EMI as low as ₹773* 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*

 

Current Home loan Interest Rates Based on Borrowers Category

 

A. Special pricing for loans up to ₹ 30 lacs

Floating Interest Rate

 

CategoryI-MCLR-6M (8.35%)I-MCLR-1Y (8.40%)
Salaried Borrower Loan Amount <=  ₹ 30 lacs
Women Borrower I-MCLR-6M + 0.20% (8.55%) I-MCLR-1Y + 0.15% (8.55%)
Others I-MCLR-6M + 0.25% (8.60%) I-MCLR-1Y + 0.20% (8.60%)
Self Employed Borrower Loan Amount <=  ₹ 30 lacs
Women Borrower I-MCLR-6M + 0.30% (8.65%) I-MCLR-1Y + 0.25%(8.65%)
Others I-MCLR-6M + 0.30% (8.65%) I-MCLR-1Y+ 0.25% (8.65%)

 

B. Below mentioned floating rates are linked to I-MCLR-1Y (One year MCLR) benchmark rate. I-MCLR-1Y is 8.40%.

 

Women Borrower** - Salaried

Floating Interest Rate
CategoryEffective Rate of InterestRate
₹ 30 lacs to ₹ 75 lacs 8.65% I-MCLR-1Y+0.25%
Above ₹ 75 lacs 8.70% I-MCLR-1Y+0.30%
Fixed Interest Rate for 2 Years, 3 Years
CategoryFixed rate for 24/36 monthsFloating rate pricing from 25th/37th month
Up to ₹ 30 lacs 8.55% I-MCLR-1Y + 0.15%
₹ 30 lacs to ₹ 75 lacs 8.65% I-MCLR-1Y + 0.25%
Above ₹ 75 lacs 8.70% I-MCLR-1Y+0.30%
Fixed Interest Rate for 5 Years, 10 Years
CategoryEffective Rate of InterestFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 8.70% I-MCLR-1Y + 0.30%
₹ 30 lacs to ₹ 75 lacs 8.80% I-MCLR-1Y + 0.40%
Above ₹ 75 lacs 8.85% I-MCLR-1Y+0.45%
Full Tenor Fixed Interest Rate
CategoryEffective 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
CategoryEffective Rate of InterestRate
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.30%
Above ₹ 75 lacs 8.75% I-MCLR-1Y + 0.35%
Fixed Interest Rate for 2 Years, 3 Years
CategoryFixed rate for 24/36 monthsFloating rate pricing from 25th/37th month
Upto ₹ 30 lacs 8.65% I-MCLR-1Y + 0.25%
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.30%
Above ₹ 75 lacs 8.75% I-MCLR-1Y + 0.35%
Fixed Interest Rate for 5 Years, 10 Years
CategoryEffective Rate of InterestFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 8.80% I-MCLR-1Y + 0.40%
₹ 30 lacs to ₹ 75 lacs 8.85% I-MCLR-1Y + 0.45%
Above ₹ 75 lacs 8.90% I-MCLR-1Y + 0.50%
Full Tenor Fixed Interest Rate
CategoryEffective 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
CategoryEffective Rate of InterestRate
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.30%
Above ₹ 75 lacs 8.75% I-MCLR-1Y + 0.35%
Fixed Interest Rate for 2 Years, 3 Years
CategoryFixed rate for 24/36 monthsFloating rate pricing from 25th/37th month
Upto ₹ 30 lacs 8.60% I-MCLR-1Y + 0.20%
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.30%
Above ₹ 75 lacs 8.75% I-MCLR-1Y + 0.35%
Fixed Interest Rate for 5 Years, 10 Years
CategoryFixed rate for 60/120 monthsFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 8.75% I-MCLR-1Y + 0.35%
Above ₹ 30 lacs 8.85% to 8.90% I-MCLR-1Y + (0.45% to 0.50%)
Full Tenor Fixed Interest Rate
CategoryEffective Rate of Interest
Up to ₹ 30 lacs 9.95%
Above ₹ 30 lacs 10.05% to 10.30%

Self Employed Borrower

Floating Interest Rate
CategoryEffective Rate of InterestRate
₹ 30 lacs to ₹ 75 lacs 8.75% I-MCLR-1Y + 0.35%
Above ₹ 75 lacs 8.80% I-MCLR-1Y + 0.40%)
Fixed Interest Rate for 2 Years, 3 Years
CategoryFixed rate for 24/36 monthsFloating rate pricing from 25th/37th month
Upto ₹ 30 lacs 8.65% I-MCLR-1Y + 0.25%
₹ 30 lacs to ₹ 75 lacs 8.75% I-MCLR-1Y + 0.35%
Above ₹ 75 lacs 8.80% I-MCLR-1Y + 0.40%)
Fixed Interest Rate for 5 Years, 10 Years
CategoryFixed rate for 60/120 monthsFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 8.80% I-MCLR-1Y + 0.40%
Above ₹ 30 lacs 8.90% to 8.95% I-MCLR-1Y + (0.50% to 0.55%)
Full Tenor Fixed Interest Rate
CategoryEffective 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 July 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 11.55% 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.