ICICI Bank has come up with the new rates of interest on Fixed Deposit (FD) for the year 2025 which are comparatively better than the existing rates for different periods. Besides the general public rates of 2.75% to 6.60% and those of 7.10% for the elderly, ICICI Bank is still a trustworthy option for conservative and certain investors. For people who are thinking of short-term saving or building long-term wealth, there is always an FD plan that caters to your requirements.
Latest FD Interest Rates in 2025
ICICI Bank in October 2025 is offering:
- 6.60% per annum for general customers on tenures of 2 years 1 day to 10 years
- 7.10% per annum for senior citizens for same tenure
- 6.40% for 18 months to 2 years
- 6.60% on 5-year Tax Saver FD, with effective yield of 6.98%
These interest rates are for deposits below ₹2 crore and can change based on RBI’s policy and market conditions.
Best Tenures to Invest in
The following periods are recommended for catching the best returns:
- 2 to 3 years: Gives the best interest rate for regular investors
- 5-year Tax Saver FD: Good for long-term saving with tax benefits under Section 80C
- Senior citizens: Should choose periods exceeding 2 years to get the 0.50% more interest
Short-term FDs (7 days to 1 year) have lower returns of 2.75% to 5.75%, thus, they are more of a liquidity option than a growth one.
Senior Citizen Advantage
Every FD tenure has an additional 0.50% interest for senior citizens from ICICI Bank. For instance, a senior citizen investing ₹5 lakh for 3 years will receive ₹1.06 lakh in interest, while a regular customer only ₹96,000. This makes the FDs of ICICI Bank a sensible option for the retired people looking for a risk-free income.
Final Thoughts
ICICI Bank’s FD options for 2025 are still a strong sell especially for investors with a medium to long-term horizon. The combination of good rates, tax-saving options, and benefits for senior citizens makes it a reliable way to increase your savings. Prior to making an investment, check tenures and rates against each other, and take advantage of the online FD calculator of ICICI for return-planning.