ICICICI Bank Calculators & Rates 2026Private bank
Current ICICI loan and deposit rates, each wired to a calculator preset to that rate — plus how ICICI compares with other banks.
How ICICI compares with other banks
ICICI's home loan rate of 8.75% is the 6th lowest of 7 banks (best: PNB at 8.35%) — 0.05 percentage points above the 8.70% median.
ICICI's personal loan rate of 10.85% is the 2nd lowest of 8 banks (best: HDFC at 10.75%) — 0.17 percentage points below the 11.02% median.
ICICI's car loan rate of 9.10% is the 4th lowest of 7 banks (best: BoB at 8.85%) — exactly the median of the banks we track.
ICICI's 1-year FD rate of 6.70% is the 6th highest of 8 banks (best: AU SFB at 7.25%) — 0.10 percentage points below the 6.80% median.
ICICI's 1-year RD rate of 6.70% is the 5th highest of 8 banks (best: AU SFB at 7.20%) — 0.05 percentage points below the 6.75% median.
Rankings use each bank’s headline rate; your offered rate depends on amount, tenure and credit profile, so treat these as a shortlist, not a verdict. The full picture per product — slab-wise tables and every bank side by side — is on FD rates and all banks.
ICICI fees and rules that matter
The rate is only half the cost of a banking product. These are the charges and conditions from ICICI’s own product terms that most change what you actually pay or receive:
Home loan
- Processing fee of up to 0.50% of the loan amount plus GST, subject to a minimum of ₹5,000.
- No foreclosure or prepayment charges on floating-rate home loans taken by individual borrowers, per RBI guidelines.
- Interest rate is linked to the external benchmark (RBI Repo Rate) and resets when the repo rate is revised.
- Maximum repayment tenure of 30 years.
Personal loan
- Processing fee of up to 2% of the loan amount plus applicable GST.
- Foreclosure charges of up to 5% of the outstanding principal apply after the initial lock-in period.
- Loan amounts range from ₹50,000 to ₹50,00,000 depending on eligibility.
- Repayment tenure ranges from 12 to 72 months.
Car loan
- Processing fee of up to ₹5,000 plus GST (or 0.50% of the loan amount).
- Finance of up to 100% of the on-road price available for select models and profiles.
- Foreclosure charges of around 5% of the principal outstanding apply on fixed-rate car loans.
- Repayment tenure of up to 7 years (84 months).
FD · 1 year
- Minimum deposit of ₹10,000 to open a fixed deposit.
- Senior citizens earn an additional 0.50% over the standard card rate.
- Premature withdrawal attracts an interest penalty of 0.50% to 1.00%.
- Deposits are insured up to ₹5,00,000 per depositor by DICGC.
RD · 1 year
- Minimum monthly installment of ₹500, in multiples of ₹100 thereafter.
- Recurring deposit tenure ranges from 6 months to 10 years.
- Premature closure attracts an interest penalty of 0.50% to 1.00%.
- A penalty is levied for delayed or missed monthly installments.
1 ICICI rate(s) are overdue for a re-check — see the notice on those pages. Rates are indicative seed values; confirm with ICICI before acting.