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Rates & Charges

Rates & Charges

FD, RD & iWish

General (390 days - 2 yrs)	7.25%	Apply Now
Senior Citizens (390 days - 2 yrs)	7.75%	Apply Now

Loans

Home Loan (Upto 5 crore)	9.45*%	Apply Now
Personal Loan (Upto 20 lacs)	11.49*%	Apply Now

More Rates Service Charges & Fees

Tools and Calculators

Personal ›Loans ›Home Loan ›Interest Rates

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Home Loan
Car Loan
Personal Loan
Gold Loan
Loans Against Securities
Commercial Business Loan
Pradhan Mantri Mudra Yojana
Stand-Up India Scheme

Home Loan Interest Rate*

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Women Borrower**

Floating Interest Rate
Category	Effective Rate of Interest	Rate
Up to ₹ 5 crore	9.40%	I-MCLR-1Y + 0.30%
Above ₹ 5 crore	9.65%	I-MCLR-1Y + 0.55%
Fixed Interest Rate for 5 Years, 10 Years
Category	Effective Rate of Interest	Rate
Up to ₹ 30 lacs	9.40%	I-MCLR-1Y + 0.30%
₹ 30 lacs to ₹ 5 crore	9.50%	I-MCLR-1Y + 0.40%
Above ₹ 5 crore	9.75%	I-MCLR-1Y+0.65%
Full Tenor Fixed Interest Rate
Category	Effective Rate of Interest
Up to ₹ 30 lacs	9.70%
₹ 30 lacs to ₹ 5 crore	9.80%
Above ₹ 5 crore	10.05%

Weaker Section Borrower^#

Floating Interest Rate
Category	Effective Rate of Interest	Rate
Up to ₹ 25 lacs	9.40%	I-MCLR-1Y + 0.30%

Salaried Borrower

Floating Interest Rate
Category	Effective Rate of Interest	Rate
Up to ₹ 5 crore	9.45%	I-MCLR-1Y + 0.35%
Above ₹ 5 crore	9.70%	I-MCLR-1Y + 0.60%
Fixed Interest Rate for 2 Years, 3 Years
Category	Fixed rate for 24/36 months	Floating rate pricing from 25^th/37^th month
Up to ₹ 5 crore	9.45%	I-MCLR-1Y + 0.35%
Above ₹ 5 crore	9.70%	I-MCLR-1Y + 0.60%
Fixed Interest Rate for 5 Years, 10 Years
Category	Fixed rate for 60/120 months	Floating rate pricing from 61^st/121^st month
Up to ₹ 30 lacs	9.45%	I-MCLR-1Y + 0.35%
Above ₹ 30 lacs	9.55% to 9.80%	I-MCLR-1Y + (0.45% to 0.70%)
Full Tenor Fixed Interest Rate
Category	Effective Rate of Interest
Up to ₹ 30 lacs	9.75%
Above ₹ 30 lacs	9.85% to 10.10%

Self Employed Borrower

Floating Interest Rate
Category	Effective Rate of Interest	Rate
Up to ₹ 1.5 crore	9.45%	I-MCLR-1Y + 0.35%
Above ₹ 1.5 crore	9.55% to 9.70%	I-MCLR-1Y + (0.45% to 0.60%)
Fixed Interest Rate for 2 Years, 3 Years
Category	Fixed rate for 24/36 months	Floating rate pricing from 25^th/37^th month
Up to ₹ 1.5 crore	9.45%	I-MCLR-1Y + 0.35%
Above ₹ 1.5 crore	9.55% to 9.70%	I-MCLR-1Y + (0.45% to 0.60%)
Fixed Interest Rate for 5 Years, 10 Years
Category	Fixed rate for 60/120 months	Floating rate pricing from 61^st/121^st month
Up to ₹ 30 lacs	9.45%	I-MCLR-1Y + 0.35%
Above ₹ 30 lacs	9.55% to 9.80%	I-MCLR-1Y + (0.45% to 0.70%)
Full Tenor Fixed Interest Rate
Category	Effective Rate of Interest
Up to ₹ 30 lacs	9.75%
Above ₹ 30 lacs	9.85% to 10.10%

Disclaimer:
All ICICI Bank floating rate home loan is benchmarked to I-MCLR-1Y. Effective Aug 01, 2016 I-MCLR-1Y is 9.10%
Processing Fee applicable is 0.5% of loan amount plus applicable service tax.
*Valid till September 30, 2016.

**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 12.00% 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.