ICICI Home Loan EMI Calculator
Preset to ICICI's current home loan emi rate of 8.75%. Change any value to see your own numbers.
- Current rate 8.75%
- Range 8.75–9.10%
- Rank #6 of 7 banks
- Verified 16 July 2026
ICICI Home Loan EMI Calculator
- Principal₹50,00,000
- Total interest₹56,04,527
- Total payment₹1,06,04,527
Where your money goes
- Principal ₹50,00,000
- Interest ₹56,04,527
ICICI home loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Up to ₹35,00,000 (salaried) | 8.75% |
| ₹35,00,000 – ₹75,00,000 (salaried) | 8.85% |
| Above ₹75,00,000 (salaried) | 8.95% |
| Self-employed | 9.10% |
This Home Loan calculator is preset to ICICI Bank's current 8.75% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real ICICI loan — change the amount or tenure to match yours.
ICICI's home loan rates run from 8.75% to 9.10% depending on your profile and loan size. Below is ICICI's full rate table, the fees and rules that actually apply, and how ICICI compares with the 7 banks we track — the one thing no bank's own page will show you.
ICICI home loan — key facts
- 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.
How ICICI compares
ICICI's home loan rate is above the category median. PNB is cheaper at 8.35%.
ICICI home loan FAQs
What is ICICI's home loan interest rate in 2026?
ICICI Bank offers home loan rates from 8.75% to 9.1% (indicative headline 8.75%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a ICICI home loan?
The processing fee is Up to 0.50% of loan amount + GST (minimum ₹5,000). Processing fee of up to 0.50% of the loan amount plus GST, subject to a minimum of ₹5,000.
Can I prepay or foreclose my ICICI home loan early?
No foreclosure or prepayment charges on floating-rate home loans taken by individual borrowers, per RBI guidelines.
How is the EMI on a ICICI home loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 8.75% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.