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ICICI Bank FD and RD interest rates for November 2026: Latest rates and highest returns for general and senior citizens
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4 min read | Updated on November 03, 2026, 07:29 IST
SUMMARY
Check ICICI Bank FD and RD interest rates for November 2026 for general and senior citizens. Know the latest rates, tenure-wise returns and highest interest offered.
ICICI Bank FD and RD interest rates for November 2026: Check the latest fixed deposit and recurring deposit interest rates for general and senior citizens. | Image: Shutterstock.
ICICI Bank offers fixed deposit (FD) and recurring deposit (RD) options for customers looking to earn predictable returns on their savings. The interest rates vary depending on the deposit tenure and customer category, with senior citizens eligible for higher interest rates on domestic deposits.
For November 2026, ICICI bank website lists FD interest rates of up to 6.60% for general customers and 7.20% for senior citizens under eligible tenures. The RD rates go up to 6.60% and 7.20%, respectively.
Investors should compare rates across deposit tenures before choosing an FD or RD, particularly as the RBI has raised the repo rate in October 2026, with another increase being forecast by SBI Research for December.
ICICI Bank FD interest rates for November 2026
ICICI Bank offers different interest rates depending on the deposit tenure. Senior citizens receive an additional interest-rate benefit on eligible domestic fixed deposits.
According to the bank's website, the following rates are applicable to FDs with a premature withdrawal facility, effective October 31, 2026.
ICICI Bank FD interest rates for general and senior citizens
| Tenure | General Citizens | Senior Citizens |
|---|---|---|
| 7 to 45 days | 2.75% | 3.25% |
| 46 to 90 days | 4.00% | 4.50% |
| 91 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 | 6.55% | 7.05% |
| 3 years 1 day to 5 years | 6.60% | 7.20% |
| 5 years 1 day to 10 years | 6.60% | 7.10% |
| 5-year Tax Saver FD | 6.60% | 7.20% |
Which ICICI Bank FD offers the highest returns?
For general customers, the highest rate is 6.60% per annum, available on deposits with tenures of three years and one day to five years and five years and one day to 10 years. The five-year Tax Saver FD also offers 6.60%.
Senior citizens can earn the highest interest rate of 7.20% on eligible deposits in the three-year-and-one-day to five-year category and the five-year Tax Saver FD.
The actual returns will depend on the deposit amount, tenure, interest payout option and applicable tax deductions. Investors should also consider premature withdrawal conditions before locking in their savings for a longer period.
ICICI Bank RD interest rates for November 2026
ICICI Bank also offers recurring deposits (RDs), allowing customers to invest a fixed amount every month for a predetermined tenure.
Unlike FDs, where investors deposit a lump sum, RDs help customers build savings through regular monthly contributions.
The following RD interest rates are applicable from October 23, 2026.
ICICI Bank RD interest rates for general and senior citizens
| Maturity Period | General Citizens | Senior Citizens |
|---|---|---|
| Up to 6 months | 4.50% | 5.00% |
| Above 6 months up to 9 months | 5.50% | 6.00% |
| Above 9 months up to 15 months | 6.25% | 6.75% |
| Above 15 months up to 2 years | 6.30% | 6.80% |
| Above 2 years up to 3 years | 6.55% | 7.05% |
| Above 3 years up to 5 years | 6.60% | 7.20% |
| Above 5 years up to 10 years | 6.60% | 7.10% |
Which ICICI Bank RD offers the highest returns?\
Senior citizens can earn up to 7.20% per annum on RDs with tenures above three years and up to five years.
Customers opting for an RD should ensure that they can make the monthly instalments regularly. Missed instalments may attract penalties and affect the maturity amount.
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