ICICI Home Finance Bank FD Interest Rates 2026

ICICI Home Finance Bank FD interest rates range from 6.85% to 7.30% per annum for general depositors and can go up to 7.65% for senior citizens. These rates depend on the tenure selected for the deposit, which ranges from 12 to 60 months. Senior citizens receive an additional 0.35% interest over standard rates.

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Senior Citizen FD Rates 2025
Guaranteed Return
Guaranteed Returns
Includes Life Cover
Includes Life Cover
Completely Tax Free+
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
6.9%* (Tax-Free)

Guaranteed Plan

(By Insurance companies)
4.6%* (After Tax)

Fixed Deposit

(Offered by Banks)
4.0%*

Savings Account

(Post Office)
Get Guaranteed returns up to 6.9%*

Fully Tax-Free, Life Cover Included

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What is an ICICI Home Finance Bank FD?

An ICICI Home Finance Bank Fixed Deposit (FD) enables an individual to invest a lump sum amount for a specified tenure at the offered interest rates. The minimum deposit allowed starts from ₹10,000. Depositors can get some of the best FD interest rates according to the deposit schemes they choose. There are cumulative and non-cumulative plans, with interest being compounded annually or paid out periodically, depending on the scheme selected.

Key Features of ICICI Home Finance Bank FD

Whether you're considering short- or long-term savings, these features highlight what ICICI Home Finance FDs offer.

  • Low Entry Barrier:With cumulative deposits of ₹10,000 and above, quarterly plans at ₹20,000, and monthly income schemes at ₹40,000, ICICI HFC FDs offer easy access to the average investor.
  • High Safety Ratings: ICICI Home Finance has enjoyed strong backing from credit rating agencies, being rated MA by ICRA, FA by CRISIL, and AAA by CARE. It lends credibility and trust for those seeking secure options beyond a savings account.
  • Premature Withdrawal Flexibility: Investors can withdraw their FD after 3 months. Between 3–6 months, interest may be minimal or nil. After 6 months, payouts are made at rates 1–2% lower than standard rates, depending on the deposit duration.
  • Loan Against FD: You can get a loan up to 75% of your fixed deposit amount without closing it prematurely. The interest on the loan is 2% above your FD rate. 
  • Easy Withdrawal: While it's best to let your FD grow, the ICICI Home Finance bank offers convenient withdrawal options in case of urgent financial needs. Choose a flexible tenure between 1 and 5 years and enjoy wealth growth through compounding.

ICICI Home Finance Bank FD Interest Rates

FD Calculator

Total Investment

₹500 ₹30L
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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