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Offer Zone Rates & Charges
Rates & Charges
 
FD, RD & iWish
General
(390 days - 2 yrs)
8.25% Apply Now
Senior Citizens
(390 days - 2 yrs)
8.75% Apply Now
 
Loans
Home Loan 
(Upto 5 crore)
9.90*% Apply Now
Personal Loan
(Upto 20 lacs)
12.99*% Apply Now

More Rates       Service Charges & Fees 

Home Loan Interest Rate*

Women Borrower**

Floating Interest Rate
CategoryEffective Rate of InterestRate
Up to ₹ 5 crore 9.85% I-Base + 0.15%
Above ₹ 5 crore 10.10% I-Base + 0.40%

 

Fixed Interest Rate for 5 Years, 10 Years
CategoryEffective Rate of InterestRate
Up to ₹ 30 lacs 9.85% I-Base + 0.15%
Above ₹ 30 lacs to ₹ 5 crore 9.95% I-Base + 0.25%
Above ₹ 5 crore 10.20% I-Base+0.50%

 

Full Tenor Fixed Interest Rate
CategoryEffective Rate of Interest
Up to ₹ 30 lacs 9.95%
Above ₹ 30 lacs to ₹ 5 crore 10.05%
Above ₹ 5 crore 10.30%

 

Weaker Section Borrower#

Floating Interest Rate
CategoryEffective Rate of InterestRate
Up to ₹ 25 lacs 9.85% I-Base + 0.15%

 

Salaried Borrower

Floating Interest Rate
CategoryEffective Rate of InterestRate
Up to ₹ 5 crore 9.90% I-Base + 0.20%
Above ₹ 5 crore 10.15% I-Base + 0.45%

 

Fixed Interest Rate for 1 Year, 2 Years, 3 Years
CategoryFixed rate for 12/24/36 monthsFloating rate pricing from 13th/25th/37th month
Up to ₹ 5 crore 9.90% I-Base + 0.20%
Above ₹ 5 crore 10.15% I-Base + 0.45%

 

Fixed Interest Rate for 5 Years, 10 Years
CategoryFixed rate for 60/120 monthsFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 9.90% I-Base + 0.20%
Above ₹ 30 lacs 10.00% to 10.25% I-Base + (0.30% to 0.55%)

 

Full Tenor Fixed Interest Rate
CategoryEffective Rate of Interest
Up to ₹ 30 lacs 10.00%
Above ₹ 30 lacs 10.10% to 10.35%

 

Self Employed Borrower

Floating Interest Rate
CategoryEffective Rate of InterestRate
Up to ₹ 1.5 crore 9.90% I-Base + 0.20%
Above ₹ 1.5 crore 10.00% to 10.15% I-Base + (0.30% to 0.45%)

 

Fixed Interest Rate for 1 Year, 2 Years, 3 Years
CategoryFixed rate for 12/24/36 monthsFloating rate pricing from 13th/25th/37th month
Up to ₹ 1.5 crore 9.90% I-Base + 0.20%
Above ₹ 1.5 crore 10.00% to 10.15% I-Base + (0.30% to 0.45%)

 

Fixed Interest Rate for 5 Years, 10 Years
CategoryFixed rate for 60/120 monthsFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 9.90% I-Base + 0.20%
Above ₹ 30 lacs 10.00% to 10.25% I-Base + (0.30% to 0.55%)

 

Full Tenor Fixed Interest Rate
CategoryEffective Rate of Interest
Up to ₹ 30 lacs 10.00%
Above ₹ 30 lacs 10.10% to 10.35%

 

 

Disclaimer:
All ICICI Bank floating rate home loan is benchmarked to I-Base. Effective June 26, 2015 I-Base is 9.70%
Adminstrative fee applicable is 0.5% of loan amount plus applicable service tax.
*Valid till August 31, 2015.
**Woman borrower should be the main applicant to the loan and she should be either owner or co-owner in the property being financed.

#Weaker section as defined by RBI under Priority sector loans classification including SC and ST

 

Non - Home Loan Interest Rate

Indicative lending rate for Non – Home Loan 12.25% onwards.

 

Non-Home Loan includes Top-up Loan, Loan Against Property – residential and commercial, Office Premises Loan etc.

Home Loan Repayment Options

ICICI Bank offers convenient repayment options to its customers. Please click here to know more about repayment options available for ICICI Bank Home Loans.


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