ICICI Bank (ICICI) is a private sector bank, headquartered in Mumbai, established in 1994. Its headline 1-year FD rate of 6.25% is −0.23% below the private sector average of 6.48%, ranking #18 of 20 private banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 25 Sept 2026, verified from aggregated sources. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at ICICI (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 to 45 Days |
2.75% | 3.25% | Below ₹3 crore (retail) | |
46 to 90 Days |
4.00% | 4.50% | Below ₹3 crore (retail) | |
91 to 184 Days |
4.50% | 5.00% | Below ₹3 crore (retail) | |
185 to < 1 Year |
5.50% | 6.00% | Below ₹3 crore (retail) | |
1 Year to < 18 Months |
6.25% | 6.75% | Below ₹3 crore (retail) | |
18 Months to 2 Years |
6.30% | 6.80% | Below ₹3 crore (retail) | |
2 Years 1 Day to 3 Years |
6.45% | 6.95% | Below ₹3 crore (retail) | |
3 Years 1 Day to 5 Years |
6.50% | 7.10% | Below ₹3 crore (retail) | |
5 Years 1 Day to 10 Years |
6.50% | 7.00% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Year to < 18 Months |
6.25% | 6.75% | Any amount | |
18 Months to 2 Years |
6.30% | 6.80% | Any amount | |
2 Years 1 Day to 3 Years |
6.45% | 6.95% | Any amount | |
3 Years 1 Day to 5 Years |
6.50% | 7.10% | Any amount | |
5 Years 1 Day to 10 Years |
6.50% | 7.00% | Any amount |
Deposits with ICICI Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official ICICI 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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