ICICI Bank Recurring Deposit
ICICI Bank's RD offers 6-month to 10-year tenures with a rate fixed at opening, quarterly interest calculation and an explicit missed-instalment penalty.
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
Recorded source review date, not a claim that the product changed that day.
Target recheck: October 9, 2026.
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.
Recurring 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.
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.
| Tenure | General | Eligible senior |
|---|---|---|
| 6 months | 4.50% | 5.00% |
| 9 months | 5.50% | 6.00% |
| 1 year | 6.25% | 6.75% |
| 18 months | 6.30% | 6.80% |
| 2 years | 6.30% | 6.80% |
| 3 years | 6.45% | 6.95% |
| 4 years | 6.50% | 7.10% |
| 5 years | 6.50% | 7.10% |
Rate basis: ICICI recurring-deposit tenure table effective 29 December 2025. · Effective/reference date: December 29, 2025
Dated deposit-rate snapshots.
Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.
ICICI recurring-deposit tenure table effective 29 December 2025.
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.
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.
ICICI customers who want a fixed monthly commitment and value knowing the contracted rate will not change during the RD tenure.
- A fixed RD rate protects the booked deposit but new RD rates may change later.
- Missed instalments reduce expected maturity and can attract penalties.
- TDS can apply when aggregate deposit interest crosses the statutory threshold.
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.
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.
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.