Private bank · typically 60 years and above
ICICI Bank Senior Citizen rates
The highest senior citizen rate ICICI Bank publishes today is 7.10% for > 3 to 5 Years. All 10 published terms are below, exactly as the bank states them.
Effective from 22 Jul 2026 — the date ICICI Bank published these rates, not the date we read them.
Published terms
10
distinct rows on the bank’s own rate card
Rate range
3.25% – 7.10%
lowest to highest across all terms
Senior citizen premium
+50 to +60 bps
extra rate over the general card, by term
Bank type
Private
as classified by the RBI
Fixed deposit · 9 terms
Source: ICICI Bank interest-rate page| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 7 to 45 Days | 3.25% | 2.75% | +50 bps | ₹10,000+ | 22 Jul 2026 |
| 46 to 90 Days | 4.50% | 4.00% | +50 bps | ₹10,000+ | 22 Jul 2026 |
| 91 to 184 Days | 5.00% | 4.50% | +50 bps | ₹10,000+ | 22 Jul 2026 |
| 185 to < 1 Year | 6.00% | 5.50% | +50 bps | ₹10,000+ | 22 Jul 2026 |
| 1 Year to < 18 Months | 6.75% | 6.25% | +50 bps | ₹10,000+ | 22 Jul 2026 |
| 18 Months to 2 Years | 6.80% | 6.30% | +50 bps | ₹10,000+ | 22 Jul 2026 |
| > 2 to 3 Years | 6.95% | 6.45% | +50 bps | ₹10,000+ | 22 Jul 2026 |
| > 3 to 5 Years | 7.10% | 6.50% | +60 bps | ₹10,000+ | 22 Jul 2026 |
| > 5 to 10 Years | 7.00% | 6.50% | +50 bps | ₹10,000+ | 22 Jul 2026 |
Other fixed deposits at ICICI Bank
Same bank, different rules on breaking the deposit and on tax. Each carries its own rate card, its own effective date, and a link to the page it came from.
Non-callable fixed deposit
Source: ICICI Bank interest-rate page — the bank's general rate page, not a dedicated oneCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
Tax-saver fixed deposit
Source: ICICI Bank tax-saver fixed deposit pageQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 5 YearsICICI Tax Saver FD | 7.10% | 6.50% | +60 bps | ₹10,000 – ₹1.50 L | 22 Jul 2026 |
Opening a fixed deposit with ICICI Bank
ICICI Bank publishes 10 separate terms for senior citizens, starting from ₹10,000. The highest is 7.10% at > 3 to 5 Years.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 7 to 45 Days, and asking for a round number instead can put you in a lower bucket. The rate you get is the one printed against the term you actually book.
You can usually open a deposit inside iMobile Pay, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by ICICI Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.