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ICICI Bank Interest Rates & Calculators

Complete guide to ICICI Bank interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.

Best FD Rate
7.1% p.a.
Home Loan
From 8.75%
ICICI Bank 1838 Reserve Credit Card
Times Black ICICI Bank Credit Card
ICICI Emeralde Private Metal Credit Card
Emirates Skywards ICICI Bank Emeralde Credit Card
ICICI Emeralde Credit Card

ICICI Bank FD Rates Overview

ICICI Bank currently offers fixed deposit interest rates of up to 6.5% p.a. for the general public, and 7.1% for senior citizens. The full slab-wise ICICI Bank rate table is below — use the FD and RD calculators to compute your exact maturity amount.

Calculators & Simulators

ICICI Bank Planning & Calculators

Verified rates & instant amortization schedules for deposits, loans, and cards.

Latest ICICI Bank Interest Rates

Verified rate tables updated as banks revise deposit & loan terms.

Fixed Deposit Rates

FD Calculator

Latest interest rates for all tenures. Compare general and senior citizen slabs.

Type / TenureGeneral RateSenior Citizen Rate
7 to 45 Days
2.75%3.25%
46 to 90 Days
4%4.5%
91 to 184 Days
4.5%5%
185 to < 1 Year
5.5%6%
1 Year to < 18 Months
6.25%6.75%
18 Months to 2 Years
6.3%6.8%
2 Years 1 Day to 3 Years
6.45%6.95%
3 Years 1 Day to 5 YearsHighest Yield
6.5%7.1%
5 Years 1 Day to 10 Years
6.5%7%

Recurring Deposit Rates

RD Calculator

Latest interest rates for all tenures. Compare general and senior citizen slabs.

Type / TenureGeneral RateSenior Citizen Rate
Upto 6 months
4.5%5%
Above 6 months upto 9 months
5.5%6%
Above 9 months upto 15 months
6.25%6.75%
Above 15 months upto 2 years
6.3%6.8%
Above 2 years upto 3 years
6.45%6.95%
Above 3 years upto 5 yearsHighest Yield
6.5%7.1%
Above 5 years upto 10 years
6.5%7%

Loan Interest Rates

Verified loan interest rates and processing fees across retail borrowing categories.

Type / TenureMin RateMax RateProcessing Fee
8.75%10.05%The processing fee is 0.5% of the loan amount + applicable taxes
9.99%16.5%Up to 2% + taxes
Car LoanLowest Starting Rate
8%11.2%Up to Rs. 8,500 + GST
9%16%Up to 2% of the loan amount
Official Card Registry (2026)

ICICI Bank Credit Cards (22)

Select any card to explore full rewards, airport lounge access & application benefits.

ICICI Bank 1838 Reserve Credit Card

ICICI Bank 1838 Reserve Credit Card

super-premium₹1,75,000/yr3 Pts / ₹100
View Card Details
Times Black ICICI Bank Credit Card

Times Black ICICI Bank Credit Card

super-premium₹20,000/yr2 Pts / ₹100
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ICICI Emeralde Private Metal Credit Card

ICICI Emeralde Private Metal Credit Card

super-premium₹12,499/yr3 Pts / ₹100
View Card Details
Emirates Skywards ICICI Bank Emeralde Credit Card

Emirates Skywards ICICI Bank Emeralde Credit Card

super-premium₹10,000/yr1 Pts / ₹100
View Card Details
ICICI Emeralde Credit Card

ICICI Emeralde Credit Card

premium₹12,000/yr4 Pts / ₹100
View Card Details
Adani One ICICI Bank Signature Credit Card

Adani One ICICI Bank Signature Credit Card

premium₹5,000/yr1 Pts / ₹100
View Card Details
Emirates Skywards ICICI Bank Sapphiro Credit Card

Emirates Skywards ICICI Bank Sapphiro Credit Card

premium₹5,000/yr1.5 Pts / ₹100
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ICICI Bank Sapphiro Credit Card

ICICI Bank Sapphiro Credit Card

premium₹3,500/yr2 Pts / ₹100
View Card Details
ICICI Rubyx Credit Card

ICICI Rubyx Credit Card

mid₹2,000/yr2 Pts / ₹100
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Emirates Skywards ICICI Bank Rubyx Credit Card

Emirates Skywards ICICI Bank Rubyx Credit Card

mid₹1,000/yr1 Pts / ₹100
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MakeMyTrip ICICI Bank Credit Card

MakeMyTrip ICICI Bank Credit Card

mid₹999/yr1 Pts / ₹100
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Adani One ICICI Bank Platinum Credit Card

Adani One ICICI Bank Platinum Credit Card

mid₹750/yr1 Pts / ₹100
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ICICI HPCL Super Saver Credit Card

ICICI HPCL Super Saver Credit Card

mid₹500/yr1% Cashback
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MakeMyTrip ICICI Bank Platinum Credit Card

MakeMyTrip ICICI Bank Platinum Credit Card

midLifetime Free1 Pts / ₹100
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ICICI Bank Parakram Select Credit Card

ICICI Bank Parakram Select Credit Card

midLifetime Free1 Pts / ₹100
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MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

midLifetime Free0.625 Pts / ₹100
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ICICI Bank Coral Credit Card

ICICI Bank Coral Credit Card

entry₹500/yr2 Pts / ₹100
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ICICI Expressions Credit Card

ICICI Expressions Credit Card

entry₹499/yr3 Pts / ₹100
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ICICI HPCL Coral Credit Card

ICICI HPCL Coral Credit Card

entry₹199/yr2% Cashback
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Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card

entryLifetime Free1% Cashback
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ICICI Platinum Chip Credit Card

ICICI Platinum Chip Credit Card

entryLifetime Free2 Pts / ₹100
View Card Details
ICICI Bank Parakram Credit Card

ICICI Bank Parakram Credit Card

entryLifetime Free1 Pts / ₹100
View Card Details

Why Choose ICICI Bank?

Key benefits and features of banking with ICICI Bank.

Competitive Rates

Up to 7.1% returns on deposits with attractive rates across short & long tenures.

Bank Security

RBI regulated financial institution with DICGC insurance up to ₹5 Lakhs.

Digital Banking

Instant online FD/RD booking, mobile banking apps, and quick digital loans.

Customer Service

Extensive branch & ATM network across India with dedicated support.

Key Features & Perks

Best FD Rate: 7.1% for Senior Citizens
General Rate: 6.5% for all citizens
Min FD Amount: ₹5K only
Min RD Amount: ₹500 monthly
Home Loan Rate: From 8.75%
Personal Loan: From 9.99%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹50,000 per annum (₹1,00,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
Strong digital platform
Wide product range
Instant loan approvals
Excellent mobile app
Global presence
FD rates (resident, < Rs. 3 crore) effective July 15, 2026
RD min 6 months, max 10 years; rates effective 29 December 2025
RD rate page: https://www.icici.bank.in/personal-banking/deposits/recurring-deposits/rd-interest-rates
Bank migrated official domain from icicibank.com to icici.bank.in (RBI .bank.in mandate, effective 28 Oct 2025)
Interest rates last updated: Oct 2026
Verify on ICICI Bank Official Website
Market Comparison

Compare Rates with Other Banks

Check latest fixed deposit interest rates across peer financial institutions before investing.

Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.