ICICI Bank FD Interest Rate 2026

Updated on: 2 Jan 2026

By booking an FD with the latest ICICI Bank fixed deposit rates, you can earn lucrative returns. Based on the chosen tenure and FD type, these rates change, and you can decide on the best terms to meet your goals. Some key features of booking a deposit with this issuer:

You can get interest rates of up to 7.25% p.a.
Senior citizens can earn up to 7.80% p.a.
You can book a deposit starting at ₹10,000
You can choose a tenure of up to 10 years

Read on to learn the current ICICI Bank FD interest rates, eligibility criteria, documents and more.

Interest Rates for FD Deposits Less Than ₹3 crores

Here are the ICICI Bank fixed deposit rates for various tenures:

Tenure	Regular Citizen FD Interest Rates	Senior Citizen FD Interest Rates
7 days to 29 days	3.00% per annum	3.50% per annum
30 days to 45 days	3.50% per annum	4.00% per annum
46 days to 60 days	4.25% per annum	4.75% per annum
61 days to 90 days	4.50% per annum	5.00% per annum
91 days to 184 days	4.75% per annum	5.25% per annum
185 days to 270 days	5.75% per annum	6.25% per annum
271 days to less than 1 year	6.00% per annum	6.50% per annum
1 year to less than 15 months	6.70% per annum	7.20% per annum
15 months to less than 18 months	7.25% per annum	7.80% per annum
18 months to 2 years	7.25% per annum	7.75% per annum
More than 2 years to 5 years	7.00% per annum	7.50% per annum
More than 5 years to 10 years	6.90% per annum	7.40% per annum
5 Years (80C FD) (Max ₹1.50 lakhs)	7.00% per annum	7.50% per annum

Disclaimer: These are the most recent ICICI Bank FD rates as of August 2024 and may be revised by ICICI Bank.

Also Read: ICICI Balance Enquiry Number

Make sure you check the bank’s website or app before you open an FD to get the latest rates. Furthermore, for deposit amounts exceeding ₹3 crores, the rates will differ, and you check them on the website. The ICICI FD rates over ₹3 crores also depend on whether you have the option for premature withdrawal.

Furthermore, these rates also vary depending on the tenure. If you are a senior citizen, then the ICICI FD rates will be higher. So, use an ICICI Bank FD calculator to compute your earnings before booking a deposit that best aligns with your needs and goals.

Who can Open an ICICI Bank FD?

The following can open an ICICI Bank FD:

Indian residents over the age of 18
Minors under the custody of a guardian
Member of Hindu Undivided Families
Sole proprietorship and partnership firms
Limited companies
Trusts
Non-resident Indians

Also Read: ICICI Bank Statement

Documents Required to Open an ICICI Bank FD

You can open an FD with the following documents:

Identity Proof

Aadhaar card
Passport
PAN
Driver’s licence
Voter ID

Address Proof

Utility bill
Passport
Certificate or ID issued by post office
Bank statement with cheque

Know that with ICICI Bank, you also have the option of premature withdrawal, giving you immediate access to funds if you need it. However, this feature comes with a penalty. Instead, you can get the Fibe Instant Cash Loan and keep your FD intact.

You can get up to ₹5 lakhs at competitive rates and flexible tenures. Register on the Fibe Personal Loan App or website to enjoy a fast, simple and 100% digital application process. Once you have funds available, you can even close the loan early without any penalty.

FAQs on ICICI Bank FD Interest Rates

What is the interest rate of FDs in ICICI Bank?

Here is an overview of the latest ICICI Bank fixed deposit rates:

Starts from 3.00% and goes up to 7.25% per annum for regular investors
Senior investors can enjoy rates starting from 3.50% p.a. to up to 7.80% p.a.

What is the current FD rate of ICICI Bank?

The current ICICI Bank FD rates range from 3% to 7.80% per annum. However, they depend on:

Deposit amount
Investment tenure
Your age

Is ICICI Bank safe for fixed deposits?

Yes, you can trust ICICI Bank and open an account to earn secure and guaranteed returns since this FD has a credit rating of ‘AAA.’

Can I break an ICICI FD anytime?

Yes, you can liquidate your deposit before maturity by paying a penalty. However, this depends on the type of FD you choose. In the case of a non-callable fixed deposit, you can’t make a withdrawal before maturity.