ICICI Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card date not stated by the bank. Deposits below ₹3 crore.
ICICI Bank pays its best rate among these terms on 5 years: 6.50%, or 7.10% for senior citizens. That ranks 13th of 33 banks we track for 5 years. On a 2-year deposit it pays less than SBI (6.40%).
ICICI Bank FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 1 year to 389 days | 6.25% | 6.75% | ₹5,31,990 | 22nd of 33 |
| 2 years Slab: 18 months to 2 years | 6.30% | 6.80% | ₹5,66,584 | 22nd of 33 |
| 3 years Slab: 2 years 1 day to 3 years | 6.45% | 6.95% | ₹6,05,809 | 17th of 33 |
| 5 years Slab: 3 years 1 day to 5 years | 6.50% | 7.10% | ₹6,90,210 | 13th of 33 |
| Tax saver, 5 years 80C, old regime only | 6.50% | 7.10% | ₹6,90,210 | Compare |
Interest compounds every quarter and is paid at maturity, before tax. Source: ICICI Bank deposit rates. Each rate is the slab that contains that exact term.
How ICICI Bank compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.00 percentage points more. On ₹5 lakh that is ₹5,257 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.45 percentage points more. On ₹5 lakh that is ₹16,380 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 1.55 percentage points more. On ₹5 lakh that is ₹28,312 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.27 percentage points more. On ₹5 lakh that is ₹44,432 extra.
Similar banks: IDBI Bank (6.25% for 2 years), Karnataka Bank (6.40% for 2 years), HDFC Bank (6.45% for 2 years), Axis Bank (6.50% for 2 years).
Amounts at ICICI Bank
- ₹1 lakh for 5 years at 6.50% becomes ₹1,38,042.
- ₹10 lakh for 5 years at 6.50% becomes ₹13,80,420.
Questions people ask
What is the ICICI Bank FD rate for 1 year?
ICICI Bank pays 6.25% a year on a 1-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹5,31,990. The slab is "1 year to 389 days".
What is the ICICI Bank FD rate for 2 years?
ICICI Bank pays 6.30% a year on a 2-year deposit below ₹3 crore (6.80% for senior citizens). ₹5 lakh grows to ₹5,66,584. The slab is "18 months to 2 years".
What is the ICICI Bank FD rate for 3 years?
ICICI Bank pays 6.45% a year on a 3-year deposit below ₹3 crore (6.95% for senior citizens). ₹5 lakh grows to ₹6,05,809. The slab is "2 years 1 day to 3 years".
What is the ICICI Bank FD rate for 5 years?
ICICI Bank pays 6.50% a year on a 5-year deposit below ₹3 crore (7.10% for senior citizens). ₹5 lakh grows to ₹6,90,210. The slab is "3 years 1 day to 5 years".
What is the ICICI Bank tax-saver FD rate?
6.50% for 5 years (7.10% for senior citizens). It qualifies for 80C in the old tax regime and cannot be broken before 5 years.
Is money in a ICICI Bank FD safe?
ICICI Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate