आई.सि.एफ.सि. फाइनान्स लिमिटेड
INTEREST RATE
Effective from 1st Kartik, 2083 (18th October, 2026)
Interest Rate of Fixed Deposit
Particular Interest Rate (% p.a.)
Individual
1 Year to below 2 Years 3.60
2 Years to below 5 Years 4.00
5 Years & above 5.00
Recurring Deposit 3.60
Remittance Individual Normal FD Rate + 1%
Institutional
1 Year to below 3 Years 2.75
3 Years to below 5 Years 3.00
5 Years & above 4.00
Saving Deposit 2.75-3.25
Remittance Saving Deposit Normal Rate + 1%
Call Account Max up to 1.37%
Floating Rate of Loan & Advances Average Base rate + Premium
Premium for Floating Rates of Loan & Advances*
Particular Minimum(%) Maximum(%)
| Working Capital Loan | 1.50 | 3.50 |
| Business Term Loan | 1.50 | 3.25 |
| Personal Loan -Term/OD | 1.50 | 3.25 |
| Margin/Share Loan | 1.00 | 3.00 |
| Hire purchase loan- Auto | 1.00 | 3.00 |
| Hire purchase loan- Auto (Commercial) | 1.50 | 3.50 |
| Hire purchase loan- Bike/other | 2.00 | 4.00 |
| Deprived Sector- other | 1.50 | 3.50 |
| Housing Loan | 1.00 | 3.00 |
Loan Against Government Securities Coupon rate + upto 2% or Base Rate + Premium up to 2% whichever is higher
Deprived Sector- MFI's Upto 2%
Loan Against Own FDR Coupon rate + upto 2% or Base Rate + Premium up to 2%
Fixed Interest Rate of Loan & Advances (%P.a.)
| Particular | Up to 5 Yrs | Up to 10 Yrs |
|---|---|---|
| Home Loan/Hire purchase loan (Personal) | 7.99 | 8.50 |
| Business term loan/Other Retail Loan | 8.50 | 8.75 |
| Hire Purchase Loan( Commercial) | 8.50 | 8.99 |
| Base Rate(BR) as on Bhadra | 2083 | 5.82 |
| Average Base Rate as on Bhadra | 2083 | 5.79 |
* Conditions Apply
Interest rates on consortium loans shall be as decided by consortium meetings.
