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“ICICI Home Loan – Benefits, Application Process & Interest Rate”
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Zero Hidden Charges
Hassle Free and Fast Approval Process
Personalized Loan Assistance
Exciting CashbacksICICI Bank home loan rates start at 8.75% p.a. and go up to 9.90%. Floating rates are linked to the bank's repo rate 5.50%. Effective: 8 Oct 2026, valid till 31 Oct 2026. The RBI raised the repo rate by 25 bps to 5.50% on 7 October 2026; existing repo-linked loans move at their next reset date.
| Borrower / slab | Interest rate (p.a.) |
|---|---|
| Salaried | 8.75% – 9.90% |
| Self-employed | 8.75% – 10.05% |
| Up to ₹35 lakh | 8.75%–9.65% (salaried), 8.75%–9.80% (self-employed) |
| ₹35–75 lakh | 8.75%–9.80% (salaried), 8.75%–9.95% (self-employed) |
| Above ₹75 lakh | 8.75%–9.90% (salaried), 8.75%–10.05% (self-employed) |
| CIBIL 800+ | 8.75% |
| CIBIL 750–800 | 8.75% (salaried), 8.85% (self-employed) |
Source: ICICI Bank official rate page, checked 26 Oct 2026. The rate you are offered depends on your credit score, loan amount and income type.
| Loan amount | 20 years at 8.75% | 30 years at 8.75% | 20 years at 9.90% |
|---|---|---|---|
| ₹25 lakh | ₹22,093 | ₹19,668 | ₹23,960 |
| ₹50 lakh | ₹44,186 | ₹39,335 | ₹47,920 |
| ₹75 lakh | ₹66,278 | ₹59,003 | ₹71,880 |
| ₹1 crore | ₹88,371 | ₹78,670 | ₹95,841 |
| ₹1.5 crore | ₹1,32,557 | ₹1,18,005 | ₹1,43,761 |
A 0.25% rise adds ₹801 a month to a ₹50 lakh, 20-year loan at 8.75%. Try the ICICI Bank EMI calculator.
| Item | Value |
|---|---|
| Processing fee | 0.50% of loan amount + taxes (bank) |
| Minimum loan amount | ₹20 lakh (Ambak panel) |
| Maximum loan amount | ₹30 crore (Ambak panel) |
| Lender | Interest rate (p.a.) | Effective |
|---|---|---|
| Bank of Baroda | 7.40% – 9.15% | 8 Oct 2026 |
| Canara Bank | 7.40% – 10.25% | 9 Oct 2026 |
| Union Bank of India | 7.40% – 9.60% | 8 Oct 2026 |
| Central Bank of India | 7.45% – 9.00% | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | RLLR 8.35% w.e.f. 8 Oct 2026; festive rates 1 Oct–31 Dec 2026 |
| State Bank of India | from 7.50% | 15 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | — |
| Axis Bank | 8.00% – 9.10% | — |
| HDFC Bank | 8.00% – 13.45% | — |
| ICICI Bank | 8.75% – 9.90% | 8 Oct 2026, valid till 31 Oct 2026 |
All rates from each bank's official rate page, checked 26 Oct 2026.
Zero Hidden ChargesHassle Free and Fast Approval ProcessPersonalized Loan AssistanceExciting Cashbacks
