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      Benefits of iWish Goal based savings (RD)
      Goal-based savings

      Goal-basedsavings

      No penalty on missing deposits

      No penalty on missing deposits

      Interest rate similar to RD/Fixed Deposit (FD)

      Interest rate similar to RD/Fixed Deposit (FD)

      Save any amount anytime

      Save any amount anytime

      How to Manage iWish Goal based savings

      Track your goals

      Fund your iWish as and when you can

      Change auto debit instruction

      View all transactions

      Comparison between regular FD, RD and iWish Goal based savings

      Goal based planning

      Minimum Deposit amount

      Next Deposit amount

      Next Deposit date

      No penalty for missed deposits

      No. of deposits allowed in a month

      Duration

      Rate of interest

      Fixed Deposit

      Fixed Deposit

      One time fixed investment

      No
      ₹10,000
      Not allowed
      Not Applicable
      Not Applicable
      Not Applicable
      7 days to 10 years
      2.50%-5.50%

      Regular Recurring Deposit

      Regular Recurring Deposit

      A Regular but a compulsory investment of small amounts

      No
      ₹500
      Multiples of 100
      Fixed date every month
      Penalty charged
      Once a month
      6 months to 10 years
      3.50%-5.50%

      iWish Goal based savings

      iWish Goal based savings

      Regular investment with flexibility to save large or small amounts as per fund availability

      Yes
      ₹50
      Any amount
      Any time
      No penalty
      Any number of times
      6 months to 5 years
      3.5%-5.35%
      [{"imageRef":"/content/dam/icicibank/india/managed-assets/images/blog/small/benefits-nre-bank-account-fixed deposit.jpg","imageAltText":"FD","ctas":[],"type":"FD","title":"Fixed Deposit","compareLabel":"Add to Compare ","description":"<p>One time fixed investment</p>\r\n","averageBalance":null,"variant":null,"joiningFee":"No ","annualFee":"₹10,000","annualFeeWaiver":"Not allowed","bookMyShowoffer":"Not Applicable","fuelOffer":"Not Applicable","culinaryTreats":"Not Applicable","airportLoungeAccess":"7 days to 10 years","railwayLoungeAccess":"2.50%-5.50%","rewardPoints":null,"applyLink":null,"benefits":[],"userTypes":[],"income":null,"id":"fixed-deposit"},{"imageRef":"/content/dam/icicibank/india/managed-assets/images/blog/small/best-flexible-recurring-eposit.jpg","imageAltText":"RD","ctas":[],"type":"FD","title":"Regular Recurring Deposit","compareLabel":"Add to Compare ","description":"<p>A Regular but a compulsory investment of small amounts</p>\r\n","averageBalance":null,"variant":null,"joiningFee":"No ","annualFee":"₹500","annualFeeWaiver":"Multiples of 100","bookMyShowoffer":"Fixed date every month","fuelOffer":"Penalty charged","culinaryTreats":"Once a month","airportLoungeAccess":"6 months to 10 years","railwayLoungeAccess":"3.50%-5.50%","rewardPoints":null,"applyLink":null,"benefits":[],"userTypes":[],"income":null,"id":"regular-recurring-deposit"},{"imageRef":"/content/dam/icicibank/india/managed-assets/images/blog/small/iwish-flexible-recurring-deposit-advantages.jpg","imageAltText":"iWish","ctas":[],"type":"FD","title":"iWish Goal based savings","compareLabel":"Add to Compare ","description":"<p>Regular investment with flexibility to save large or small amounts as per fund availability</p>\r\n","averageBalance":null,"variant":null,"joiningFee":"Yes","annualFee":"₹50","annualFeeWaiver":"Any amount","bookMyShowoffer":"Any time","fuelOffer":"No penalty","culinaryTreats":"Any number of times","airportLoungeAccess":"6 months to 5 years","railwayLoungeAccess":"3.5%-5.35%","rewardPoints":null,"applyLink":null,"benefits":[],"userTypes":[],"income":null,"id":"iwish-goal-based-savings"}]

      For a particular tenure, interest rate is same in all three products

       

      iWish Goal based savings Calculator Start saving now

       

       

      Frequently Asked Questions (FAQs) for iWish
      Expand All | Collapse All

      iWish Goal Based Savings is a unique deposit which allows you to create goals to save for specific wishes. These goals are flexible Recurring Deposits with the added benefit of contributing any amount, at any point of time. You earn better interest rates on your Recurring Deposit just like a Fixed Deposit. For the rate of interest, click here.

      iWish is a unique flexible Recurring Deposit which allows you to create goals to save for specific wishes.

      You get added benefit of contributing any amount, at any point of time. You earn better interest rates on your Recurring Deposit just like a Fixed Deposit. To know the existing iWish interest rates, click here.

      You can add money in your iWish Account through iMobile app and Internet Banking:

      iMobile app:

      • Log in to iMobile app
      • Select iWish Goal Based Savings in Accounts & Deposits
      • Select the iWish Account you wish to fund
      • Click on Fund Now to transfer funds immediately or click on Set Standing Instruction to set up and fund regularly.

       

      Internet Banking:

      • Log in to Internet Banking
      • Select Exclusive Offerings tab
      • Open your iWish dashboard
      • Click on Fund Now for the iWish you want to fund.

       

      You can also enable auto debit to set up Standing Instruction for the iWish of your choice.

      To know the existing iWish interest rates, click here.

      To open iWish, click here.

      You can withdraw money mid way (premature) from iWish by closing your goal.

      However in that case, you will earn interest at the rate corresponding to the period the goal is held with the bank and the applicable penalty will be charged for premature closure of goal. If an iWish Account is prematurely closed, then the interest on it will be earned for the period it is held with the bank minus the premature closure charges of 0.5% if original tenure is less than 1 year and 1% for more than 1 year.

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