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iWish-Better returns - CIB

Can I close my goal mid way? Is there any penalty?

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Yes, you can close the Iwish account at any time. However, pre closure charges applicable.
If a iWish RD Account is prematurely closed, then the interest on it will be earned for the period it is held with the bank minus the premature closure charges and is 0.5% if original tenure is less than 1 year and 1% for more than 1 year.

What if I achieve the goal early?

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You can continue to keep the amount into your goal till the end of the period for which the goal was originally targeted to be achieved. Moreover, you will continue to get higher rate of interest for the rest of the period.
 

What is the rate of interest for iWish RD?

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To know the existing interest rates, we request you to click here.

What if a goal is not achieved by the end of a goal period? Will I continue to enjoy better returns?

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ICICI Bank does not charge any penalty if a goal is not reached within the goal period. You will enjoy the rate of interest applicable on your recurring deposit on the funds available in your account.

What if I am not able to deposit money towards my goal in a certain month? Will I continue to enjoy better returns?

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There are no penalties or charges if money could not be deposited towards your goal every month. You will continue to enjoy the rate of interest applicable on your recurring deposit on the funds available in your account.