ICICI Home Finance Fixed Deposit Calculator
Fixed Deposit Features & Benefits
High Returns
Grow your wealth by taking advantage of compounding with attractive interest rates that are among the best in the industry and are independent of market influences. Get regular interest payments on monthly, quarterly, annual or compounded basis and achieve your financial goals- be it stress-free money management on a day-to-day basis or building a retirement fund. We also offer 0.35% higher rate of interest for senior citizens.
Safe Deposit
ICICI HFC FDs have been rated as AAA/ Stable (highest degree of safety) by country’s leading credit rating agencies viz. CRISIL, ICRA and CARE.
Easy Withdrawal
It is always better to avoid breaking your FD so your money can keep growing. But, if you wish to fulfill any of your urgent or immediate financial needs or need to make a major purchase, worry not. We provide easy and convenient withdrawals options for your FD investments. Choose a term of anywhere between 1 to 5 years depending on your financial needs and keep growing your wealth through compounding.
Quick & Convenient
It is simple to open an ICICI HFC Fixed Deposit with our easy online process. If you want any guidance on the process, walk into any of our 215+ ICICI HFC branches and meet our friendly experts who will answer all your questions.
Small and Regular Payments
You can start investing with as little as ₹ 10,000/ ₹ 20,000/ ₹ 40,000 and can choose to make deposits on a annual, quarterly and monthly plan respectively. FDs are a convenient way to make saving a habit in a safe and secured manner, while earning high returns by way of compounding.
Loan Against Deposit
In case you need a lumpsum payout, you can get a loan against your FD of up to 75% of the amount deposited and pay interest of 2% higher than the interest on your deposit.
FD Interest Rate for General and Senior Citizens
| Tenure (In Months) |
Effective September 1, 2025 | ||||
| Cumulative | Non-Cumulative | ||||
| Cumulative Plan | **Indicative Yield(Cumulative option) |
Monthly Income Plan |
Quarterly Income Plan |
Yearly Income Plan |
|
| 39 | 7.05% | 7.63% | 6.80% | 6.85% | 7.05% |
| 45 | 7.10% | 7.82% | 6.85% | 6.90% | 7.10% |
| ** In case of cumulative deposit, interest is compounded before deduction of Tax | |||||
| Tenure (In Months) |
Effective September 1, 2025 | ||||
| Cumulative | Non-Cumulative | ||||
| Cumulative Plan | **Indicative Yield(Cumulative option) |
Monthly Income Plan |
Quarterly Income Plan |
Yearly Income Plan |
|
| >=12 to < 24 | 6.75% | 6.75% | 6.50% | 6.55% | 6.75% |
| >=24 to < 36 | 6.85% | 7.08% | 6.60% | 6.65% | 6.85% |
| >=36 to < 48 | 6.90% | 7.39% | 6.65% | 6.70% | 6.90% |
| >=48 to <=60 | 7.00% | 7.77% | 6.75% | 6.80% | 7.00% |
| ** In case of cumulative deposit, interest is compounded before deduction of Tax | |||||
| Tenure (In Months) |
Effective September 1, 2025 | ||||
| Cumulative | Non-Cumulative | ||||
| Cumulative Plan | **Indicative Yield(Cumulative option) | Monthly Income Plan | Quarterly Income Plan | Yearly Income Plan | |
| 39 | 7.40% | 8.28% | 7.15% | 7.20% | 7.40% |
| 45 | 7.45% | 8.50% | 7.20% | 7.25% | 7.45% |
| ** In case of cumulative deposit, interest is compounded before deduction of Tax | |||||
| Tenure (In Months) |
Effective September 1, 2025 | ||||
| Cumulative | Non-Cumulative | ||||
| Cumulative Plan | **Indicative Yield(Cumulative option) | Monthly Income Plan | Quarterly Income Plan | Yearly Income Plan | |
| >=12 to < 24 | 7.10% | 7.29% | 6.85% | 6.90% | 7.10% |
| >=24 to < 36 | 7.20% | 7.67% | 6.95% | 7.00% | 7.20% |
| >=36 to < 48 | 7.25% | 8.02% | 7.00% | 7.05% | 7.25% |
| >=48 to <=60 | 7.35% | 8.46% | 7.10% | 7.15% | 7.35% |
| **The yield mentioned is calculated using the first month of each tenure grid & in case of cumulative deposit, interest is compounded before deduction of tax. | |||||
| For deposits >= ₹30.0 million, rates would be offered by ICICI Home Finance on a case to case basis. | |||||
Fixed Deposits Eligibility & Criteria
- A resident Indian citizen
- Non-Resident Indian & Person of Indian Origin
- Hindu Undivided Family (HUF)
- Public or Private Firm , Company & Foundation
- Entities like Association of Persons, Societies or Trusts
- Annual / Cumulative Income Plan : ₹10,000
- Quarterly Income Plan : ₹20,000
- Monthly Income Plan : ₹ 40,000
- Minimum: 1
- Maximum: 3
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ICICI Direct app
The public fixed deposit schemes of ICICI HFC are governed by regulations issued by the National Housing Bank (NHB), which is the regulatory authority for Housing Finance Companies (HFCs). The applicable regulations include:
- The National Housing Bank Act, 1987
- Master Direction – Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021
Additionally, these schemes are subject to guidelines, circulars and notifications issued by the NHB and the Reserve Bank of India (RBI) from time to time.
You can Click Here to invest online in ICICI Home Finance FD if you have a ICICIdirect 3-in-1 account or visit any of our branches.
Steps to invest:
- Step 1: Click Here to login & select ICICI Home Finance Fd
- Step 2: Enter Investment details & payment
Under the new tax regime, which is the default tax regime for resident individuals, you are liable for TDS unless you submit the appropriate form:
- Form 15G: If you are under 60 years of age and your total income is ≤ ₹4,00,000 (applicable to individuals, Hindu Undivided Families (HUFs) and trusts).
- Form 15H: If you are a senior citizen (60 years and above) with a total income of ≤ ₹12,00,000.
To avoid TDS deductions, ensure you submit a valid form before the start of interest payments—whether monthly, quarterly, or annually—for each financial year.
Depending on the frequency of deposit you choose; minimum deposit amount will be:
- Annual / Cumulative Income Plan - ₹ 10,000
- Quarterly Income Plan - ₹ 20,000
- Monthly Income Plan - ₹ 40,000
Fixed Deposits, Floating Rate Savings Bond, Government Securities and Sovereign Gold Bonds are regulated by Reserve Bank of India.
ICICI Securities is just acting as distributor and all disputes with respect to such distribution activity, would not have access to SCORES/ODR, Exchange investor redressal forum or Arbitration mechanism.
*Please note Brokerage would not exceed the SEBI prescribed limit.