ICICI Bank FD Rates 2025: How much will you earn on Rs 100 crore investment?
This article details ICICI Bank's Fixed Deposit (FD) interest rates for both general and senior citizens for deposits over Rs 100 crore. It tells us about the returns on Rs 100 crore deposit for 1-year tenure, highlighting the higher rates offered to those who opt the options of Without premature withdrawal.
New Delhi: Do the ultra wealthy invest in Fixed Deposit (FD)? Well, ICICI Bank is offering interest rates that may not be at par with equity returns, but it definitely gives stable and secure returns. ICICI Bank is offering the annual interest rate of 6% on fixed deposits over Rs 100 crore, which comes with the option of "premature withdrawal." An interest rate of 6.1 percent is offered by the bank on the same tenure with the condition of "no premature withdrawal."
ICICI Bank FD rates 2025
If a person invests Rs 100 crore in ICICI FD with a premature withdrawal option at an interest rate of 6 percent for a duration of 1 year, the maturity amount would be Rs 1,06,00,00,000 (Rs 106 crore), with total interest earned amounting to Rs 6,00,00,000 (Rs 6 crore). Alternatively, without opting for premature withdrawal, at an interest rate of 6.10 percent, the maturity amount would be Rs 106,100,000,000 (Rs 106.1 crore) with total interest earned of Rs 6,1000000 (Rs 6.1 crore).
ICICI Bank is offering the same interest rate to general and senior citizens. Interest rates vary on the basis of the option of premature withdrawal. FDs without the option of premature withdrawal will attract high interest rates. On deposits of Rs 100-250 crore, investors will attract the below-mentioned interest rate for different tenure periods.
For a tenure of 121 to 150 days, the interest rate is 5.6 percent with premature withdrawal and 5.7 percent without premature withdrawal.
For a tenure of 151 to 184 days, the interest rate is 5.6 percent with premature withdrawal and 5.7 percent without premature withdrawal.
For tenure of 185 to 270 days, the interest rate is 5.85 per cent with premature withdrawal and 5.95 per cent without premature withdrawal.
If you open for 271 days to 300 days and need to withdraw it early, you’ll get 6.0 percent interest. Without early withdrawal, you’ll get 6.1 percent interest.
If you deposit your money for 301 days up to just under 1 year and need to withdraw it early, you’ll also get 6.0 % percent interest. Without early withdrawal, you’ll get 6.1 percent interest.
| With Premature Withdrawal | With Premature Withdrawal | |
|---|---|---|
| Tenure | General Citizen | Senior Citizen |
| 7 to 14 Days | 3.75% | 3.75% |
| 15 to 29 Days | 3.75% | 3.75% |
| 30 to 45 Days | 4.50% | 4.50% |
| 46 to 60 Days | 4.75% | 4.75% |
| 61 to 90 Days | 5.00% | 5.00% |
| 91 to 120 Days | 5.60% | 5.60% |
| 121 to 150 Days | 5.60% | 5.60% |
| 151 to 184 Days | 5.60% | 5.60% |
| 185 to 210 Days | 5.85% | 5.85% |
| 211 to 240 Days | 5.85% | 5.85% |
| 241 to 270 Days | 5.85% | 5.85% |
| 271 Days to 300 Days | 6.00% | 6.00% |
| 301 Days to 330 Days | 6.00% | 6.00% |
| 331 Days to < 1 Year | 6.00% | 6.00% |
| 1 Year to 389 Days | 6.15% | 6.15% |
| 390 Days to < 15 Months | 6.15% | 6.15% |
| 15 Months to < 18 Months | 6.15% | 6.15% |
| 18 Months to 2 Years | 6.15% | 6.15% |
| 2 Years 1 Day to 3 Years | 6.25% | 6.25% |
| 3 Years 1 Day to 5 Years | 6.35% | 6.35% |
| 5 Years 1 Day to 7 Years | 6.35% | 6.35% |
| 7 Years 1 Day to 10 Years | 6.35% | 6.35% |
| Without Premature Withdrawal | Without Premature Withdrawal | |
|---|---|---|
| Tenure | General Citizen | Senior Citizen |
| 7 to 14 Days | 3.75% | 3.75% |
| 15 to 29 Days | 3.75% | 3.75% |
| 30 to 45 Days | 4.50% | 4.50% |
| 46 to 60 Days | 4.75% | 4.75% |
| 61 to 90 Days | 5.25% | 5.25% |
| 91 to 120 Days | 5.70% | 5.70% |
| 121 to 150 Days | 5.70% | 5.70% |
| 151 to 184 Days | 5.70% | 5.70% |
| 185 to 210 Days | 5.95% | 5.95% |
| 211 to 240 Days | 5.95% | 5.95% |
| 241 to 270 Days | 5.95% | 5.95% |
| 271 Days to 300 Days | 6.10% | 6.10% |
| 301 Days to 330 Days | 6.10% | 6.10% |
| 331 Days to < 1 Year | 6.10% | 6.10% |
| 1 Year to 389 Days | 6.25% | 6.25% |
| 390 Days to < 15 Months | 6.25% | 6.25% |
| 15 Months to < 18 Months | 6.25% | 6.25% |
| 18 Months to 2 Years | 6.25% | 6.25% |
| 2 Years 1 Day to 3 Years | 6.35% | 6.35% |
| 3 Years 1 Day to 5 Years | 6.45% | 6.45% |
| 5 Years 1 Day to 7 Years | 6.45% | 6.45% |
| 7 Years 1 Day to 10 Years | 6.45% | 6.45% |