Interest Rates

NRO
FD/Recurring
NRO
Savings
NRE
FD/Recurring
NRE
Savings
FCNR
FDs
RFC
FDs
RFC
Savings

Maturity Period	Interest rates (percent per annum) with effect from August 16, 2013
Maturity Period	Less than INR 10.0 million (For deposits with quarterly payouts and cumulative deposits)	INR 10 million and above
7 days to 14 days	4.50	As advised by ICICI Bank from time to time
15 days to 29 days	4.75
30 days to 45 days	5.50
46 days to 60 days	7.00
61 days to 289 days	7.75
290 days to less than 1 year	7.75
1 year to 389 days	8.00
390 days upto 2 years	9.00
2 years 1 day upto 5 years	8.75
5 years 1 day upto 10 years	8.50
5 years (80C FD) - upto INR 1 lac	8.75

*Subject to revision without further notice

Note:

Rate for deposits of INR 10 million and above will be advised by ICICI Bank from time to time
NRO Recurring Deposits can be accepted for a minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.
Additional 0.5% rate of interest payable on fixed deposits for senior citizens does not apply to NRE and NRO fixed deposits
Please note that the minimum tenure for NRO term deposits is 7 days and no interest is payable for deposits prematurely withdrawn within the period of 7 days
In case of NRO fixed deposits with monthly payouts , the interest will be paid at a discounted rate

Penalty for pre-mature withdrawal (all categories):

Original Tenure of Deposit	Penal rates (in %)
Original Tenure of Deposit	Less than INR 50 million	INR 50 million & above
Less than 1 year	0.50	0.50
1 year & above but less than 5 years	1.00	1.00
5 years and above	1.00	1.50

W.e.f. April 1, 2010, interest for all rupee savings accounts will be calculated on the daily closing balances maintained in the account. W.e.f. May 3, 2011, the interest will be calculated @ 4.0% per annum instead of 3.5% per annum. Interest so calculated is rounded off to the nearest rupee, ignoring fractions of a rupee. Interest is paid half-yearly in September and March.

Interest rates (percent per annum) with effect from August 28, 2013
Maturity Period	Less than INR 10.0 million (For deposits with quarterly payouts and cumulative deposits)	Yield till end of slab ^*
1 year to 389 days	8.00	8.24
390 days upto 2 years	9.00	9.74
2 years 1 day to less than 3 years	8.75	9.88
3 years upto 5 years	9.50	11.98
5 years 1 day upto 10 years	9.25	14.95

*Percentage Per Annum after quarterly compounding. Nearest completed year considered for end of slab.
In case of premature withdrawals:
Before completion of 1 year: No interest will be payable

After completion of 1 year: On pre-mature withdrawal of the Deposit, interest will be calculated at the rate applicable for the period the Deposit has actually remained with ICICI Bank plus applicable penalty as below:

Original Tenure of Deposit	Penal rates (in %)
Original Tenure of Deposit	Less than INR 50 million	INR 50 million & above
1 year & above but less than 5 years	1.00	1.00
5 years and above	1.00	1.50

NRE fixed deposits can be accepted for a minimum period of one year and a maximum period of ten years.

NRE Recurring Deposits can be accepted for a minimum tenure of 12 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years.

The additional rate of interest of 0.5% p.a. payable on fixed deposits to senior citizens does not apply to NRE and NRO Fixed Deposits.

For deposit rates of Rs 10.0 million and above, please contact your nearest branch or call our customer care numbers

In case of NRE fixed deposits with monthly payouts , the interest will be paid at a discounted rate

Interest rates (percent per annum) w.e.f. September 1, 2013 (For deposits with half yearly payouts and cumulative deposits)
Currency	USD		GBP		EURO		JPY		CAD		AUD
Currency	RATE	APY	RATE	YIELD	RATE	YIELD	RATE	YIELD	RATE	YIELD	RATE	YIELD
>= 12 months < 24 months	2.67	2.67	2.87	2.87	2.48	2.48	2.41	2.41	3.37	3.37	4.51	4.51
>= 24 months < 36 months	2.57	2.62	2.84	2.90	2.64	2.69	2.27	2.31	3.56	3.65	4.76	4.93
>= 36 months < 48 months	4.95	5.27	5.13	5.47	4.87	5.17	4.31	4.55	5.83	6.27	7.07	7.73
>= 48 months < 60 months	5.38	5.92	5.45	6.00	5.13	5.61	4.36	4.71	6.11	6.80	7.39	8.42
60 months	5.77	6.58	5.73	6.53	5.36	6.06	4.45	4.92	6.34	7.33	7.63	9.08

In case of premature withdrawals:

Before completion of 1 year: No interest will be payable
After completion of 1 year : No penalty will be levied in case of premature closure of FCNR deposits booked/renewed on or after June 1, 2013. Interest shall be paid at the applicable rate for the period the deposit remained with the Bank.

Disclaimer: Interest rates for FCNR and RFC deposits are subject to change on the 1st of every month and as per the guidelines issued by the Reserve Bank of India from time to time. Deposit requests received on the 1st day of the month will be opened with the applicable rate.

Interest rates (percent per annum) w.e.f. September 1, 2013
Currency	USD	GBP	EURO	JPY
Overnight and upto 30 days	****	****	****	****
30 days to less than 6 months	0.85	3.61	1.80	0.04
6 months to less than 1 year	2.39	2.59	2.27	2.22
>= 12 months < 24 months	2.67	2.87	2.48	2.41
>= 24 months < 36 months	2.57	2.84	2.64	2.27
36 months	4.95	5.13	4.87	4.31

****Subject to arrangement on case to case basis Note: On premature withdrawal, the interest will be paid at 1% below the applicable rate for the period the deposit has remained with the Bank.

Interest rates (percent per annum) w.e.f. January 01, 2010
Currency	USD	GBP
Savings Bank account	0.90	2.75

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