Industrial and Commercial Bank of China (India) Fixed Deposit interest rates · November 2026
What will my FD earn at ICBC India?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 14 days |
5.85% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
15 days to 30 days |
6.00% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
31 days to 45 days |
6.30% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
46 days to 60 days |
6.35% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
61 days to 90 days |
6.40% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
91 days to 120 days |
6.55% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
121 days to 150 days |
6.60% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
151 days to 180 days |
6.65% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
181 days to 270 days |
6.75% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
271 days to Above 5 years 4 slabs at this rate |
6.85% | – | Below ₹2 crore | 15 Feb 2024 ✓ verified 13 Nov 2026 | official fetched 1 Nov 2026 |
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ICBC India FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.85%- fixed deposits of corporates and individuals below ₹2 crore
Before you book
ICBC India Fixed Deposit: frequently asked questions
What is the highest ICBC India Fixed Deposit interest rate?
As of 14 Nov 2026, Industrial and Commercial Bank of China (India) offers up to 6.85% p.a. on its fixed deposit (FD) (271 days to 365 days) for general customers. Rates below are as published by the bank. Confirm with ICBC India before investing.
What is the ICBC India 1-year FD interest rate?
As of 14 Nov 2026, Industrial and Commercial Bank of China (India) offers 6.85% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 15 Feb 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ICBC India 2-year FD interest rate?
As of 14 Nov 2026, Industrial and Commercial Bank of China (India) offers 6.85% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 15 Feb 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ICBC India 3-year FD interest rate?
As of 14 Nov 2026, Industrial and Commercial Bank of China (India) offers 6.85% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 15 Feb 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ICBC India 5-year FD interest rate?
As of 14 Nov 2026, Industrial and Commercial Bank of China (India) offers 6.85% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 15 Feb 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at ICBC India?
Industrial and Commercial Bank of China (India) does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.
When did ICBC India last change its Fixed Deposit rates?
RateScan.in has recorded no change to Industrial and Commercial Bank of China (India)'s fixed deposit (FD) rates since it started tracking them on 1 Nov 2026.
What fixed deposit (FD) tenures does ICBC India offer?
Industrial and Commercial Bank of China (India)'s published fixed deposit (FD) rate table has 13 tenure bands, from “7 days to 14 days” to “Above 5 years”.
Does ICBC India pay more than the Post Office Time Deposit?
Industrial and Commercial Bank of China (India) pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.85% (PO 6.90%), 2y 6.85% (PO 7.00%), 3y 6.85% (PO 7.10%), 5y 6.85% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does ICBC India's 1-year FD rate rank?
Industrial and Commercial Bank of China (India)'s 1-year general FD rate of 6.85% ranks #441 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with ICBC India insured?
Deposits with Industrial and Commercial Bank of China (India) are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these ICBC India rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 15 Feb 2024. Rates can change without notice, so verify on the official ICBC India website before investing.
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Good to know
- Deposits with Industrial and Commercial Bank of China (India) are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- ICBC India is a foreign bank operating in India, regulated by the RBI.
Informational only. Always confirm the current rate on the official ICBC India website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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