EMI as low as ₹812* per Lakh

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₹5,00,000

₹3,00,00,000

Total Loan
₹
Tenure (In Months)
Interest Rate (p.a)
EMI (Monthly)
₹

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*T&C apply. The values shown are for representation purposes only. Actual values may differ.

Home Loan Interest Rate*

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Current Home loan Interest Rates Based on Borrowers Category

A. Special pricing for loans up to ₹ 30 lacs

Floating Interest Rate

Category	I-MCLR-6M (8.75%)	I-MCLR-1Y (8.80%)
Salaried Borrower Loan Amount <= ₹ 30 lacs
Women Borrower	I-MCLR-6M + 0.35% (9.10%)	I-MCLR-1Y + 0.30% (9.10%)
Others	I-MCLR-6M + 0.40% (9.15%)	I-MCLR-1Y + 0.35% (9.15%)
Self Employed Borrower Loan Amount <= ₹ 30 lacs
Women Borrower	I-MCLR-6M + 0.40% (9.15%)	I-MCLR-1Y + 0.35%(9.15%)
Others	I-MCLR-6M + 0.45% (9.20%)	I-MCLR-1Y+ 0.40% (9.20%)

B. Below mentioned floating rates are linked to I-MCLR-1Y (One year MCLR) benchmark rate. I-MCLR-1Y is 8.80%.

Women Borrower** - Salaried

Floating Interest Rate
Category	Effective Rate of Interest	Rate
₹ 30 lacs to ₹ 75 lacs	9.20%	I-MCLR-1Y+0.40%
Above ₹ 75 lacs	9.25%	I-MCLR-1Y+0.45%
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 ₹ 30 lacs	9.35%	I-MCLR-1Y + 0.55%
₹ 30 lacs to ₹ 75 lacs	9.45%	I-MCLR-1Y + 0.65%
Above ₹ 75 lacs	9.50%	I-MCLR-1Y+0.70%
Fixed Interest Rate for 5 Years, 10 Years
Category	Effective Rate of Interest	Floating rate pricing from 61^st/121^st month
Up to ₹ 30 lacs	9.50%	I-MCLR-1Y + 0.70%
₹ 30 lacs to ₹ 75 lacs	9.60%	I-MCLR-1Y + 0.80%
Above ₹ 75 lacs	9.65%	I-MCLR-1Y+0.85%
Full Tenor Fixed Interest Rate
Category	Effective Rate of Interest
Up to ₹ 30 lacs	9.90%
₹ 30 lacs to ₹ 5 crore	10.00%
Above ₹ 5 crore	10.25%

Women Borrower-Self Employed**

Floating Interest Rate
Category	Effective Rate of Interest	Rate
₹ 30 lacs to ₹ 75 lacs	9.25%	I-MCLR-1Y + 0.45%
Above ₹ 75 lacs	9.30%	I-MCLR-1Y + 0.50%
Fixed Interest Rate for 2 Years, 3 Years
Category	Fixed rate for 24/36 months	Floating rate pricing from 25^th/37^th month
Upto ₹ 30 lacs	9.40%	I-MCLR-1Y + 0.60%
₹ 30 lacs to ₹ 75 lacs	9.50%	I-MCLR-1Y + 0.70%
Above ₹ 75 lacs	9.55%	I-MCLR-1Y + 0.75%
Fixed Interest Rate for 5 Years, 10 Years
Category	Effective Rate of Interest	Floating rate pricing from 61^st/121^st month
Up to ₹ 30 lacs	9.55%	I-MCLR-1Y + 0.75%
₹ 30 lacs to ₹ 75 lacs	9.65%	I-MCLR-1Y + 0.85%
Above ₹ 75 lacs	9.70%	I-MCLR-1Y + 0.90%
Full Tenor Fixed Interest Rate
Category	Effective Rate of Interest
Up to ₹ 30 lacs	9.90%
₹ 30 lacs to ₹ 5 crore	10.00%
Above ₹ 5 crore	10.25%

Salaried Borrower

Floating Interest Rate
Category	Effective Rate of Interest	Rate
₹ 30 lacs to ₹ 75 lacs	9.25%	I-MCLR-1Y + 0.45%
Above ₹ 75 lacs	9.30%	I-MCLR-1Y + 0.50%
Fixed Interest Rate for 2 Years, 3 Years
Category	Fixed rate for 24/36 months	Floating rate pricing from 25^th/37^th month
Upto ₹ 30 lacs	9.40%	I-MCLR-1Y + 0.60%
₹ 30 lacs to ₹ 75 lacs	9.50%	I-MCLR-1Y + 0.70%
Above ₹ 75 lacs	9.55%	I-MCLR-1Y + 0.75%
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	9.55%	I-MCLR-1Y + 0.75%
Above ₹ 30 lacs	9.65% to 9.70%	I-MCLR-1Y + (0.85% to 0.90%)
Full Tenor Fixed Interest Rate
Category	Effective Rate of Interest
Up to ₹ 30 lacs	9.95%
Above ₹ 30 lacs	10.05% to 10.30%

Self Employed Borrower

Floating Interest Rate
Category	Effective Rate of Interest	Rate
₹ 30 lacs to ₹ 75 lacs	9.30%	I-MCLR-1Y + 0.50%
Above ₹ 75 lacs	9.35%	I-MCLR-1Y + 0.55%
Fixed Interest Rate for 2 Years, 3 Years
Category	Fixed rate for 24/36 months	Floating rate pricing from 25^th/37^th month
Upto ₹ 30 lacs	9.45%	I-MCLR-1Y + 0.65%
₹ 30 lacs to ₹ 75 lacs	9.55%	I-MCLR-1Y + 0.75%
Above ₹ 75 lacs	9.60%	I-MCLR-1Y + 0.80%
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	9.60%	I-MCLR-1Y + 0.80%
Above ₹ 30 lacs	9.70% to 9.75%	I-MCLR-1Y + (0.90% to 0.95%)
Full Tenor Fixed Interest Rate
Category	Effective Rate of Interest
Up to ₹ 30 lacs	9.95%
Above ₹ 30 lacs	10.05% to 10.30%

Disclaimer:
Processing fee applicable is 0.5% of loan amount plus applicable service tax.
*Valid till December 31, 2018.

**Woman borrower should be the main applicant to the loan and she should be either owner or co-owner in the property being financed.

Non - Home Loan Interest Rate

Indicative lending rate for Non – Home Loan 11.95% 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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