ICICI Bank FD Calculator

ICICI Bank Fixed Deposits Explained

ICICI Bank offers retail term deposits from 7 days to 10 years, opened through iMobile Pay, internet banking or a branch. It began in 1994 as the banking arm of ICICI Ltd, a development finance institution set up in 1955, and in 1999 became the first Indian bank and the first non-Japanese Asian financial institution listed on the New York Stock Exchange — an early sign of the scale it has since reached in retail deposits.

ICICI Bank FD Schemes You Can Open

ICICI's retail deposit range separates by interest treatment and by how easily the money can be reached:

• •Cumulative deposit (reinvestment) — Interest compounds quarterly and is settled with the principal at maturity — the structure modelled above.
• •Traditional (non-cumulative) deposit — Interest is paid out monthly or quarterly rather than reinvested, for depositors funding expenses from the deposit.
• •Tax-saving deposit (5-year) — Qualifies under Section 80C within the ₹1,50,000 ceiling, locked for the full term.
• •Senior citizen variant — Carries the increment ICICI extends to resident depositors aged 60 and above.

ICICI Bank FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How to Check ICICI Bank FD Interest Rates

ICICI Bank FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

ICICI Bank publishes its domestic deposit card on icicibank.com and inside iMobile Pay, split by tenure bucket and deposit size with a separate senior citizen column.

Take the current ICICI Bank fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to an ICICI Bank FD

• •ICICI was the first Indian bank listed on the NYSE, in 1999, and grew out of a development finance institution rather than a retail branch network.
• •iMobile Pay handles the full deposit lifecycle including premature closure, with no branch visit needed.
• •A flexible sweep arrangement links the deposit to your savings account so only part breaks against a shortfall.
• •Senior citizens receive the standard increment across eligible tenures.
• •An overdraft against the deposit is available, typically up to 90% of its value.

Enter the rate ICICI Bank quotes for your chosen tenure above to see the exact maturity value and how the interest accumulates year by year.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.