ICICI Home Loan Calculator Rates updated October 2026
Instant EMI Calculation for ICICI Home Loans
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ICICI Home Loan EMI Calculator 2026
Updated on Written by Ramandeep Sadana, Credit Expert with over 10 years of experience
The calculator above uses the standard reducing-balance formula. The figures below are worked at ICICI Bank's current starting rate of 8.75% p.a. (range 8.75%–9.90%). Source: ICICI Bank official rate page, checked 26 Oct 2026. Full rate card: ICICI Bank home loan interest rate.
ICICI Bank home loan EMI by loan amount and tenure
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹20 lakh | ₹25,065 | ₹19,989 | ₹17,674 | ₹16,443 | ₹15,734 |
| ₹30 lakh | ₹37,598 | ₹29,983 | ₹26,511 | ₹24,664 | ₹23,601 |
| ₹40 lakh | ₹50,131 | ₹39,978 | ₹35,348 | ₹32,886 | ₹31,468 |
| ₹50 lakh | ₹62,663 | ₹49,972 | ₹44,186 | ₹41,107 | ₹39,335 |
| ₹75 lakh | ₹93,995 | ₹74,959 | ₹66,278 | ₹61,661 | ₹59,003 |
| ₹1 crore | ₹1,25,327 | ₹99,945 | ₹88,371 | ₹82,214 | ₹78,670 |
EMI at 8.75% p.a. Each ₹1 lakh borrowed costs ₹884 a month over 20 years.
Where a ₹50 lakh EMI goes, year by year
| Year | Interest paid | Principal repaid | Balance at year end |
|---|---|---|---|
| 1 | ₹4,33,689 | ₹96,537 | ₹49,03,463 |
| 2 | ₹4,24,895 | ₹1,05,331 | ₹47,98,132 |
| 5 | ₹3,93,408 | ₹1,36,819 | ₹44,20,991 |
| 10 | ₹3,18,654 | ₹2,11,573 | ₹35,25,627 |
| 15 | ₹2,03,056 | ₹3,27,171 | ₹21,41,059 |
| 20 | ₹24,298 | ₹5,05,928 | ₹0 |
₹50 lakh at 8.75% over 20 years: EMI ₹44,186, total interest ₹56,04,529. In year 1, 82% of what you pay is interest.
What changes your EMI
| On a ₹50 lakh, 20-year loan | Monthly EMI | Total cost |
|---|---|---|
| Rate rises 0.25% to 9.00% | +₹801 a month | +₹1,92,183 over 20 years |
| Rate at the top of the range (9.90%) | +₹3,735 a month | +₹8,96,338 over 20 years |
| Tenure 30 years instead of 20 | −₹4,851 a month | +₹35,56,079 more interest |
The RBI raised the repo rate to 5.50% on 7 October 2026. Repo-linked floating loans reset at the bank's next reset date; prepaying a floating-rate loan carries no penalty for individual borrowers. Try the prepayment calculator.
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