Compare HDFC Bank Fixed Deposit and ICICI Bank Fixed Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Savers who want a large-bank fixed deposit with tenures from days to years and are willing to choose the tenure based on the current dated rate table rather than an evergreen headline rate.
Savers who want a large private-bank FD and prefer comparing current effective yields and tenure-specific rates immediately before booking.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/hdfc-bank-fixed-deposit-vs-icici-bank-fixed-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
1 attached source. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | HDFC Bank Fixed Deposit | ICICI Bank Fixed Deposit |
|---|---|---|
| Current rate evidence | For retail deposits below ₹3 crore, the reviewed table applicable from 19 August 2026 ranges from 2.75% to 6.50% p.a. for general customers and from 3.25% to 7.10% p.a. for eligible resident senior citizens. | The reviewed retail table effective 18 June 2026 reaches 6.50% p.a. for general customers and 7.10% p.a. for senior citizens in the applicable below-₹3-crore tenure bands. |
| Tenure / deposit band | Retail rate table covers deposits below ₹3 crore across tenures from 7 days to 10 years; NRE deposits have separate minimum-tenure rules. | Retail tables distinguish deposits below ₹3 crore and higher deposit bands; tenure and deposit amount determine the applicable rate. |
| Payout / deposit features | Cumulative/reinvestment and payout options are available under current deposit terms; senior citizens receive tenure-specific additional rates on eligible resident deposits. | Callable fixed deposits can be closed early under current rules, and the bank publishes effective-yield information alongside nominal rates. |
| Liquidity / premature withdrawal | Premature withdrawal can reduce the applicable interest rate and may attract the bank's prevailing penalty; large/non-withdrawable deposits use separate rate tables. | Premature withdrawal pays interest for the actual period subject to current rules; domestic/NRO deposits withdrawn within 7 days and NRE deposits withdrawn within 1 year have no interest under reviewed conditions. |
| Eligibility | Resident individuals and other eligible depositors under HDFC Bank's current deposit-opening/KYC rules; NRE/NRO treatment differs by deposit type. | Eligible customers under ICICI Bank's current fixed-deposit and KYC rules; senior-citizen and NRI treatment differs. |
| Rate / booking condition | The applicable rate is the rate available when the deposit is actually booked; customers should confirm the final rate on the booking screen or branch advice. | The rate locked at booking depends on deposit amount, tenure and customer category; higher-value deposits use separate tables. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | HDFC Bank Fixed Deposit | ICICI Bank Fixed Deposit |
|---|---|---|
| 3 years | 6.45% · senior 6.95% | 6.45% · senior 6.95% |
| 4 years | 6.50% · senior 7.10% | 6.50% · senior 7.10% |
Schedule reference: August 19, 2026. HDFC Bank Domestic/NRO/NRE fixed-deposit table below ₹3 crore applicable from 19 August 2026.
Schedule reference: June 18, 2026. ICICI callable retail FD schedule below ₹3 crore effective 18 June 2026.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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One side's source depth or freshness never fills a gap in the other record.
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 10, 2026 · 2 attached first-party sources
Reviewed September 9, 2026 · 1 attached first-party source