ICICI Bank Home Loan: Rates, Eligibility & Fees 2026
ICICI Bank offers home loans to buy, build or renovate a home. Butter Money compares ICICI Bank's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.40%
p.a. onwards
Processing Fee
₹5,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 80%
Rates updated 8 Sep 2026 from Butter's lender rate data · ICICI Bank's official rates
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What stands out with ICICI Bank
- Home loan overdraft option to park surplus funds and save interest
- 0.05% lower rate when a woman is the primary applicant
- Home loans for NRIs buying in India
- Repayment holiday (moratorium) available on under-construction homes
- Tenure up to 30 years
ICICI Bank home loan at a glance
| Lender type | Private bank |
| Starting rate | 7.40% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer, Overdraft home loan |
| Funding (LTV) | Up to 80% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
| NRI loans | Available |
ICICI Bank Interest Rates, September 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 7.40% onwards | 7.45% onwards |
| 700–749 | 7.95% onwards | |
| 750–799 | 7.60% onwards | 7.70% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 7.65% onwards | 7.70% onwards |
| 700–749 | 8.20% onwards | |
| 750–799 | 7.85% onwards |
Starting rates for each CIBIL band. Women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and profile. Updated 8 Sep 2026.
Fees & Charges
ICICI Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| ICICI Bank (this page) | Private bank | 7.40% onwards |
| Axis Bank | Private bank | 7.35% onwards |
| HDFC Bank | Private bank | 7.45% onwards |
| Bank of Baroda | Public sector bank | 7.35% onwards |
ICICI Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at ICICI Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.4% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh ICICI Bank home loan over 20 years at 7.40% costs ₹39,974 a month, or ₹45,93,875 in total interest. Every 0.25% higher adds about ₹765 a month.
ICICI Bank Home Loan FAQs
What is the ICICI Bank home loan interest rate?
ICICI Bank home loan rates start at 7.40% p.a. for the strongest credit profiles and rise for lower CIBIL scores, and women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and income.
Can I prepay my ICICI Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow ICICI Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will ICICI Bank fund?
ICICI Bank funds up to 80% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 8 Sep 2026 from Butter's lender rate data. Final terms are set by ICICI Bank at sanction. Source: ICICI Bank.