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ICICI Bank FD Calculator allows prospective depositors calculate interest income and maturity value for different fixed deposit amounts and tenures. The online FD calculator considers the applicable ICICI Bank FD interest rates, tenure and principal amount to arrive at the interest amount and maturity value in the end.
ICICI Bank Fixed Deposit (FD) Calculator
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
How to Use Paisabazaar’s ICICI Bank FD Calculator
The procedure for using Paisabazaar’s ICICI Bank FD Calculator is as follows:
- Specify the fixed deposit amount, tenure and ICICI Bank FD interest rate
- Click on ‘Calculate’
- The FD calculator will instantly reflect the total maturity value, principal amount and interest amount earned on the FD.
ICICI Bank FD Rates
Domestic, NRE & NRO Deposits of less than Rs 3 Crore w.e.f. 6 February 2026
| Tenure | Interest Rates (p.a.) | |
| Regular Individuals | Senior Citizens | |
| 7 days to 45 days | 2.75% | 3.25% |
| 46 days to 90 days | 4.00% | 4.50% |
| 91 days to 184 days | 4.50% | 5.00% |
| 185 days to less than 1 year | 5.50% | 6.00% |
| 1 year to less than 18 months | 6.25% | 6.75% |
| 18 months to 2 years | 6.30% | 6.80% |
| 2 Years 1 Day to 3 Years | 6.45% | 6.95% |
| 3 Years 1 Day to 5 Years | 6.50% | 7.10% |
| 5 Years 1 Day to 10 Years | 6.50% | 7.00% |
Note:
- NRE rates are applicable for tenures of 1 year and above only.
- The additional senior citizen rates are applicable to domestic term deposits only.
ICICI Bank Tax Saver Deposit
| Tenure | Regular Individuals (% p.a.) | Senior Citizens (% p.a.) |
| 5 years Tax Saver FD | 6.50% | 7.00% |
Note: Interest rates as of 6 February 2026
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Suryoday Small Finance Bank | 7.90 | 7.25 | 7.25 | 7.90 | 0.20 |
| Jana Small Finance Bank | 7.77 | 7.00 | 7.50 | 7.77 | 0.50 |
| ESAF Small Finance Bank | 7.60 | 4.75 | 6.00 | 5.75 | 0.50 |
| Utkarsh Small Finance Bank | 7.50 | 6.00 | 7.50 | 7.00 | 0.50 |
| Ujjivan Small Finance Bank | 7.45 | 7.25 | 7.20 | 7.20 | 0.50 |
| Shivalik Small Finance Bank | 7.50 | 6.00 | 6.75 | 6.25 | 0.50 |
| Equitas Small Finance Bank | 7.20 | 6.90 | 7.00 | 7.00 | 0.50 |
| Bandhan Bank | 7.20 | 7.00 | 7.00 | 5.85 | 0.50-0.75 |
| DCB Bank | 7.15 | 6.90 | 7.00 | 7.00 | 0.25-0.50 |
| RBL Bank | 7.20 | 7.00 | 7.20 | 6.70 | 0.50 |
| Capital Small Finance Bank | 7.15 | 7.00 | 7.00 | 6.90 | 0.50 |
| SBM Bank | 7.30 | 7.00 | 7.10 | 7.00 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Central Bank of India | 6.50 | 6.20 | 6.00 | 6.00 | 0.50 |
| YES Bank | 7.00 | 6.65 | 7.00 | 6.75 | 0.50-0.75 |
| Induslnd Bank | 7.00 | 6.75 | 6.90 | 6.65 | 0.50 |
| Unity Small Finance Bank | 6.75 | 6.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.75 | 6.25 | 6.75 | 6.50 | 0.50 |
| Bank of India | 6.70 | 6.25 | 6.25 | 6.00 | 0.50 |
The total maturity value depends on the ICICI Bank FD rates, deposit tenure, FD amount and type of FD chosen, i.e. cumulative or non-cumulative FD.
Under non-cumulative FD, ICICI Bank offers both monthly and quarterly interest payout options under its traditional and tax saver plans. In the quarterly interest pay-out option, interest is credited on a quarterly basis on the current/saving account of the depositor. In the monthly pay-out option, interest is calculated quarterly and paid out to the depositor each month at a discounted rate. In the case of cumulative ICICI Bank FD option (also known as reinvestment option), the interest component remains invested till FD maturity.
ICICI Bank FD monthly payout option is ideal for depositors needing fixed monthly income to meet their expenses. The cumulative investment option would help the depositor benefit from the power of compounding, as the interest component of the fixed deposit remains invested and starts generating interest income on its own.
Advantages of Using ICICI Bank FD Calculator
Some of the benefits of using online ICICI Bank FD Calculator are as follows:
Free of Cost
The ICICI Bank FD calculator tool is free of cost, thus prospective depositors can use it a number of times to compare and analyse returns for different combinations of FD interest rates, principal amount and FD tenure.
Saves Time
Manually calculating the FD maturity value can be cumbersome and time taking which can increase the chances of human errors. ICICI Bank FD calculator uses an automated process to save time and provide accurate calculations.
Know Your Returns in Advance
ICICI Bank FD calculator provides reliably accurate estimates of the total earnings from the investment. Thus, prospective FD customers can use this calculator to make an informed decision based on their liquidity requirements and cash flows before opting for a fixed deposit.