In the year 2025, ICICI Bank made changes to its Fixed Deposit (FD) interest rates pattern with the new highest rate of 7.35% for the elderly and 6.60% for non-senior customers. ICICI FDs, with their long tenure options and various interest payment plans, are considered a safe and also a very profitable source of investment for such people as normal and retired savers.
ICICI Bank FD: What’s New in 2025?
ICICI Bank has brought down FD rates, effective from May 26, 2025, by as much as 20 basis points (bps) for deposits less than 3 crores through the reduction of rates for some selected tenures. Besides, the bank won’t stop giving competitive returns at the same time, that’s particularly for longer maturities and certain customers i.e. i.e. the elderly who will be receiving the revision that mirrors wider market trends and RBI’s stance on monetary policy along with the input costs.
Latest FD Interest Rates – November 2025
The following is a convenient glance at ICICI Bank’s altered FD rates:
| Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|
| 7 days to 1 year | 2.75%–6.00% | 3.25%–6.50% |
| 1 year to < 2 years | 6.40% | 6.90% |
| 2 years 1 day to 10 years | 6.60% | 7.10% |
| 5-year Tax Saver FD | 6.60% | 7.10% |
What Senior Citizens Can Earn
An added 0.50% interest is given to the elderly at all maturity levels. To illustrate:
- The 3-year FD at 6.60% for the regular customer gets transformed into 7.10% for the old one.
- Older customers can also earn 7.35% on some of the tenures which makes ICICI one of the best banks for saving for retirement.
The additional interest makes fixed deposits a dependable source of income for the retirees and this is especially true if the interest is paid out every month or quarterly.
Best Tenures to Invest Now
The following periods can be invested in to get the highest returns:
- 2 to 3 years: Highest interest rates with a moderate lock-in period.
- 5-year Tax Saver FD: Long-term savings with tax benefits under Section 80C.
- Senior Citizens: They should go for tenures of more than 2 years to get the whole 7.10% rate.
Short-term FDs (7 days to 1 year) yield lower returns and are best suited for liquidity needs.
How to Open an FD with ICICI
The options available for opening FD are:
- ICICI Net Banking
- iMobile Pay App
- Nearest ICICI Branch
Choose the option of cumulative (interest is reinvested) or non-cumulative (monthly/quarterly payouts) types. Besides, you can set auto-renewal and propose a beneficiary at the time of booking.
Final Thoughts
In 2025, ICICI Bank’s modified FD rates continue to provide big returns and security, particularly for older people. Saving rates up to 7.35%, together with flexible terms and an online option, ICICI FDs are still the prime choice for the risk-averse. Now is an excellent time to secure good rates whether you are saving for retirement, a future expense, or just want steady growth.