ICICI vs Post Office RD
Side-by-side comparison of ICICI Bank and India Post Office RD schemes — rate bands, senior bonuses, compounding and end-to-end maturity on identical inputs. All figures use last-published rates as on 2025-09.
ICICI vs Post Office — RD side-by-side
rates as on 2025-09ICICI RD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 6 – 9 months | 5.75 | 6.25 |
| 9 – 12 months | 6.00 | 6.50 |
| 12 – 24 months | 6.70 | 7.20 |
| 24 – 36 months | 7.00 | 7.50 |
| 36 – 60 months | 7.00 | 7.50 |
| 60 – 120 months | 6.50 | 7.50 |
Post Office RD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 5 years (PORD) | 6.70 | 6.70 |
// icici vs post office at a glance
Major private bank offering a wide spread of FD tenors with attractive 15-to-21 month sweet-spot rates.
- · Established 1994, HQ Vadodara
- · RD rate band: 5.75% – 7.00%
- · Senior bonus: 50 bps
- · Min monthly: ₹500
Sovereign-backed savings & deposit schemes operated by the Department of Posts, with fixed quarterly notified rates.
- · Established 1854, HQ New Delhi
- · RD rate band: 6.70% – 6.70%
- · Senior bonus: 0 bps
- · Min monthly: ₹100
Both ICICI Bank and India Post Office are scheduled commercial banks regulated by the Reserve Bank of India, so the contract terms, KYC requirements and DICGC ₹5 lakh deposit insurance are identical. The real differentiation is in the rate card and the special-tenor product mix.
The RDcalculator above lets you tune principal, tenor, and each bank's applicable rate independently — useful when the two banks lead at different slabs (a common scenario when one runs a special-tenor offer like 444 / 555 / 700 days).