iWish Goal-Based Savings: Interest Rates
iWish is a convenient and flexible savings tool from ICICI Bank. It allows you to set specific financial goals and systematically save towards them. With iWish, you can tailor your savings to suit your individual goals, save a portion of your income regularly, monitor your progress towards your goals and much more!
Interest Rates for iWish Goal-Based Savings
Tenure-wise interest rates (% p.a.) for iWish Goal Based Savings
| Tenure / Maturity Period | Rates of Interest# (% p.a.) w.e.f 16th Jan, 2025 | |
|---|---|---|
| General | Senior Citizen | |
| 6 months | 4.75% | 5.25% |
| 7 months - 8 months | 5.75% | 6.25% |
| 9 months | 6.00% | 6.50% |
| 10 months - 11 months | 6.00% | 6.50% |
| 12 months only | 6.70% | 7.20% |
| 13 months < 15 months | 6.70% | 7.20% |
| 15 months < 18 months | 7.25% | 7.85% |
| 18 months - 24 months | 7.25% | 7.75% |
| 25 months - 3 years | 7.00% | 7.50% |
| 37 months - 5 years | 7.00% | 7.50% |
| 5 year 1 day - 10 years | 6.90% | 7.40% |
#Interest rates are subject to change from time to time as per revisions made by the RBI and as per ICICI Bank’s internal policies, without prior notice.
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iWish Goal-Based Savings Interest on Premature Withdrawal
1) Interest will be calculated at the rate applicable for the period the Deposit act remained with ICICI Bank.
2) Penalty will be levied as per the table below
| Original Tenure of the Deposit | Penal Rate |
|---|---|
Less than 1 year |
0.50% |
1 year & above but less than 5 years |
1.00% |
Subject to revision without further notice.