Bank FD Comparison Tool
ICICI Bank vs Cosmos Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between ICICI Bank (Private Sector) and Cosmos Bank (Private Sector).
ICICI
Private Sector
VS
Cosmos Bank
Private Sector
ICICI: Min ₹5,000
Cosmos Bank: Min ₹1,000
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹5,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -ICICI: % |Cosmos Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
ICICI
Cosmos Bank
Highlighted = Your selected tenure
Feature Comparison
Features | ICICI Private Sector | Cosmos Bank Private Sector |
|---|---|---|
Minimum FD Amount | ₹5,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
ICICI Bank
Private Sector Bank
Key Advantages:
Strong digital platform
Wide product range
Instant loan approvals
Excellent mobile app
Global presence
Cosmos Bank
Private Sector Bank
Key Advantages:
Co-operative bank
Competitive interest rates
Digital banking services
Online FD booking facility
Senior citizen rates vary by tenure
Special scheme: 13 Months, 16 months
Rates effective from 01.12.2025
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between ICICI (₹5L) + Cosmos Bank (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose ICICI If:
- •Minimum amount: ₹5,000
- •Private Sector banking preference
- •Strong digital platform
- •Wide product range
- •Instant loan approvals
Choose Cosmos Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Co-operative bank
- •Competitive interest rates
- •Digital banking services
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
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