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ICICI Bank FD Rates

One of India's major private banks, ICICI Bank, offers a range of banking products and financial services to retail and corporate customers. The bank reported total consolidated assets of Rs. 11,242.81 billion at March 31, 2018, and profit after tax of Rs. 67.77 billion for the year ended March 31, 2018. Presently, the bank has a network of 4,867 branches and 14,367 ATMs across the country. ICICI Bank offers a range of deposit products to meet varying needs of clients. Fixed deposits are increasingly gaining popularity among the masses, considering that it is a safe investment option compared to investments in stocks and mutual funds. Fixed deposits are investment accounts where money gets deposited for a fixed period and the interest rate does not fluctuate.

Fixed Deposits with Premature Withdrawal Facility

ICICI Bank Interest Rates on Domestic, NRO & NRE Deposits Less Than Rs. 2 crore - 2019

Tenure Period	Rate of Interest (% p.a.) w.e.f. March 7, 2019 General	Rate of Interest (% p.a.) w.e.f. March 7, 2019 Senior Citizen
7 days to 14 days	4.00	4.50
15 days to 29 days	4.25	4.75
30 days to 45 days	5.50	6.00
46 days to 60 days	6.00	6.50
61 days to 90 days	6.25	6.75
91 days to 120 days	6.25	6.75
121 days to 184 days	6.25	6.75
185 days to 289 days	6.50	7.00
290 days to less than 1 year	6.75	7.25
1 year to 389 days	6.90	7.40
390 days to 2 years	7.10	7.60
2 years 1 day up to 3 years	7.05	8.00
3 years 1 day up to 5 years	7.25	7.75
5 years 1 day up to 10 years	7.00	7.50
5 Years Tax saver FD (Max up to Rs. 1.50 lac)	7.25	7.75

ICICI Bank Interest Rates on Domestic, NRO & NRE Deposits - 2019

Tenure Period	Rs. 2 crores to < Rs. 5 crores	Rs. 5 crores to < Rs. 5.10 crores	Rs. 5.10 crores to < Rs. 24.90 crores
7 days to 14 days	5.75	5.75	5.75
15 days to 29 days	5.75	5.75	5.75
30 days to 45 days	6.25	6.25	6.25
46 days to 60 days	6.50	6.25	6.50
61 days to 90 days	6.75	6.25	6.75
91 days to 120 days	7.00	6.25	7.00
121 days to 150 days	7.00	6.25	7.00
151 days to 184 days	7.00	6.25	7.00
185 days to 210 days	7.25	6.25	7.25
211 days to 240 days	7.25	6.25	7.25
241 days to 270 days	7.25	6.25	7.25
271 days to 300 days	7.25	6.25	7.25
301 days to 330 days	7.25	6.25	7.25
331 days to < 1 year	7.25	6.25	7.25
1 year to 389 days	7.40	6.50	7.40
390 days to < 15months	7.25	6.50	7.25
15 months to < 18 months	7.25	6.50	7.25
18 months to 2 years	7.25	6.50	7.25
2 years 1 day to 3 years	7.25	6.50	7.25
3 years 1 day to 5 years	7.25	6.50	7.25
5 years 1 day upto 10 years	7.25	6.50	7.25

ICICI Bank Interest Rates on Domestic, NRO & NRE Deposits - 2019

Tenure Period	Rs.24.90 cr to < Rs. 25.00 cr	Rs. 25 cr to < Rs. 100 cr	Rs. 100 cr to < Rs. 250 cr	Rs. 250 cr to < Rs. 500 cr	> = Rs. 500 cr
7 days to 14 days	5.75	5.75	5.75	5.75	5.75
15 days to 29 days	5.75	5.75	5.75	5.75	5.75
30 days to 45 days	6.25	6.25	6.25	6.25	6.25
46 days to 60 days	6.25	6.50	6.50	6.50	6.50
61 days to 90 days	6.25	6.75	6.75	6.75	6.75
91 days to 120 days	6.25	7.00	7.00	7.00	7.00
121 days to 150 days	6.25	7.00	7.00	7.00	7.00
151 days to 184 days	6.25	7.00	7.00	7.00	7.00
185 days to 210 days	6.25	7.25	7.25	7.25	7.25
211 days to 240 days	6.25	7.25	7.25	7.25	7.25
241 days to 270 days	6.25	7.25	7.25	7.25	7.25
271 days to 300 days	6.25	7.25	7.25	7.25	7.25
301 days to 330 days	6.25	7.25	7.25	7.25	7.25
331 days to < 1 year	6.25	7.25	7.25	7.25	7.25
1 year to 389 days	6.50	7.40	7.40	7.40	7.40
390 days to < 15 months	6.50	7.25	7.25	7.25	7.25
15 months to < 18 months	6.50	7.25	7.25	7.25	7.25
18 months to 2 years	6.50	7.25	7.25	7.25	7.25
2 years 1 day to 3 years	6.50	7.25	7.25	7.25	7.25
3 years 1 day to 5 years	6.50	7.25	7.25	7.25	7.25
5 years 1 day up to 10 years	6.50	7.25	7.25	7.25	7.25

Fixed Deposits without Premature Withdrawal Facility

ICICI Bank Interest Rates on Domestic, NRO and NRE Deposits - 2019

Tenure Period	Rs. 1 cr to < 2 cr
91 days to 120 days	6.75
121 days to 184 days	6.75
185 days to 289 days	7.00
290 days to less than 1 year	7.25
1 Year to 389 days	7.40
390 days up to 2 Years	7.40

ICICI Bank Interest rates on Domestic, NRO and NRE Deposits - 2019

Tenure Period	Rs. 2 crores to < Rs. 5 crores	Rs. 5 crores to < Rs. 5.10 crore	Rs. 5.10 crores to < Rs. 24.90 crores	Rs. 24.90 crores to < Rs. 25 crores
7 days to 14 days	5.75	5.75	5.75	5.75
15 days to 29 days	5.75	5.75	5.75	5.75
30 days to 45 days	6.25	6.25	6.25	6.25
46 days to 60 days	6.50	6.50	6.50	6.50
61 days to 90 days	6.75	6.75	6.75	6.75
91 days to 120 days	7.05	7.05	7.05	7.05
121 days to 150 days	7.05	7.05	7.05	7.05
151 days to 184 days	7.05	7.05	7.05	7.05
185 days to 210 days	7.30	7.30	7.30	7.30
211 days to 240 days	7.30	7.30	7.30	7.30
241 days to 270 days	7.30	7.30	7.30	7.30
271 days to 300 days	7.30	7.30	7.30	7.30
301 days to 330 days	7.30	7.30	7.30	7.30
331 days to < 1 year	7.30	7.30	7.30	7.30
1 year to 389 days	7.60	7.60	7.60	7.60
390 days to < 15 months	7.30	7.30	7.30	7.30
15 months to < 18 months	7.30	7.30	7.30	7.30
18 months to 2 years	7.30	7.30	7.30	7.30
2 years 1 day to 3 years	7.30	7.30	7.30	7.30
3 years 1 day to 5 years	7.30	7.30	7.30	7.30
5 years 1 day upto 10 years	7.30	7.30	7.30	7.30

ICICI Bank Interest rates on Domestic, NRO and NRE deposits - 2019

Tenure Period	Rs. 25 cr to < Rs. 100 cr	Rs. 100 cr to < Rs. 250 cr	Rs. 250 cr to < Rs. 500 cr	> = Rs. 500 cr
7 days to 14 days	5.75	5.75	5.75	5.75
15 days to 29 days	5.75	5.75	5.75	5.75
30 days to 45 days	6.25	6.25	6.25	6.25
46 days to 60 days	6.50	6.50	6.50	6.50
61 days to 90 days	6.75	6.75	6.75	6.75
91 days to 120 days	7.05	7.05	7.05	7.05
121 days to 150 days	7.05	7.05	7.05	7.05
151 days to 184 days	7.05	7.05	7.05	7.05
185 days to 210 days	7.30	7.30	7.30	7.30
211 days to 240 days	7.30	7.30	7.30	7.30
241 days to 270 days	7.30	7.30	7.30	7.30
271 days to 300 days	7.30	7.30	7.30	7.30
301 days to 330 days	7.30	7.30	7.30	7.30
331 days to < 1 year	7.30	7.30	7.30	7.30
1 year to 389 days	7.60	7.60	7.60	7.60
390 days to < 15 months	7.30	7.30	7.30	7.30
15 months to < 18 months	7.30	7.30	7.30	7.30
18 months to 2 years	7.30	7.30	7.30	7.30
2 years 1 day to 3 years	7.30	7.30	7.30	7.30
3 years 1 day to 5 years	7.30	7.30	7.30	7.30
5 years 1 day upto 10 years	7.30	7.30	7.30	7.30

Source: ICICI Bank’s official website

Features of ICICI Bank FD Account

Following are the features of ICICI Bank’s FD Account

Overdraft facility is available for up to 90% of FD amount.
Premature withdrawals can be made, subject to applicable charges.
Minimum deposit to open an FD account is Rs. 10,000 for general customers and Rs. 2,000 for FDs for minors.
Maturity period ranges from 7 days to 10 years.
Account can be opened through a number of channels like Internet or Phone Banking or by visiting an ICICI Bank branch.

Eligibility Criteria for ICICI Bank FDs

Documentation required to open Fixed Deposit Accounts are as follows-

Identity proof

Passport
PAN card
Voter ID card
Photo ration card
Senior citizen ID card
Driving licence
Government ID card

Address proof

Passport
Telephone bill
Certificate/ ID card issued by Post office
Electricity bill
Bank Statement with Cheque

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FAQs on ICICI Bank Fixed Deposit

What is the interest rate that ICICI Bank offers on senior citizens FDs?

Senior citizens can earn an additional interest of 0.50% over the existing rates.

Can I make alterations to the tenure of my ongoing ICICI Bank Fixed Deposit?

An individual cannot change the tenure of an already active fixed deposit account. However, he or she can close the existing fixed deposit account and open a new one with tenure of his

How to open an ICICI Bank Fixed Deposit account without a PAN card?

In case PAN is not available, an individual will have to make a declaration in Form 60.

What is the highest interest rate offered on ICICI Bank Fixed Deposit?

For Domestic, NRO & NRE deposits that are less than Rs. 2 crores, the highest interest rate offered is 7.50%.

What are the FD tenure options with ICICI Bank Fixed Deposit?

The bank offers a range of tenure options to fixed deposit holders. The minimum period for which deposit needs to be made is 7 days, while the maximum is 10 years.

What is the minimum amount required to start an ICICI Bank Fixed Deposit account?

The minimum deposit required to open an FD account is Rs. 10,000 for general customers and Rs. 2,000 for FDs for minors.

What is the eligibility criteria to open an ICICI Bank Fixed Deposit account?

To open a fixed deposit account with ICICI Bank, an individual will have to submit an ID and address proof. The documents that are accepted are as follows:

Identity proof: Passport, PAN Card, Voter ID Card, Photo Ration Card, Senior Citizen ID Card, Driving Licence or Government ID card.
Address proof: Passport, Telephone bill, Certificate/ ID Card issued by Post office, Electricity Bill or Bank Statement with Cheque.

Can I open my ICICI Bank Fixed Deposit without a PAN card?

While it is possible to open a fixed deposit account without a PAN card, there are certain implications to it. The TDS applicable will be recovered at 20% (as against 10% with PAN card). There will be no TDS credit from the Income Tax department, and no TDS certificate shall be issued (As per CBDT circular no: 03/11). Additionally, penal TDS will apply and Form 15G/H and other exemption certificates become invalid. It must be noted that no deposit for a sum equal to or more than Rs. 50,000 shall be booked if the PAN is not provided.