ICICI Bank Home Loan Interest Rate — 16th September 2026

Q: What is the current ICICI Bank home loan interest rate?

Its published starting rate is 8.50% , and its range goes up to 9.80% . We took that from ICICI Bank’s website on 16 September 2026; ICICI Bank doesn’t say when it took effect. Your own rate is set once ICICI Bank has assessed your file.

Q: How long can a ICICI Bank home loan run?

ICICI Bank publishes a maximum term of 30 years , with an age condition of salaried 20 to 65; self-employed 21 to 70. On ₹50 lakh at 8.50%, stretching to the full term costs ₹38,446 a month, against ₹49,237 over 15 years.

Q: How much is the monthly EMI on ₹50 lakh at ICICI Bank?

At 8.50%, ₹50 lakh costs ₹43,391 a month over 20 years, or ₹49,237 over 15 years. At the top of ICICI Bank’s range, 9.80%, the 20-year EMI is ₹47,590.

Private sector bank

The lowest home loan interest rate ICICI Bank publishes is 8.50%, and its range runs to 9.80%. We read ICICI Bank’s rate page on 16 September 2026; this page reproduces what it says, explains the parts that matter, and turns the rates into EMIs you can plan around.

Starting rate

8.50%

Top of published range

9.80%

Benchmark

Repo 5.25%

Effective from

Not published

Read from ICICI Bank’s own website on 16 September 2026. Source and method

ICICI Bank home loan interest rate card

By credit score, loan size and employment

Rate card	Salaried	Self-employed
Special: credit score 800	8.50%	8.50%
Special: credit score 750 – 800	8.50%	8.60%
Standard: up to ₹35 lakh	8.50% – 9.40%	8.50% – 9.55%
Standard: ₹35 lakh – ₹75 lakh	8.50% – 9.55%	8.50% – 9.70%
Standard: above ₹75 lakh	8.50% – 9.65%	8.50% – 9.80%
Fixed for 24 months	9.10% – 9.15%	—
Fixed for 37 months	8.90% – 9.15%	—
Fixed for 120 months	10.50% – 10.60%	—
Fixed for the full term	10.90% – 11.20%	—

Fixed-rate rows are published as one range, without a salaried / self-employed split.

What ICICI Bank’s interest rate card tells you

ICICI Bank starts everyone at 8.50% and moves the ceiling instead. On its standard card the top of the range rises with loan size — 9.40% up to ₹35 lakh, 9.65% above ₹75 lakh for salaried borrowers — and self-employed applicants carry 0.15% more at every slab. Its special rates for scores of 750 and above hold you at 8.50%, or 8.60% if you’re self-employed and below 800. ICICI is also one of the few banks to publish fixed rates by term: 8.90% to 9.15% to fix for 37 months, rising to 10.90% or more to fix for the whole loan.

Ranked by published starting rate, ICICI Bank comes joint 34th of 48 — joint 17th within the 19 private banks we track. At 8.50%, ICICI Bank’s starting rate sits 3.25 points over the RBI repo rate of 5.25%. Between the bottom and top of ICICI Bank’s published range, the EMI on ₹50 lakh over 20 years moves by ₹4,199 a month — which is why the band you land in matters more than the headline.

EMI at ICICI Bank’s home loan interest rate

EMI at 8.50%, ICICI Bank’s published floor. Where a loan size has its own guide on BankCreds, the amount links to it.

Loan amount	10 years	15 years	20 years	25 years	20 yrs at 9.80%
₹35 lakh	₹43,395	₹34,466	₹30,374	₹28,183	₹33,313
₹50 lakh	₹61,993	₹49,237	₹43,391	₹40,261	₹47,590
₹70 lakh	₹86,790	₹68,932	₹60,748	₹56,366	₹66,627
₹1 crore	₹1,23,986	₹98,474	₹86,782	₹80,523	₹95,181

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

ICICI Bank against lenders priced nearby

The four lenders whose published starting rates sit closest to ICICI Bank’s, with the EMI each floor produces on ₹50 lakh over 20 years.

Lender	Published rate	EMI, ₹50 lakh / 20 yrs	vs ICICI Bank
City Union Bank Private sector bank	8.25% – 10.50%	₹43,391	same
CSB Bank Private sector bank	8.30% onwards	₹42,760	−₹631/mo
ICICI Bank Private sector bank	8.50% – 9.80%	₹43,391	—
Karur Vysya Bank Private sector bank	8.50% – 10.65%	₹43,391	same
Bandhan Bank Private sector bank	8.55% – 13.52%	₹43,550	+₹159/mo

All 48 lenders → Filter and compare → Lowest rates →

How to land near the bottom of ICICI Bank’s range

If you’re self-employed with a score of 800 or more, ICICI’s special rate fixes you at 8.50% — the same as a salaried borrower — instead of a standard range that can run to 9.80%.
Look at where your loan amount falls against the card’s size brackets before you settle the figure. Being just across a bracket boundary can change your rate, in either direction.
Get at least two written quotes before you commit. Lenders move more readily against a real competing offer than against a rate you’ve read online.

What a ICICI Bank home loan costs beyond interest

Processing fee	Up to 2% of the loan amount plus taxes, according to ICICI’s service charges page. Non-refundable, paid when you apply. On a ₹50 lakh loan, that comes to at most ₹1,00,000, before GST.
Prepayment and foreclosure	No part-prepayment fee. Floating-rate loans: nil. Fixed-rate loans: 2% of the amount prepaid.
Administrative charges	0.25% of the loan or ₹5,000, whichever is lower
Switching from floating to fixed or another floating rate	₹3,000
Late payment	5% a year on the overdue amount

The FAQ on the same ICICI page gives 0.5% of the sanctioned amount instead — a large difference. Ask for the fee in writing before you pay it.

Source: ICICI Bank’s own schedule of charges, read on 16 September 2026: https://www.icici.bank.in/personal-banking/loans/home-loan/service-charges

ICICI Bank home loan eligibility

Who can apply	Salaried and self-employed individuals, resident or NRI. ICICI describes a credit score of 700 or more as ideal.
Age	Salaried 20 to 65; self-employed 21 to 70
Longest term	30 years

Source: ICICI Bank’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.icici.bank.in/personal-banking/loans/home-loan

ICICI Bank home loan interest rate — common questions

What is the current ICICI Bank home loan interest rate?

Its published starting rate is 8.50%, and its range goes up to 9.80%. We took that from ICICI Bank’s website on 16 September 2026; ICICI Bank doesn’t say when it took effect. Your own rate is set once ICICI Bank has assessed your file.

How much does ICICI Bank charge to process a home loan?

Up to 2% of the loan amount plus taxes, according to ICICI’s service charges page. Non-refundable, paid when you apply. On a ₹50 lakh loan, that comes to at most ₹1,00,000, before GST. The FAQ on the same ICICI page gives 0.5% of the sanctioned amount instead — a large difference. Ask for the fee in writing before you pay it.

How long can a ICICI Bank home loan run?

ICICI Bank publishes a maximum term of 30 years, with an age condition of salaried 20 to 65; self-employed 21 to 70. On ₹50 lakh at 8.50%, stretching to the full term costs ₹38,446 a month, against ₹49,237 over 15 years.

What sets my home loan rate at ICICI Bank?

ICICI Bank publishes its rates by credit score, loan size and employment. For example — Special: credit score 800: 8.50% · 8.50%; Special: credit score 750 – 800: 8.50% · 8.60%; Standard: up to ₹35 lakh: 8.50% – 9.40% · 8.50% – 9.55%. The full card is reproduced above.

How much is the monthly EMI on ₹50 lakh at ICICI Bank?

At 8.50%, ₹50 lakh costs ₹43,391 a month over 20 years, or ₹49,237 over 15 years. At the top of ICICI Bank’s range, 9.80%, the 20-year EMI is ₹47,590.

Is the ICICI Bank home loan interest rate floating or fixed?

ICICI Bank publishes both: floating home loan interest rates and fixed-rate options. ICICI Bank quotes its home loan rates against the RBI repo rate, currently 5.25%. When the benchmark moves, floating rates linked to it move with it; the spread ICICI Bank adds for your profile generally stays the same.

How does ICICI Bank compare with Karur Vysya Bank?

Karur Vysya Bank publishes home loans from 8.50%, against 8.50% at ICICI Bank — the same starting rate. Starting rates alone won’t separate them. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: ICICI Bank’s own interest rate page, read by BankCreds on 16 September 2026: https://www.icici.bank.in/personal-banking/loans/home-loan/interest-rates

ICICI Bank publishes no effective date for this rate, so we don’t show one.

This is the first reading in our ICICI Bank rate history, taken on 16 September 2026, and future changes will be dated from it. The fees and eligibility shown were read from ICICI Bank’s own schedule of charges and product pages.

Rates are what ICICI Bank publishes, not an offer: the rate you’re quoted is set by ICICI Bank after it assesses your application. How we collect and check rates →