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ICICI BankFixed deposit

ICICI Bank Fixed Deposit

ICICI Bank's retail fixed-deposit proposition with a first-party rate table effective 18 June 2026, tenure-based senior-citizen premiums and callable/premature-withdrawal treatment.

First-party evidencePublished researchReviewed September 9, 2026Active
Current rate evidenceThe reviewed retail table effective 18 June 2026 reaches 6.50% p.a. for general customers and 7.10% p.a. for senior citizens in the applicable below-₹3-crore tenure bands.
Tenure / deposit bandRetail tables distinguish deposits below ₹3 crore and higher deposit bands; tenure and deposit amount determine the applicable rate.
Liquidity / premature withdrawalPremature withdrawal pays interest for the actual period subject to current rules; domestic/NRO deposits withdrawn within 7 days and NRE deposits withdrawn within 1 year have no interest under reviewed conditions.
Rate / booking conditionThe rate locked at booking depends on deposit amount, tenure and customer category; higher-value deposits use separate tables.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

1 first-party source
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: October 9, 2026.

Critical decision facts

Rate, tenure, liquidity and booking conditions belong together.

A headline deposit rate is incomplete without the dated schedule, tenure band, customer category and premature-withdrawal rules.

01 · Current rate evidenceThe reviewed retail table effective 18 June 2026 reaches 6.50% p.a. for general customers and 7.10% p.a. for senior citizens in the applicable below-₹3-crore tenure bands.
02 · Tenure / deposit bandRetail tables distinguish deposits below ₹3 crore and higher deposit bands; tenure and deposit amount determine the applicable rate.
03 · Liquidity / premature withdrawalPremature withdrawal pays interest for the actual period subject to current rules; domestic/NRO deposits withdrawn within 7 days and NRE deposits withdrawn within 1 year have no interest under reviewed conditions.
04 · Rate / booking conditionThe rate locked at booking depends on deposit amount, tenure and customer category; higher-value deposits use separate tables.
Exact product-type evidence

Fixed deposit evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Comparable tenure points

Rate anchors you can compare without reading a headline maximum.

Only tenure points directly represented by the reviewed bank schedule are stored. We do not interpolate a rate between published bands.

Research matrix: Tenure; General; Eligible senior
TenureGeneralEligible senior
3 years6.45%6.95%
4 years6.50%7.10%
6 years6.50%7.00%

Rate basis: ICICI callable retail FD schedule below ₹3 crore effective 18 June 2026. · Effective/reference date: June 18, 2026

Rate history

Dated deposit-rate snapshots.

Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.

Observed September 9, 2026
Retail <₹3Cr effective 18 Jun 2026: reviewed peak 6.50% general and 7.10% senior in applicable tenure bands.

ICICI callable retail FD schedule below ₹3 crore effective 18 June 2026.

Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Current rate evidenceThe reviewed retail table effective 18 June 2026 reaches 6.50% p.a. for general customers and 7.10% p.a. for senior citizens in the applicable below-₹3-crore tenure bands.
Tenure / deposit bandRetail tables distinguish deposits below ₹3 crore and higher deposit bands; tenure and deposit amount determine the applicable rate.
Payout / deposit featuresCallable fixed deposits can be closed early under current rules, and the bank publishes effective-yield information alongside nominal rates.
Liquidity / premature withdrawalPremature withdrawal pays interest for the actual period subject to current rules; domestic/NRO deposits withdrawn within 7 days and NRE deposits withdrawn within 1 year have no interest under reviewed conditions.
EligibilityEligible customers under ICICI Bank's current fixed-deposit and KYC rules; senior-citizen and NRI treatment differs.
Rate / booking conditionThe rate locked at booking depends on deposit amount, tenure and customer category; higher-value deposits use separate tables.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Savers who want a large private-bank FD and prefer comparing current effective yields and tenure-specific rates immediately before booking.

Verify before relying
  • Rate tables can change with little notice; use the effective-date page at the time of booking.
  • Senior-citizen rates and NRI rules are not interchangeable.
  • Effective yield and nominal annual interest rate are different measures.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Can secure Coral FD card

ICICI Bank Coral Credit Card

ICICI Bank explicitly offers Coral Credit Card as one of two card variants available against an eligible ICICI Bank fixed deposit.

The current FD-card route requires at least ₹50,000, minimum 180-day tenure and auto-renewal; a maximum of one secured card is allowed and the FD is lien-marked while linked.Verify relationship at bank ↗
Can secure Instant Platinum card

ICICI Bank Platinum Chip Credit Card

ICICI Bank currently lists the Instant Platinum Credit Card as one of the card variants available against an eligible ICICI fixed deposit.

The current secured-card route requires an eligible FD of at least ₹50,000, minimum 180-day tenure and auto-renewal; the secured issuance terms override any unsecured eligibility assumptions on the general card profile.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.