ICICI Bank FD Calculator – Calculate Interest, Returns & Eligibility for 2025
Planning to invest in a fixed deposit? Use the ICICI Bank FD Calculator to easily estimate your fixed deposit interest, returns, and eligibility for 2025. ICICI Bank offers competitive FD interest rates, flexible tenures, and secure investment options for risk-free savings. Whether you're looking for short-term deposits or long-term best investment plans, an FD can be a great choice. Learn how to calculate FD maturity amount, check eligibility, and compare the latest FD interest rates to maximize your savings.
Fixed Deposits (FDs) remain one of the safest and most preferred investment options for people looking for stable returns. Along with saving in an FD, it’s equally important to secure your future with the right health insurance and term insurance plans. ICICI Bank offers competitive FD interest rates, making it a great choice for risk-averse investors. The ICICI Bank FD Calculator is a useful tool that helps you estimate the maturity amount, interest earned, and returns based on different tenures and deposit amounts.
Why Choose ICICI Bank Fixed Deposit?
ICICI Bank is one of India’s leading private sector banks, offering attractive FD interest rates and flexible investment options. Here’s why ICICI Bank FDs are a good choice:
- Competitive Interest Rates – Higher returns compared to savings accounts.
- Flexible Tenure Options – Choose tenures ranging from 7 days to 10 years.
- Secure & Reliable – ICICI Bank is a trusted financial institution with strong creditworthiness.
- Loan Against FD – Get a loan up to 90% of your FD amount without breaking it.
- Tax-Saving FD – Save taxes under Section 80C by investing in a 5-year fixed deposit.
Along with your savings, having the best term insurance plan ensures that your family’s financial future is protected.
ICICI Bank FD Interest Rates 2025
The FD interest rates offered by ICICI Bank vary based on the tenure and customer category (regular customers or senior citizens). Below is an overview of the latest ICICI Bank FD interest rates for 2025:
| Tenure | General Citizen | Senior Citizens |
| 7 to 29 Days | 3.00% | 3.50% |
| 30 to 45 Days | 3.50% | 4.00% |
| 46 to 60 Days | 4.25% | 4.75% |
| 61 to 90 Days | 4.50% | 5.00% |
| 91 to 184 Days | 4.75% | 5.25% |
| 185 to 270 Days | 5.75% | 6.25% |
| 271 Days to < 1 Year | 6.00% | 6.50% |
| 1 Year to < 15 Months | 6.70% | 7.20% |
| 15 Months to < 18 Months | 7.25% | 7.85% |
| 5Y (Tax Saver FD | 7.00% | 7.50% |
Senior citizens looking for stable savings along with good medical coverage should also think about getting the best health insurance policy or health insurance for senior citizens for added protection.
ICICI Bank FD Calculator – How to Calculate Interest & Returns?
The ICICI Bank FD Calculator is very easy to use. It helps you know exactly how much you will earn from your fixed deposit.
Steps to Use the FD Calculator:
- Enter Investment Amount – Put the deposit amount.
- Select Tenure – Choose the time you want to invest for.
- Choose Customer Type – Select if you are a regular customer or a senior citizen.
- Get Maturity Amount – See your total returns instantly.
Knowing your savings and returns is important, but having financial security with a good term plan and a top up health insurance plan can further strengthen your safety net.
How to Use the ICICI Bank FD Calculator?
The ICICI Bank FD Calculator simplifies the process of estimating your FD returns. Follow these steps to use the calculator effectively:
- Enter the Principal Amount – Input the amount you wish to deposit.
- Select the Tenure – Choose the period for which you want to keep your money invested.
- Choose the Interest Rate – The applicable interest rate is automatically considered based on tenure.
- Select Compounding Frequency – Choose if the interest is compounded monthly, quarterly, half-yearly, or annually.
- Calculate Maturity Amount – Click on 'Calculate' to get an estimate of the maturity amount and interest earned.
Eligibility Criteria for ICICI Bank FD
To open an FD with ICICI Bank, you need to fulfill the following eligibility criteria:
- Individuals: Indian residents, including minors (joint account with a guardian).
- Senior Citizens: Special interest rates are available for individuals aged 60 and above.
- Non-Resident Indians (NRIs): NRIs can invest through NRO and NRE fixed deposits.
- Businesses & Trusts: Companies, partnership firms, trusts, and associations can also open fixed deposits.
Advantages of ICICI Bank Fixed Deposits
1. Guaranteed Returns
ICICI Bank FDs offer assured returns, making them a safe investment option compared to market-linked instruments like stocks or mutual funds. Your principal amount remains secure while earning fixed interest over time.
2. Flexible Tenure Options
You can choose an FD tenure ranging from 7 days to 10 years, depending on your financial goals. Short-term and long-term investment options provide flexibility to match your savings strategy.
3. Higher Interest Rates for Senior Citizens
ICICI Bank offers an extra 0.50% interest rate for senior citizens, ensuring higher returns and a reliable income source for retirement planning.
4. Loan Against FD
In case of financial emergencies, you don’t have to break your FD. ICICI Bank allows you to take a loan up to 90% of the FD amount, ensuring liquidity without losing interest earnings.
5. Tax-Saving Benefits
The 5-year tax-saving FD allows investors to claim tax deductions up to ₹1.5 lakh under Section 80C of the Income Tax Act, making it a great option for tax planning.
FAQs on ICICI Bank Fixed Deposits
The minimum deposit amount for an ICICI Bank Fixed Deposit is ₹10,000.
Yes, premature withdrawal is allowed, but a penalty may be applicable based on the tenure and amount.
Interest on ICICI Bank FDs is calculated using the compound interest formula:
A = P(1 + r/n)^(nt), where:
A = Maturity Amount
P = Principal Amount
r = Annual Interest Rate
n = Number of Compounding Periods
t = Investment Tenure in Years
Yes, ICICI Bank FDs are considered safe as they are regulated by the RBI and insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor.
You can open an FD online through the ICICI Bank net banking portal, iMobile Pay app, or by visiting the nearest branch.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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