Fixed Deposit

• Simple investment product which offers safety, liquidity, flexibility and assured returns.
• FD can be opened for minimum amount of ₹10,000.
• Choose from flexible tenure ranging from seven (7) days to ten (10) years
• Instant opening through both iMobile and internet banking.
• Overdraft (OD) against FD up to 90% on principal plus accrued interest
• Option of premature/partial withdrawal for urgent funds requirement

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Now get an exclusive additional interest rate of 0.10% on your Fixed Deposits above 5 years tenure

• Resident Senior citizen customers, will get an additional interest rate of 0.10% for limited time over and above existing additional rate of 0.50%
• Scheme applicable from 20th May, 2020
• The additional rate will be available on fresh deposits opened as well as deposits renewed during the scheme period.
• Eligible FD tenure: 5 years 1 day up to 10 years
• Applicable on single FD of amount < 2cr
• Premature withdrawal: In case deposit opened in above scheme is prematurely withdrawn/closed after, on or after 5 years 1 day, the applicable penal rate will be 1.10%. In case the deposit opened in above scheme is prematurely withdrawn/closed before 5 years 1 day, the prevailing premature withdrawal policy will be applicable.
• In case any Fixed Deposit opened or renewed under this scheme is prematurely withdrawn/closed before five years and one day, the prevailing premature withdrawal policy is applicable.
• All other features of term deposit as well as terms and conditions shall remain unchanged and are applicable for the above scheme also.

The Money Multiplier feature gives you the liquidity of a Savings Account coupled with high earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit linked to your Savings Account providing you the unique facilities.

Features:

• Minimum balance in the Savings/Current Account should be ₹15,000 to generate a linked FD request.
• The linked FDs will be under the same Customer ID and will be for a minimum tenure of 1 year for Savings Account customer.
• All FDs linked to the account will be enabled for automatic reverse sweep when the balance in the Savings Accounts falls below ₹10,000 for individual customers.
• FDs will be broken in Last-In, First-Out (LIFO) basis for reverse sweep.
• The Fixed Deposit will be opened in auto renewal mode. The deposit will be renewed for the same tenure as the original tenure.
• The interest rate on such Fixed Deposit will be the rate applicable for the respective period, prevailing as on the date of such auto renewal

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Unique product which offers dual benefits of assured returns and tax savings. Tax Saver Fixed Deposits offers tax deduction up to ₹1.5 lakh under Section 80C of Income Tax Act.

• Invest as small as ₹10,000
• Fixed tenure of five years
• Get tax deduction up to ₹1,50,000 under Section 80C*
• Flexible interest payout – monthly, quarterly or reinvestment in principal
• No premature withdrawal and auto-renewal facility
• Interest earned is taxable

*Subject to Income Tax Act, 1961 and amendments thereto.

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The Flexi Fixed Deposit feature gives you the liquidity of a Current Account coupled with high earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit (FD) linked to your Current Account providing you the unique facilities.

Features of Flexi Fixed Deposit

• Minimum balance in the Current Account should be ₹1,05,000 to generate a linked FD request.
• All FDs linked to the Account will be enabled for automatic reverse sweep when the balance in the Current Account falls below ₹1,00,000 for individual customers.
• The linked FDs will be under the same Customer ID for Current Account customers.
• FDs will be broken in the Last-In, First-Out (LIFO) basis for reverse sweep.
• The Fixed Deposit will be opened in auto renewal mode. The deposit will be renewed for the same tenure as the original tenure.
• The interest rate on such Fixed Deposit will be the rate applicable for the respective period, prevailing as on the date of such auto renewal.

Terms and Conditions apply.

Avail an overdraft against your fixed deposit of up to 90% of the principal and accrued interest, subject to ICICI Bank’s sole discretion. With this advantage, you can take care of your short-term emergency requirements without any hassles.

Managing your Fixed Deposit is very easy, quick and convenient on Internet Banking. Take a look at this video to understand:

1. View your FD details
2. Renew your FD for the same tenure
3. Download your FD Advice
4. View your Deposit Statement
5. Update your FD nominee, when your FD Mode of operation case is Single
6. In case of any emergency how you can avail of Overdraft against your FD
7. How can you avail Credit card against your FD
8. Submit Form 15G/H to save TDS
9. Download Interest Certificate for your tax filing

Terms and conditions apply.

VIEW YOUR FD DETAILS    RENEW YOUR FD Submit Form 15G/H

Managing your Fixed Deposit is very easy, quick and convenient on iMobile. Take a look at this video to understand:

1. View your FD details
   
2. Download your FD Advice
3. Renew your FD for the same tenure
4. In case of any emergency how you can avail of Overdraft against your FD
5. Submit Form 15G/H to save TDS
6. Download Interest Certificate for your tax filing
7. Download TDS Certificate
8. Modify your FD nominee, when your FD Mode of operation case is Single

Fulfil all your short-term goals instantly with Overdraft against your FD on iMobile Pay. You cnstantly with Overdraft against your FD on iMobile Pay. You can avail overdraft of up to 90% of your FD amount. You can also enjoy the following benefits:

Very low interest rates, No repayment charges, Convenient paperless process. Terms and conditions apply.

AVAIL OD ON YOUR FD