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As per CRISIL, AAA indicates very strong chances of timely interest and principal repayment by the HFC. As per ICRA, AAA indicates highest-credit-quality and carries lowest credit risk for the depositors. As per CARE, AAA indicates highest degree of safety regarding timely servicing of financial obligations and carries lowest credit risk.
| ICICI Home Finance FD Interest Rates (p.a.) Highlights | |
| Highest slab rate | 7.10% (for 45 months) |
| For 1 year | 6.75% |
| For 2 years | 6.85% |
| For 3 years | 6.90% |
| For 4 years | 7.00% |
| For 5 years | 7.00% |
The interest rates are as of 12 January 2026
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
Credit Rating of ICICI Home Finance
| Credit Rating Agency | Rating | Outlook |
| CRISIL | AAA | Stable |
| ICRA | AAA | Stable |
| CARE | AAA | Stable |
ICICI Home Finance FD
Fixed Deposit Interest Rates on Deposits of less than Rs 3 crore w.e.f. 1 September 2025
|
Tenure
|
Interest Rates (% p.a.) | |||
| Cumulative | Non-Cumulative | |||
| Monthly Income Plan | Quarterly Income Plan | Yearly Income Plan | ||
| 12 months to less than 24 months | 6.75 | 6.50 | 6.55 | 6.75 |
| 24 months to less than 36 months | 6.85 | 6.60 | 6.65 | 6.85 |
| 36 months to less than 48 months | 6.90 | 6.65 | 6.70 | 6.90 |
| 48 months to less than 60 months | 7.00 | 6.75 | 6.80 | 7.00 |
Note: Senior citizen and ICICI Group employees are offered 0.25% interest rates on regular fixed deposit rates
Special FD Scheme Rates for Public Deposits of less than Rs 3 crore w.e.f. 1 September 2025
|
Tenure
|
Interest Rates (% p.a.) | |||
| Cumulative | Non-Cumulative | |||
| Monthly Income Plan | Quarterly Income Plan | Yearly Income Plan | ||
| 39 | 7.05 | 6.80 | 6.85 | 7.05 |
| 45 | 7.10 | 6.85 | 6.90 | 7.10 |
Note: Senior citizens and ICICI Group employees are offered 0.25% interest rates on regular fixed deposit rates
Features of Fixed Deposit
- In cumulative deposits, interest is accumulated with the deposit amount and is paid upon maturity or premature withdrawal. The interest is compounded annually on March 31st, every year
- In the case of a non-cumulative scheme, interest will be paid on a monthly, quarterly or annual basis
- Auto closure/auto-renew facility is available
- Minimum deposit amount:
- Annual/Cumulative Income Plan – Rs 10,000
- Quarterly Income Plan – Rs 20,000
- Monthly Income Plan – Rs 40,000
- Number of depositors allowed for a single deposit:
- Minimum: 1
- Maximum: 3
- Tenure
- Resident Indian: 1 year to 5 years
- Non-Resident Indian: 1 year to 3 years
Loan Against Deposits
- Depositor can avail loan against 75% of the deposit amount, as per the discretion of HFC
- Depositor availing the loan need to pay a 2% higher interest rate than the applicable interest rate on FD
- The facility can be availed after 3 months from the date of the deposit
- NRIs and minors cannot avail of this facility
Premature Withdrawal of Fixed Deposits
- Fixed deposits cannot be prematurely withdrawn in the first 3 months of deposit.
- Premature withdrawal of deposit is allowed in case of death of the depositor
- On premature withdrawal between 3 to 6 months, maximum interest payable will be the minimum savings bank interest rate offered by ICICI Bank (not exceeding 4% p.a.) for individual depositors and “no interest” will be paid in case of any other category of depositors
- In case deposits are withdrawn between 6 to 12 months, the interest rates earned by the depositor would be 2% lower than the minimum rate at the time of FD opening
- Deposits withdrawn after 12 months but before the date of maturity will attract 1% lower interest rate than the interest rate the HFC would have paid had the deposit been opened for the period for which the deposit remained with the bank.