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Icici Bank Home Loans vs Axis Bank Home Loan Home Loan Comparison | Ambak

Compare Icici Bank Home Loans vs Axis Bank Home Loan home loan offers side by side — including interest rates, EMI per lakh, processing fees, and LTV ratio. Make a smarter borrowing decision with Ambak's free comparison tool.
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Which banks saves you more?

Choosing the right bank isn’t just about the lowest interest rate but the total cost of your loan. Small differences in rates, fees, and charges can significantly impact your overall savings. The best choice is the bank that offers the highest value based on your profile, not just the lowest rate.
Ambak Recommended
ICICI Bank
ICICI Bank
Home Loan
Axis Bank
Axis Bank
Home Loan
vs
Home loan comparison between ICICI Bank and Axis Bank
MetricICICI BankAxis Bank
Interest Rate
7.3% – 9.5%
7.5% – 9%
Interest Rate
7.3% – 9.5%
7.5% – 9%
Processing Fee
0.25% of loan amt. + GST
0.25% + GST (incld. Login Fee)
Processing Fee
0.25% of loan amt. + GST
0.25% + GST (incld. Login Fee)
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Min Loan Amount
₹20000 Cr
₹20000 Cr
Min Loan Amount
₹20000 Cr
₹20000 Cr
EMI per Lakh
₹794
₹806
EMI per Lakh
₹794
₹806

Why Choose ICICI Bank Home Loan

When evaluating a ICICI Bank home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose Axis Bank Home Loan

When evaluating a Axis Bank home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate ICICI Bank vs Axis Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
ICICI Bank
ICICI Bank
7.3%
EMI
₹ 79,341
Interest
₹ 90,41,840
Total
₹ 1,90,41,840
Your Total Savings
₹ 2,92,320
Axis Bank
Axis Bank
7.5%
EMI
₹ 80,559
Interest
₹ 90,41,840
Total
₹ 1,93,34,160

ICICI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.3% — that's cheaper than Axis Bank's 7.5%
  • •You pay only ₹794/lakh per month — ₹12 less than Axis Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% of loan amt. + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Axis Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% + GST (incld. Login Fee)
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.5% is slightly higher than ICICI Bank's 7.3%
  • •Monthly EMI of ₹806/lakh is ₹12 more than ICICI Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare ICICI Bank with other banks

Compare Axis Bank with other banks

ICICI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.3% — that's cheaper than Axis Bank's 7.5%
  • •You pay only ₹794/lakh per month — ₹12 less than Axis Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% of loan amt. + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Axis Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% + GST (incld. Login Fee)
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.5% is slightly higher than ICICI Bank's 7.3%
  • •Monthly EMI of ₹806/lakh is ₹12 more than ICICI Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

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