India	7.20% (3 years)
SBI	7.05% (5 to 10 Years)
HDFC Bank	7.00% (3 to 4 Years)
Bank of Baroda	7.00% (5 to 10 Years)
Axis Bank	6.95% (15 Months to 5 Years)