ICICI Bank की नवीनतम ब्याज दरें - September 2026

ICICI Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Official real-time deposit interest rates and retail lending schemes from ICICI Bank (ICICI):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate is 2.50% p.a. across all account balance tiers.
• Domestic Term Deposits (FD): General 1-Year FD interest rate stands at 6.25% p.a. (Senior citizens receive an additional +0.50% at 6.75% p.a.). Peak deposit yields reach 6.50% p.a. (7.10% p.a. for senior citizens) on tenures between 3 years 1 day and 5 years.
• Home Loans (Housing Finance): Floating interest rates start from 7.55% p.a. linked to ICICI Bank's External Benchmark Lending Rate (I-EBLR at 8.15%), with repayment tenures up to 30 years and zero prepayment penalties.
• Vehicle & Personal Loans: Auto financing rates start from 8.40% p.a. for tenures up to 84 months (7 years). Unsecured personal loans start from 9.99% p.a. onwards on a reducing balance basis.
• Credit Cards: Standard retail revolving finance charge is 3.50% per month (42.00% annualized; select cards at 45.00% APR) with an interest-free grace period ranging between 18 and 48 days.

💡 Financial Recommendation: Maintaining a CIBIL credit score of 750 or higher qualifies borrowers for ICICI Bank's lowest risk-spread tier over I-EBLR and unlocks digital processing fee waivers on instant pre-approved retail facilities.