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ICICI Home Finance – FD Rates

ICRA: AAA/StableCARE: AAA/StableCRISIL: AAA/Stable

This institution last updated its deposit rates on 01-Sep-25.

DICGC Insurance: NIL
FD Rank: #28 of 59 banks
TENUREGeneralSenior
12 Months to < 24 Months
6.75%
7.10%
24 Months to < 36 Months
6.85%
7.20%
36 Months to < 48 Months
6.90%
7.25%
39 Months
7.05%
7.40%
45 Months
7.10%Best
7.45%Best
48 Months to < 60 Months
7.00%
7.35%
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Current
I

ICICI Home

7.10%45 months
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P

Punjab & Sind

6.85%666 days
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D

DCB

7.50%24 - 25 months
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Top SFB Rate
U

Utkarsh

8.10%666 days
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D

Deutsche

7.00%1 - 1.5 years
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P

Post Office

7.50%5 years
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About ICICI Home Finance

Bank Overview

Type
NBFC
Headquarters
Mumbai
Founded
1999
Branches
–
DICGC Coverage
Not Covered

Credit Ratings

CRISILAAA/Stable
CAREAAA/Stable
ICRAAAA/Stable
India RatingsUnrated

Frequently Asked Questions

Quick answers to the most common questions about ICICI Home Finance Fixed Deposits.

As of July 2026, ICICI Home Finance offers a highest interest rate of 7.10% p.a. for general citizens and 7.45% p.a. for senior citizens on fixed deposits.

ICICI Home Finance is a Non-Banking Financial Company (NBFC). NBFC deposits are generally rated by credit agencies but are NOT covered by DICGC insurance. Always check the credit rating before investing.

The minimum tenure for a fixed deposit with ICICI Home Finance starts from 45 Months. Longer tenures may offer higher interest rates.

Yes, ICICI Home Finance offers an additional benefit of up to 0.35% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, ICICI Home Finance currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.