Question 1

What are the highest interest rates for ICICI Bank in 2026?

Accepted Answer

As of September 2026, ICICI Bank offers up to 6.50% p.a. on Fixed Deposits and up to 2.50% p.a. on Savings Accounts based on the balance slabs maintained.

Question 2

Is ICICI Bank safe for depositing money?

Accepted Answer

Yes, ICICI Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.

Question 3

What is the minimum tenure and senior citizen benefit for ICICI Bank FDs?

Accepted Answer

The minimum tenure for a fixed deposit with ICICI Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.60% p.a. over general citizen rates.

Question 4

Are returns on ICICI Bank FDs and Savings Accounts taxable?

Accepted Answer

Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.

Maturity	USD
12 to <24 months	3.75%BEST
24 to <36 months	3.50%
36 to <48 months	3.25%
48 to <60 months	3.25%
60 months	3.25%

TENURE	Interest Rate
1 year to <18 months	6.25%
18 months to 2 years	6.30%
2 to 3 years	6.45%
3 to 5 years	6.50%BEST
5 to 10 years	6.50%

ICICI Bank

Bank Overview

Financial Health Indicators(FY 2026)

Fixed Deposit (FD) Interest Rates

Savings Account Interest Rates

Foreign Currency Non-Resident (FCNR-B) Deposit Rates

NRI Fixed Deposit Rates (NRE & NRO)

Frequently Asked Questions

ICICI Bank FD Calculator